Italy IBAN
A Italy IBAN is 27 characters long and Italy is in SEPA.
IT and two check digits open every Italy IBAN; its remaining 23 form the BBAN (Basic Bank Account Number).
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.
Example Italy IBAN
Electronic format
IT60X0542811101000000123456
Print format
IT60 X054 2811 1010 0000 0123 456
IBAN structure for Italy
Major banks in Italy
15 banks in Italy that support IBAN-based international transfers:
Format reference: SWIFT IBAN Registry.
Italy IBAN 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 or other non-European countries), and from the UK too, 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.
- May 2026 update: under the EU Instant Payments Regulation, every Italian bank — including UniCredit, Intesa Sanpaolo, Banco BPM, and BPER Banca — must now offer SEPA Instant Credit Transfer at the same price as a standard SEPA transfer, with funds settling in your IT IBAN within 10 seconds, 24/7/365. Practically this means a euro transfer from Germany, France, or anywhere in the SEPA zone to your Italian account is now effectively free and instant. Outbound Italian SEPA Instant sends are subject to the EU-mandated €100,000 per-transaction cap.
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