Spain IBAN Calculator - Generate & Validate Spanish IBAN Numbers
Calculate and validate Spanish IBAN (International Bank Account Number) instantly. This comprehensive Spain IBAN calculator generates valid 24-character IBAN codes following ISO 13616 standards and validates existing IBANs using the MOD-97 algorithm. Perfect for international money transfers, SEPA payments, and banking operations in Spain.
Spain IBAN Calculator & Generator
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IBAN Validation Result
Understanding Spain IBAN Structure
The Spanish IBAN (International Bank Account Number) consists of 24 alphanumeric characters that uniquely identify a bank account in Spain. This standardized format, governed by ISO 13616, facilitates international and domestic electronic payments within the Single Euro Payments Area (SEPA).
Example of Spanish IBAN Format
Spain IBAN Components Breakdown
| Component | Position | Length | Example | Description |
|---|---|---|---|---|
| Country Code | 1-2 | 2 letters | ES | ISO 3166-1 alpha-2 country code for Spain |
| Check Digits | 3-4 | 2 digits | 91 | MOD-97 validation digits |
| Bank Code | 5-8 | 4 digits | 2100 | Identifies the specific bank (Código Banco) |
| Branch Code | 9-12 | 4 digits | 0418 | Identifies the bank branch (Código Oficina) |
| National Check | 13-14 | 2 digits | 45 | Spanish control digit (DC) |
| Account Number | 15-24 | 10 digits | 0200051332 | Individual account identifier (Número de Cuenta) |
How IBAN Check Digits Are Calculated
The IBAN check digits (positions 3-4) are calculated using the MOD-97 algorithm, an internationally standardized method defined in ISO 7064. This mathematical validation ensures the integrity of the IBAN during data entry and transmission.
MOD-97 Algorithm Calculation Steps
Step 1: Rearrange the IBAN
Move the first 4 characters (country code + check digits) to the end of the IBAN.
Step 2: Convert Letters to Numbers
Replace each letter with its numeric equivalent, where A=10, B=11, C=12, ..., Z=35.
For Spain (ES): E=14, S=28
Step 3: Apply MOD-97 Operation
Calculate the remainder when dividing the numeric string by 97.
Step 4: Calculate Check Digits
Subtract the remainder from 98 to get the check digits.
Validation Formula:
A valid IBAN always produces a remainder of 1 when applying MOD-97 to the rearranged numeric format.
Practical Calculation Example
Original IBAN: ES9121000418450200051332
Step 1 - Rearrange: 21000418450200051332ES91
Step 2 - Convert to Numbers: 21000418450200051332142891 (E=14, S=28)
Step 3 - Apply MOD-97: 21000418450200051332142891 mod 97 = 1
Result: Remainder of 1 confirms this is a valid IBAN
Spain IBAN Format Requirements
Spanish IBANs must adhere to specific formatting rules established by the Asociación Española de Banca Privada (AEB) and comply with international SEPA standards. These requirements ensure seamless domestic and cross-border payment processing.
- Fixed Length: Exactly 24 characters - no more, no less
- Country Code: Always begins with "ES" for Spain
- Alphanumeric Only: Contains only letters (A-Z) and digits (0-9)
- No Spaces in Electronic Format: Spaces are only used in the print format for readability
- Case Insensitive: Can be written in uppercase or lowercase, but uppercase is standard
- MOD-97 Compliant: Must pass the MOD-97 validation algorithm
- SEPA Compatible: Valid for all Single Euro Payments Area transactions
- ISO 13616 Standard: Follows international IBAN structure specification
IBAN vs Spanish Account Number (CCC)
Before the introduction of IBAN in 2007, Spanish bank accounts were identified using the Código Cuenta Cliente (CCC), a 20-digit domestic account number. The IBAN incorporates the complete CCC with the addition of the country code and international check digits.
| Feature | Spanish CCC | Spanish IBAN |
|---|---|---|
| Length | 20 digits | 24 characters |
| Format | BBBB-OOOO-DD-CCCCCCCCCC | ESNN BBBB OOOO DD CCCCCCCCCC |
| Usage | Domestic only (legacy) | Domestic & International |
| Validation | Spanish check digit (DC) | MOD-97 + Spanish check digit |
| SEPA Compatible | No | Yes |
| Mandatory Since | 1987 (phased out) | 2014 (required for SEPA) |
Important: Since February 1, 2014, the use of IBAN has been mandatory for all bank transfers within the SEPA zone, including domestic Spanish transactions. The old CCC format is no longer accepted for electronic payments.
Common Uses for Spain IBAN
Spanish IBANs are essential for various banking operations and financial transactions both domestically and internationally. Understanding when and how to use your IBAN ensures smooth payment processing.
- International Wire Transfers: Receiving money from abroad or sending funds to foreign accounts
- SEPA Credit Transfers: Making or receiving euro payments within the 36 SEPA countries
- SEPA Direct Debits: Setting up recurring payments for utilities, subscriptions, and services
- Salary Deposits: Providing employers with your IBAN for payroll direct deposits
- Tax Refunds: Receiving reimbursements from the Spanish Tax Agency (Agencia Tributaria)
- Social Security Payments: Receiving benefits and pensions from Spanish government agencies
- Online Shopping: Making purchases from international retailers that accept IBAN
- Real Estate Transactions: Transferring funds for property purchases, rent, and deposits
- Investment Accounts: Funding brokerage accounts and receiving dividends
- Freelance Payments: Receiving international client payments and invoicing
Major Spanish Banks and IBAN Examples
Each Spanish bank has a unique 4-digit bank code (Código Banco) that forms part of every IBAN issued by that institution. Here are some of Spain's largest banks and their identifying codes.
| Bank Name | Bank Code | Example IBAN Structure |
|---|---|---|
| Banco Santander | 0049 | ES91 0049 XXXX XX XXXXXXXXXX |
| BBVA (Banco Bilbao Vizcaya) | 0182 | ES91 0182 XXXX XX XXXXXXXXXX |
| CaixaBank | 2100 | ES91 2100 XXXX XX XXXXXXXXXX |
| Banco Sabadell | 0081 | ES91 0081 XXXX XX XXXXXXXXXX |
| Bankinter | 0128 | ES91 0128 XXXX XX XXXXXXXXXX |
| ING Bank | 1465 | ES91 1465 XXXX XX XXXXXXXXXX |
| Kutxabank | 2095 | ES91 2095 XXXX XX XXXXXXXXXX |
| Unicaja Banco | 2103 | ES91 2103 XXXX XX XXXXXXXXXX |
How to Find Your Spain IBAN
There are several reliable methods to locate your Spanish IBAN for banking transactions. Your bank provides this information through multiple channels for your convenience.
- Bank Statement: Your IBAN appears at the top of every monthly or quarterly bank statement
- Online Banking Portal: Log into your bank's website and navigate to account details
- Mobile Banking App: Access account information through your bank's smartphone application
- Bank Card: Some Spanish debit cards print the IBAN on the back
- Bank Branch: Visit your local branch and request your IBAN from a teller
- Checkbook: Paper checks typically display the IBAN at the bottom
- Welcome Letter: New account opening documents include your complete IBAN
- Customer Service: Call your bank's helpline to request your IBAN (identity verification required)
Security Reminder: Your IBAN is not confidential information and can be safely shared for receiving payments. However, never share your online banking credentials, PIN, or security codes with anyone.
IBAN Validation and Error Prevention
Validating an IBAN before initiating a transfer prevents costly errors, payment delays, and potential rejection fees. The MOD-97 algorithm catches common data entry mistakes instantly.
Common IBAN Errors Detected by Validation
- Incorrect Length: Spanish IBANs must be exactly 24 characters
- Invalid Check Digits: MOD-97 calculation identifies transposed or incorrect digits
- Wrong Country Code: Spain IBANs must start with "ES"
- Non-existent Bank Code: The bank identifier must correspond to a real Spanish bank
- Invalid Characters: Only alphanumeric characters are permitted
- Typographical Errors: Algorithm detects single-digit mistakes and swapped characters
Best Practice: Always validate the recipient's IBAN before making a transfer. A valid IBAN structure does not guarantee the account exists, but it confirms the number is mathematically correct and properly formatted.
Official Government & Banking Resources
Access authoritative information about Spanish IBANs, SEPA payments, and banking regulations from official government and financial institutions.
Spanish Banking Authorities
Banco de España (Bank of Spain) Official Registry of Credit Institutions Bank Account Codes InformationEuropean & International Standards
European Payments Council - SEPA European Central Bank - SEPA Information SWIFT IBAN Registry ISO 13616 IBAN StandardFrequently Asked Questions About Spain IBAN
An IBAN identifies a specific bank account, while a SWIFT/BIC code identifies the bank and branch. For SEPA transfers within the EU, only the IBAN is required. For international transfers outside SEPA, you typically need both the IBAN and the SWIFT/BIC code. Spanish SWIFT codes are 8 or 11 characters (e.g., CAIXESBBXXX for CaixaBank).
Yes, your Spanish IBAN can receive international transfers from any country worldwide. However, the sender's bank must support international wire transfers. SEPA transfers from other SEPA countries are typically faster and cheaper than transfers from non-SEPA countries, which may require SWIFT and incur higher fees.
Standard SEPA Credit Transfers to Spanish IBANs typically arrive within 1-2 business days. SEPA Instant Credit Transfers are completed in less than 10 seconds and are available 24/7, including weekends and holidays. The speed depends on whether both banks support instant SEPA payments.
For SEPA transfers within the EU, Spanish banks cannot charge more for euro-denominated international transfers than they charge for domestic transfers (usually free for incoming transfers). For transfers from outside SEPA, banks may charge receiving fees ranging from €5 to €30, depending on your bank and account type.
Your IBAN typically remains the same unless you close and reopen your account, change to a different branch, or your bank undergoes a merger or acquisition. If your bank changes your IBAN, they must notify you in advance and provide a transition period during which both old and new IBANs remain active.
If the IBAN fails validation due to incorrect check digits, the transfer will be rejected immediately. If the IBAN is valid but belongs to someone else, the payment may be credited to the wrong account. Contact your bank immediately to attempt a payment recall, though success is not guaranteed. Always validate IBANs before transferring funds.
Yes, you can link your Spanish IBAN to digital wallets and payment services. PayPal allows you to add Spanish bank accounts using your IBAN for receiving payments and withdrawing funds. Apple Pay and Google Pay typically connect to debit/credit cards, but those cards are linked to your IBAN bank account.
The Spanish national check digit (positions 13-14 of the IBAN) is calculated using a different algorithm than the IBAN check digits. It uses modulo-11 arithmetic applied separately to the bank/branch codes and account number. Most Spanish banks calculate this automatically when you open an account. Our calculator includes this validation for accuracy.