Guides: IBAN, BIC & & SEPA explained
Clear explanations of IBAN, the BIC/SWIFT code, SEPA transfers and international payments.
Convert an Account Number to an IBAN: How to Build Your IBAN
Turn an account number and bank code into an IBAN: DE + check digits + BLZ + account number. Step by step, with a worked example and the MOD 97-10 formula.
Read moreHow to Find Your German Bank Code (Bankleitzahl, BLZ)
Find your German bank code (Bankleitzahl, BLZ) in three steps: from the IBAN, in online banking or on your card. BLZ structure, BIC lookup and the biggest German banks.
Read moreSending Money Abroad: IBAN, SWIFT and Costs Explained
Sending money abroad: SEPA vs. SWIFT, typical costs (15 to 50 euros plus an exchange-rate markup), timing, OUR/SHA/BEN explained and how to find the right details.
Read moreIBAN Formats by Country: Examples, Length and Structure
IBAN formats for 49 countries with examples, lengths from 15 to 31 characters, the BBAN layout per country and an overview table with country code, length and currency.
Read moreDo I Need a BIC for a SEPA Transfer? The Clear Answer
Do you need a BIC for a SEPA transfer? Short answer: not since 2016. The exceptions, Verification of Payee (October 2025) and what applies to transfers abroad.
Read moreIBAN Structure Explained: Country Code, Check Digits and BBAN
How an IBAN is built: country code, Mod-97 check digits and the BBAN. The structure of the International Bank Account Number explained step by step, with a worked example.
Read moreWhat Is a BIC Code? Structure, Meaning and When You Need It
The BIC explained clearly: structure (8 or 11 characters), how it differs from the SWIFT code, when you actually need it, common mistakes and five reliable ways to find it.
Read moreCheck an IBAN or BIC?
Use our free tools to validate IBANs and find BIC codes.