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Akif Hazarvi

Italy IBAN

IT·EUR·SEPA

The International Bank Account Number (IBAN) for Italy is 27 characters long and is used to identify bank accounts for international transactions, within the SEPA network for euro transfers and via SWIFT for non-euro currencies.

A Italy IBAN begins with the country code IT and two check digits, followed by the 23-character BBAN (Basic Bank Account Number). The Italy BBAN encodes a 1-character national check digit, followed by a 5-character bank code, followed by a 5-character branch code, followed by a 12-character account number. As a SEPA member, Italy supports low-cost euro transfers across 36+ European countries using the EUR currency. Always include the full 27-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

Quick answer: An Italian IBAN is 27 characters long and starts with "IT" followed by two check digits, a 1-character CIN control letter, a 5-digit ABI bank code, a 5-digit CAB branch code, and a 12-character account number. Example: IT60 X054 2811 1010 0000 0123 456 (Banco Popolare). Within SEPA the IBAN alone is sufficient; non-SEPA senders also need the BIC. Major Italian banks (UniCredit, Intesa Sanpaolo, Banco BPM) display the full IBAN on every statement and in online banking.

IBAN Length

27 chars

Currency

EUR

SEPA

Yes

Banks

18+

Example IBAN

Electronic format

IT60X0542811101000000123456

Print format

IT60 X054 2811 1010 0000 0123 456

IBAN structure for Italy

A Italy IBAN is 27 characters long and consists of the following components:

Country code

IT

Check digits

60

National check digit

1 char

Bank code

5 chars

Branch code

5 chars

Account number

12 chars

Total length27 characters

BBAN format details

The Basic Bank Account Number (BBAN) is the domestic part of the IBAN, following the country code and check digits. Here is the BBAN validation format for Italy:

National check digit1 characters

^[A-Z]{1}

Bank code5 characters

^[0-9]{5}

Branch code5 characters

^[0-9]{5}

Account number12 characters

^[a-zA-Z0-9]{12}

Major banks in Italy

18 banks in Italy that support IBAN-based international transfers:

B

Banca Mediolanum

B

Banca Monte Dei Paschi Di Siena S.P.A.

D

Deutsche Bank S.P.A.

P

Poste Italiane S.P.A.

B

Banca Popolare Di Sondrio

B

Banca Sella S.P.A

B

Banca Nazionale Del Lavoro S.p.a.

U

Unicredit S.p.a.

I

Intesa Sanpaolo Spa

B

Banca Fideuram S.P.A.

U

Ubi Banca (Unione Di Banche Italiane) S.C.P.A.

B

Banca Popolare Dellemilia Romagna

C

Credito Valtellinese

C

Chebanca Spa

C

Cassa Di Risparmio Di Asti Spa

P

PostePay S.p.A.

B

BPER Banca S.p.A.

B

BancoPosta

Understanding IBAN in Italy

What is the IBAN format in Italy

An IBAN (International Bank Account Number) is an internationally-agreed code made up of up to 34 letters and numbers that helps banks make sure that international transfers are processed correctly. Each set of characters represents a different detail for your bank account. You can see the breakdown of this IBAN below.

What is the IBAN code in Italy

IBAN in Italy consists of 27 characters: 2 letter country code 2 digit check number 1 digit code for national code 5 characters from the bank's bank code 5 digit code for the bank branch 12 digit code for the bank account number

Do you need an IBAN in Italy

Yes. If you’re making – or expecting to receive – an international money transfer to a bank account in Italy, then just a standard bank account number isn’t enough. If you want your money to arrive quickly and safely, you’ll usually need to give the bank a few extra details, such as an IBAN or SWIFT code. Banks assign IBANs to each of their accounts to make sure that international transfers are processed correctly. IBANs contain all of the country, bank, and account details you need to send or receive money internationally. This system is used throughout Europe, and also recognised in some areas of the Middle East, North Africa and the Caribbean.

Frequently asked questions

What is the IBAN format for Italy?

An Italian IBAN is exactly 27 characters long. It starts with IT, 2 check digits, a 1-character CIN (Control Internal Number), a 5-digit ABI bank code, a 5-digit CAB branch code, and a 12-character account number. Example: IT60 X054 2811 1010 0000 0123 456.

How do I find my IBAN in Italy?

Your IT IBAN is displayed in your bank's internet banking or mobile app. UniCredit, Intesa Sanpaolo, Banco BPM, and BPER Banca all show the 27-character IBAN on the account summary (estratto conto). It also appears on bank statements and on the welcome documents (foglio informativo) you received when opening the account.

Is Italy part of SEPA?

Yes. Italy is a founding eurozone and SEPA member. All domestic and cross-border euro transfers use the IBAN. Within SEPA, only the IT IBAN is required for euro credit transfers — no BIC/SWIFT code is needed.

What are the CIN, ABI, and CAB codes in an Italian IBAN?

The CIN (Control Internal Number) is a single character used for domestic Italian validation. The ABI (Associazione Bancaria Italiana) is a 5-digit bank code — e.g., 05428 for UniCredit, 03069 for Intesa Sanpaolo. The CAB (Codice di Avviamento Bancario) is a 5-digit branch code. Together, CIN + ABI + CAB + account number form the Italian BBAN embedded in the IBAN.

Do I need a SWIFT code to receive international transfers in Italy?

For SEPA transfers from EU and EEA countries in EUR, only the IT IBAN is sufficient — no SWIFT code is required. For transfers from outside SEPA (such as from the US, UK, or non-EU countries), the sender needs both your 27-character IT IBAN and your bank's SWIFT/BIC code. UniCredit's SWIFT code is UNCRITMM; Intesa Sanpaolo's is BCITITMM.

What are common mistakes when sharing an Italian IBAN?

Common mistakes include: omitting the CIN character (position 5), confusing the ABI bank code with the CAB branch code, providing only the domestic coordinate bancarie without the IT prefix, and entering an account number that has not been zero-padded to 12 characters. The 27-character length makes careful verification important.

How do I set up direct debits (addebito diretto) with my Italian IBAN?

SEPA Direct Debits (addebito diretto SEPA or SDD) in Italy require your IBAN and a signed SEPA mandate. This is the standard for paying Italian utilities, taxes (F24 payments), insurance, and subscriptions. Provide your IT IBAN on the mandate form. Italian banks process SDD collections electronically through the SEPA infrastructure.

Can I use my Italian IBAN for salary and tax payments?

Yes. Italian employers pay salaries (stipendio) directly to your IT IBAN. Tax payments (F24 model), social security contributions (INPS), and government benefits are all linked to your IBAN. When starting employment or registering with INPS, you will be asked to provide your full 27-character IT IBAN.

How IBAN is used in Italy

Italy uses a 27-character IBAN that incorporates the traditional Italian banking codes: a one-character CIN (Control Internal Number), a five-digit ABI (Associazione Bancaria Italiana) bank code, a five-digit CAB (Codice di Avviamento Bancario) branch code, and a twelve-character account number. Italy is a founding SEPA member, and IBAN-based transfers are the standard for all banking operations.

An Italian IBAN begins with IT, two check digits, and then the CIN, ABI, CAB, and account number. The CIN is a single character used for domestic validation. Major banks like UniCredit, Intesa Sanpaolo, and Banco BPM will show your full IBAN in their internet banking and on statements.
For receiving international transfers in Italy, you should provide both your IBAN and BIC to the sender, especially if the payment originates from outside the SEPA area. Within SEPA, the IBAN alone is sufficient and euro transfers typically arrive within one business day.
When opening a new Italian bank account or conto corrente, your IBAN is generated automatically and will appear on your contract and welcome documents. For common tasks like paying Italian taxes (F24), setting up utility direct debits, or receiving your stipendio (salary), the IBAN is the only account reference you need.