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Akif Hazarvi

Spain IBAN

ES·EUR·SEPA

The International Bank Account Number (IBAN) for Spain is 24 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 Spain IBAN begins with the country code ES and two check digits, followed by the 20-character BBAN (Basic Bank Account Number). The Spain BBAN encodes a 4-character bank code, followed by a 4-character branch code, followed by a 2-character national check digit, followed by a 10-character account number. As a SEPA member, Spain supports low-cost euro transfers across 36+ European countries using the EUR currency. Always include the full 24-character IBAN together with the bank's BIC/SWIFT code when making or receiving international payments.

Quick answer: A Spanish IBAN is 24 characters long and starts with "ES" followed by two check digits and the 20-digit CCC (Código Cuenta Cliente): 4-digit bank code, 4-digit branch code, 2 check digits, and 10-digit account number. Example: ES91 2100 0418 4502 0005 1332 (CaixaBank). Within SEPA the IBAN alone is sufficient for euro transfers. For payments from outside Europe, senders also need the BIC of your Spanish bank (Santander, BBVA, CaixaBank, Sabadell).

IBAN Length

24 chars

Currency

EUR

SEPA

Yes

Banks

19+

Example IBAN

Electronic format

ES9121000418450200051332

Print format

ES91 2100 0418 4502 0005 1332

IBAN structure for Spain

A Spain IBAN is 24 characters long and consists of the following components:

Country code

ES

Check digits

91

Bank code

4 chars

Branch code

4 chars

National check digit

2 chars

Account number

10 chars

Total length24 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 Spain:

Bank code4 characters

^[0-9]{4}

Branch code4 characters

^[0-9]{4}

National check digit2 characters

^[0-9]{2}

Account number10 characters

^[0-9]{10}

Major banks in Spain

19 banks in Spain that support IBAN-based international transfers:

B

Banco Sabadell

S

Santander

B

BBVA

L

La Caixa

B

Banca March, S.A

B

Bankinter, S.A.

I

Ing Direct Nv, Sucursal En Espana

T

Triodos Bank Nv, Se

B

Banco Popular Espanol, S.A.

E

Evo Banco S.A.

O

Open Bank Santander Consumer S.A.

C

Cajamar Caja Rural, Sociedad Cooperativa De Credito

C

Caixa De Credit Dels. Enginyers-Caja De Credito De Los Ingenieros Soc. Coop. De Credito

B

Bankia S.A.

I

Ibercaja

U

Unicaja

K

Kutxabank

A

Abanca

L

Liberbank

Understanding IBAN in Spain

What is the IBAN format in Spain

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 Spain

IBAN in Spain consists of 24 characters: 2 letter country code 2 digit check number 4 characters from the bank's bank code 4 digit code for the bank branch 2 digit code for national code 10 digit code for the bank account number

Do you need an IBAN in Spain

Yes. If you’re making – or expecting to receive – an international money transfer to a bank account in Spain, 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 Spain?

A Spanish IBAN is exactly 24 characters long. It starts with ES, 2 check digits, and then the 20-digit CCC (Codigo Cuenta Cliente), which includes a 4-digit bank code, a 4-digit branch code, 2 national check digits, and a 10-digit account number. Example: ES91 2100 0418 4502 0005 1332.

How do I find my IBAN in Spain?

Your ES IBAN is displayed in your bank's online banking (banca online) or mobile app. Santander, BBVA, CaixaBank, and Sabadell all show the 24-character IBAN on the account details page. It also appears on bank statements and in the account contract. If you have your old CCC number, converting it to an IBAN is straightforward by adding the ES prefix and check digits.

Is Spain part of SEPA?

Yes. Spain is a eurozone and SEPA member. Euro transfers from other EU and EEA countries are processed via SEPA Credit Transfer (SCT) or SEPA Instant Credit Transfer (SCT Inst). Within SEPA, only the ES IBAN is required — no BIC/SWIFT code is needed.

What is a CCC and how does it relate to the Spanish IBAN?

The CCC (Codigo Cuenta Cliente) is the traditional 20-digit Spanish bank account number, consisting of: a 4-digit bank code, a 4-digit branch code, 2 check digits (digitos de control), and a 10-digit account number. The IBAN wraps the CCC with the ES country code and 2 IBAN check digits: ES + check digits + CCC = 24 characters.

Do I need a SWIFT code to receive a transfer from outside Europe to Spain?

For SEPA transfers from EU and EEA countries, only the ES IBAN is required. For transfers from outside SEPA (such as from the US, Latin America, or Asia), the sender needs both your 24-character ES IBAN and your bank's SWIFT/BIC code. Santander's SWIFT code is BSCHESMM; BBVA's is BBVAESMM; CaixaBank's is CABORKMM.

What are common mistakes when sharing a Spanish IBAN?

Common mistakes include: providing only the 20-digit CCC without the ES prefix and IBAN check digits, confusing the 2 national CCC check digits with the 2 IBAN check digits, and mixing up the bank code with the branch code. Spain has many local savings banks (cajas) alongside major commercial banks, each with its own code, so double-check the bank and branch codes.

How do direct debits (domiciliacion) work with the Spanish IBAN?

SEPA Direct Debits (domiciliacion bancaria) in Spain require your IBAN and a signed SEPA mandate. This is the standard way to pay utilities, rent, insurance, phone bills, and subscriptions in Spain. Provide your ES IBAN when filling out the mandate form (orden de domiciliacion). Your bank stores the mandate electronically.

How IBAN is used in Spain

Spain uses a 24-character IBAN that incorporates the older CCC (Codigo Cuenta Cliente) structure. The CCC includes a four-digit bank code, four-digit branch code, two check digits, and a ten-digit account number, all of which map directly into the IBAN. As a SEPA member, Spain processes the vast majority of euro transfers through the SEPA network.

A Spanish IBAN starts with ES, followed by two check digits and then the 20-digit CCC. If you have your old CCC number from a bank statement, converting it to an IBAN is a matter of adding the ES prefix and computing the check digits. Major banks like Santander, BBVA, and CaixaBank all display IBANs in their online portals.
For receiving money from abroad, your Spanish IBAN is the primary detail to share. Within SEPA, the sender only needs the IBAN. For payments originating outside Europe, the sender will also need the BIC code of your Spanish bank.
Spain has a strong network of local savings banks (cajas) alongside the large commercial banks, and each has its own bank code within the IBAN structure. When providing your IBAN for payroll or government payments, double-check the bank and branch codes to avoid misrouted transfers.