Estonia IBAN
20 characters: the country code, two check digits, then the BBAN cut as below.
Anatomy of the official example
EE382200221020145685
- Country code
- Check digits
- Bank code
- Account number
The example comes from the ISO 13616 registry; it belongs to nobody. Positions count from the first character of the IBAN.
| ISO code | EE |
|---|---|
| Length | 20 characters |
| Check digits | positions 3 to 4, ISO 7064 mod 97-10 |
| Bank code | positions 5 to 6 · 2!n |
| Account number | positions 7 to 20 · 14!n |
| Official example | EE38 2200 2210 2014 5685 |
| SEPA area | member · SCT, SDD, SCT Inst |
| Verification of Payee | mandatory for the country's providers |
| Bank-code register | Finantsinspektsioon (identity codes of credit, payment and e-money institutions) |
SWIFT notation: n = digits, a = upper-case letters, c = alphanumeric characters; the exclamation mark fixes the exact length.
What the API checks on a Estonia IBAN
- The length, the charset of every field and the mod-97 check digits.
- The bank code against Finantsinspektsioon (identity codes of credit, payment and e-money institutions): the holder of every code it lists, without the weight of a register that settles a negative; the other codes against our composite map.
- The country's SEPA reachability and the open schemes (SCT, SDD, SCT Inst).
- The Verification of Payee duty that does, or does not, bind the country's providers.
What the API answers for this code
The API checks this country's bank codes against Finantsinspektsioon (identity codes of credit, payment and e-money institutions). We serve that register from a private file rather than publish it, so its answer to this example is not copied here: it is computed live, on the request. Try the example in the playground
Source: ISO 13616 registry for the length, layout and example; API answer captured on 2026-10-21.