Slovakia IBAN
A Slovakia IBAN is 24 characters long and Slovakia is in SEPA.
SK and two check digits open every Slovakia IBAN; its remaining 20 form the BBAN (Basic Bank Account Number).
Example Slovakia IBAN
Electronic format
SK3112000000198742637541
Print format
SK31 1200 0000 1987 4263 7541
IBAN structure for Slovakia
Major banks in Slovakia
5 banks in Slovakia that support IBAN-based international transfers:
Format reference: SWIFT IBAN Registry.
Slovakia IBAN questions
Can every Slovak bank receive an instant euro payment?
Yes. NBS says all banks in Slovakia have been part of the instant payment system since 9 January 2025, the EU deadline for receiving, with 9 October 2025 the latest date for sending. Slovenská sporiteľňa, VÚB and Tatra banka joined voluntarily before that. Banks had to receive and send within a 10-second limit.
What is the constant symbol on a Slovak public-sector bill?
A code of up to four digits classifying what a payment is for, used mostly by public bodies, according to the Slovak Banking Association. It comes last in the reference: /VS012345/SS/KS0308 when no specific symbol is used.
How do koruna amounts on old documents convert?
At €1 = SKK 30.1260, the fixed rate at which the euro replaced the koruna, as the ECB records. A contract showing 10,000 koruna corresponds to €331.94.
Slovak payment symbols, SIPS and instant euro transfers
Slovakia has used the euro since 1 January 2009. Národná banka Slovenska (NBS) operates SIPS, a retail system that processes customers' SEPA payments, connects to the STEP2 platform and settles through participants' accounts in TARGET. Instant payments went elsewhere: NBS chose not to build them into SIPS and provides settlement through the Eurosystem's TIPS instead.
- A Slovak invoice may quote a variabilný symbol (variable symbol), a number of up to ten digits the payee uses to match a payment to a contract, customer or bill. The Slovak Banking Association's SEPA convention carries it in the end-to-end reference as /VS and the number, then /SS and /KS for the specific and constant symbols.
- Paying from abroad, type the variable symbol into the field your bank calls the payer's or end-to-end reference. The association's rules say the symbols must pass from payer to payee intact.
- A QR code marked PAY by square on a Slovak bill follows a standard the association built with its member banks to turn a printed document into a payment order. If an app abroad cannot read it, copy the IBAN and variable symbol from the bill.
Sources: NBS: payment systems (SIPS, TARGET-SK); NBS: instant payments; ECB MIP Online: NBS on instant payments and TIPS (2022); Slovak Banking Association: SK payment symbols in SEPA; Slovak Banking Association: PAY by square terms; ECB: Slovakia's euro changeover.
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