Sweden IBAN
A Sweden IBAN is 24 characters long and Sweden is in SEPA.
SE and two check digits open every Sweden IBAN; its remaining 20 form the BBAN (Basic Bank Account Number).
Example Sweden IBAN
Electronic format
SE4550000000058398257466
Print format
SE45 5000 0000 0583 9825 7466
IBAN structure for Sweden
Major banks in Sweden
5 banks in Sweden that support IBAN-based international transfers:
Format reference: SWIFT IBAN Registry.
Sweden IBAN questions
Is Sweden part of SEPA?
Yes, for euros. A Swedish bank receives SEPA credit transfers from the rest of the EU and EEA, but the account itself usually runs in kronor, so euros are converted on arrival unless you keep a euro account.
How do I find my IBAN in Sweden?
Your SE IBAN is available in your bank's internet banking (internetbank) or mobile app. Swedbank, SEB, Handelsbanken, and Nordea Sweden all display the 24-character IBAN on the account details page. The mapping from domestic clearing number to IBAN varies between banks, so use your bank's own IBAN lookup tool if unsure.
What is the difference between a Swedish clearing number, Bankgiro and IBAN?
A clearing number (4–5 digits) identifies the bank and branch for domestic transfers; Bankgiro is a separate Swedish invoice-payment system; the IBAN wraps the clearing number and account into an international format. Bankgiro numbers are not recognised outside Sweden, so give a payer abroad the SE IBAN.
Do I need a SWIFT code to receive an international transfer in Sweden?
Not for euros from inside the EU or EEA: the SE IBAN alone routes them. Kronor sent from abroad, and anything from the US, the UK or Asia, also need the BIC your bank prints next to the IBAN.
Can I receive SEK from abroad via SEPA?
No. SEPA carries euros only. Kronor from abroad travel over SWIFT, and if someone in the EU sends euros instead, your Swedish bank converts them to SEK at its own rate.
Sweden: krona accounts, Bankgiro and the Riksbank's instant rail
Sweden is in the EU and in SEPA but keeps the krona, and that decides what lands in an SE IBAN. Krona payments inside Sweden (Swish, Bankgiro invoices, account transfers) run on Swedish infrastructure; a euro payment from abroad arrives over SEPA and is normally converted to kronor by the receiving bank unless the account is held in euros.
- The Riksbank opened RIX-INST in 2022 so that banks settle payments with each other in central bank money in real time, at any hour; it runs on the Eurosystem's TIPS platform. Swish payments moved onto it from Bankgirot's system in early 2024, and the Riksbank said app users would see no difference.
- Swedish banks sit outside the euro area, so the EU's instant-payment deadlines reach them later: accepting instant euro transfers by 9 January 2027, and offering them, with the payee name check, by 9 July 2027. Until then a euro payment to an SE IBAN may still take a business day.
- Swedbank, SEB, Handelsbanken and Nordea each map the domestic clearing number into the 17-digit account reference their own way, so an SE IBAN cannot be safely worked out by hand from a clearing number and account number; take it from the bank's app.
- A Bankgiro number identifies a payee for Swedish invoices and is not recognised outside Sweden. Someone paying you from abroad needs the SE IBAN, plus the bank's BIC when the payment is not a euro SEPA transfer.
Sources: Riksbank: service for instant payments (2022); Riksbank: Swish payments moved to the Riksbank's system (2024); ECB: Instant Payments Regulation timetable.
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