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Swiss International Bank Account Number (IBAN)

Representing IBAN accounts for Switzerland


Banks in: Great Britain * Switzerland * Germany * Austria * Liechtenstein * Luxembourg

IBAN format: Great Britain * Switzerland * Germany * Austria * Liechtenstein * Luxembourg


As per European Union banking standards, from 2004 all banks of european union countries, including switzerland, austria, liechtenstein, and luxembourg implement common eu clearing system, for which account numbers are represented in IBAN format. The IBAN account number is a series of alphanumeric characters that uniquely identifies an account held at a bank anywhere in the world. The IBAN has a maximum of 34 alphanumeric characters.

IBAN stands for International Bank Account Number. It is a standard developed by ISO (International Organization for Standardization) and the ECBS (European Committee for Banking Standards) for the presentation of bank identification systems and account numbers, for which switzerland plays a significant role. Ever since 2001 switzerland was processing payment transactions quoted in IBAN format.

The main purpose of an IBAN is to promote straight-through processing of international financial transactions, thereby making the transfer of funds between different EU countries quick, fast and more efficient.

No bank charges involving IBAN

All payment transactions made within european union, quoted with IBAN numbers are charged like domestic payments, if :

1. The currency used is EURO
2. Account number is in IBAN format
3. Total amount less than EUR 12'500.

Thus, if you make heavy payment transactions withing european union, you can eliminate all the bank costs, by designating your account in IBAN format and currency in EUR. This concession is not possible for payment transactions done in currencies other than euro.

The SWISS IBAN is made up of the following elements:

* a two-letter country code (CH for switzerland)
* a two-number check digit (CD) for the entire IBAN
* a Basic Bank Account Number (BBAN), no more than 30 characters long, comprising
Institution Identification (IID) and Bank Account Number (BAN)


Swiss IBAN Calculator for all banks in Switzerland/ IBAN Rechnung für alle schweizerische Banken

Account Number / Ihr Kontonummer: (max 12 digits)
z.B A1092768 keine punkten oder komma (12 stellig). Maximum of 12 digits with alphanumeric characters, by stripping of special characters like dot, comma, hyphen etc..
Bankleitzahl (BC no): (5 digits/stellig)
BC (bank clearing) number of the swiss bank/ BC Nummer. Sie finden hier. To get the BC (bank clearing) number of a particular bank in switzerland first locate the bank, which is grouped according to city/town Click here

Caution/Disclaimer: It is always recommended to check the calculated IBAN number with your bank, as the calculated IBAN using this tool may not be true or accurate at all times. There is always a greater possibility, that the BC no of particular banks may change from time to time, due to result of merging of banks or breakups. We accept no responsibility for any loss, damage, cost or expense of whatsoever kind arising directly or indirectly from or in connection with the use of this tool by any person or organisation.

Swiss IBAN consists of maximum 21 alphanumeric characters, uniquely identifies the swiss bank, bank clearing number and customers account number, all included under one roof (IBAN format). When the IBAN is printed on paper it is split into groups of four characters, beginning from the left and separated by a space. While quoted iban in electronic format, it should be written contagiously, without any spaces or special characters inbetween. (Ex. payments using internet banking)

Standard representation of swiss IBAN number:

CH10 00230 00A109822346

CH - Country code of switzerland (2a)
10 - Control digit derived from special algorithm of IBAN (2n)
00230 - BC (bank clearing) number of swiss banks.(5n)
00A109822346 - Account number (12an)

Total: 21 characters

Note:
a- stands for alphanumeric (means it can contain only characters)
n - numbers only in numeric
an - both characters and numbers

On paper, this is always quoted as: (4's)

CH10 0023 000A 1098 2234 6

The principality of liechtenstein uses the same protocol, as used by swiss banks, but only the country code changes.

LI10 00230 00A109822346

LI - Country code of liechtenstein(2a)
10 - Control digit derived from special algorithm of IBAN (2n)
00230 - BC (bank clearing) number of swiss banks.(5n)
00A109822346 - Account number (12an)

Total: 21an characters

 

How to calculate swiss IBAN account number manually?

The swiss iban format are of 21 digits consisting of 4 parts.

1. Country code: CH - 2 characters
2. Control Digit (XX) 2 digits
3. Bank Clearing number (BC nummer) 5 digits
4. Account Number (12 digits)

It is not necessary that, the iban may contain only numbers, but can also have alpha-numeric characters. As you notice from the above parameters, we have all necessary data for iban but 'Control digit' is missing. For that see the procedure below.

Goal: To calculate control digit of IBAN from account number, and bc number. You can find the BC number of the swiss bank, here. Banks are grouped according to city/town name in switzerland.

For example, your account number is A-10.2450.26.01 and your account is with

CREDIT SUISSE (5) (Main Branch)
Bahnhofstrasse 53
Postfach 4879
Zürich
CH-8021

BC number : 554

Step 1:

First, padd your account number in 12 digit format, by padding zeros in the front. Strip off all the hyphens, dots and commas. Just make it plain.

Account number: 0A1024502601

Step 2:

Pad the BC number of the bank by zeros in front, if it is less than 5 digits.

BC number: 00554

Step 3:

Concatenate (Join) )your BC number and account number. This becomes

005540A1024502601 (17)

Step 4:

Again join the step 3 value to: 'CH00'

005540A1024502601CH00

Step 5:

In this step, you must convert the whole result from step 4 into numbers, according the table given below, by eliminating alphabet characters.

A 10 I 18 Q 26 Y 34
B 11 J 19 R 27 Z 35
C 12 K 20 S 28    
D 13 L 21 T 29    
E 14 M 22 U 30    
F 15 N 23 V 31    
G 16 O 24 W 32    
H 17 P 25 X 33    

005540A1024502601CH00 becomes 005540101024502601121700

Step 6:

Now, you have to perform a modulo 97 operation on the result derived from step 5 and find that result

00554010102450260121700 mod 97

The result = 20

Step 7:

In this step, we will catch hold of control digits, because once we get control digits, then the data required for iban number is complete.

Subtract 20 from 98:

98 - 20 = 78

This is our controol digit.

Now, fill in the IBAN slots with our data.

Country Code: CH (2)
Control Digit: 78 (2)
BC Number : 00554 (5)
Account number: 0A1024502601 (12)

=============================
CH72005540A1024502601 (21) which is your IBAN number

CH78 0055 40A1 0245 0260 1

(An IBAN is always grouped in 4s separated by blans, when quoted in paper format).

How to check or validate a swiss IBAN manually?

To find out the calculated iban is correct or not, the same reverse procedure applies. Assume that our account number is CH78005540A1024502601

Step 1:

Detach first 4 characters(ISO country code & control digit) from IBAN and attach it at the end.

005540A1024502601CH78

Step 2:

Now eliminate all those alphabets by converting to numbers from the table given below

A 10 I 18 Q 26 Y 34
B 11 J 19 R 27 Z 35
C 12 K 20 S 28    
D 13 L 21 T 29    
E 14 M 22 U 30    
F 15 N 23 V 31    
G 16 O 24 W 32    
H 17 P 25 X 33    

That becomes 005540101024502601121778

Step 3:

Perform a modulo operation with 97

005540101024502601121778 mod 97

which gives 1

THE RESULT OF VALIDATING AN IBAN MUST ALWAYS BE '1' from the modulo operation

Hence, the calculated IBAN number is correct.

Note: The same rule applies, for liechtenstein except the only difference is change in country code " LI ".

It is recommended that beneficiary customers use the IPI (International Payment Instructio) or the ePI (electronic Payment Initiator - EBS602) for communicating the IBAN, the bank’s BIC and all otherrelevant data, in order ensure that the ordering customersubmits a correct well-structured credit transfer order. If a beneficiary customer does not yet distribute IPIs or use ePIs he/she should indicate the IBAN as well as the related bank’s BIC on his/her letterhead and invoices, in the same way as he/she indicates data such as his/her domestic account number and telephone number.

Example

Customer
12, Main Street
City, Country
Telephone: 0033 1 12 34 56 78

Bank account number: XXXXXXXXXXXXXXXXXX
Bank Address: XXXXXXXXXXXXXXXXXXX
SWIFT code: XXXXXXX
Bank’s BIC: XXXX
IBAN: CH76 1820 6000 1030 5696 6

If you own accounts of different currencies, such as USD, CHF, or EUR, then you have to quote your IBAN number in this format, specific to currency..

IBAN Account (CHF): CH76 1820 6000 1030 5696 7
IBAN Account (USD): CH26 1820 6000 1030 5696 8
IBAN Account (EUR): CH10 1820 6000 1030 5696 9

Quick reference to banks in important swiss cities:

Bern Genève Zürich Lugano Lausanne  
Bern 22 Genève 1 Zürich-Flughafen Lugano 1 Lausanne 3  
Bern 6 Genève 2     Lausanne 6  
Bern 94 Genève 3 Zug Luzern Lausanne 8  
  Genève 4 Zug 3 Luzern 4 Lausanne 9  
Basel Genève 6   Luzern 5 Lausanne 10  
  Genève 7   Luzern 6 Lausanne 12  
Fribourg Genève 8   Luzern 7 Lausanne 15  
  Genève 10   Luzern 14 Lausanne 18  
  Genève 11   Luzern 15 Lausanne 20  
  Genève 12        
  Genève 22     Neuchâtel  
  Genève 27        
  Genève 70        

IBAN format for other EU countries:

Andorra (24 digits) AD12 0001 2030 2003 5910 0100
Austria (20) AT61 1904 3002 3457 3201
Belgium (16) BE68 5390 0754 7034
Cyprus (28) CY17 0020 0128 0000 0012 0052 7600
Czech Republic (24) CZ65 0800 0000 1920 0014 5399
Denmark (18) DK50 0040 0440 1162 43
Estonia (20) EE38 2200 2210 2014 5685
Finland (18) FI21 1234 5600 0007 85
France (27) FR14 2004 1010 0505 0001 3M02 606
Germany (22) DE89 3704 0044 0532 0130 00
Gibraltar (23) GI75 NWBK 0000 0000 7099 453
Greece (27) GR16 0110 1250 0000 0001 2300 695
Hungary (28) HU42 1177 3016 1111 1018 0000 0000
Iceland (26) IS14 0159 2600 7654 5510 7303 39
Ireland (22) IE29 AIBK 9311 5212 3456 78
Italy (27) IT60 X054 2811 1010 0000 0123 456
Latvia (21) LV80 BANK 0000 4351 9500 1
Lithuania (20) LT12 1000 0111 0100 1000
Luxembourg (20) LU28 0019 4006 4475 0000
Netherlands (18) NL91 ABNA 0417 1643 00
Norway (15) NO93 8601 1117 947
Poland (28) PL27 1140 2004 0000 3002 0135 5387
Portugal (25) PT50 0002 0123 1234 5678 9015 4
Slovak Republic (24) SK31 1200 0000 1987 4263 7541
Slovenia (19) SI56 1910 0000 0123 438
Spain (24) ES80 2310 0001 1800 0001 2345
Sweden (24) SE35 5000 0000 0549 1000 0003
Switzerland (21) CH39 0070 0115 2018 4917 3
United Kingdom (22) GB29 NWBK 6016 1331 9268 19

For more information about IBAN banking, specific to countries, please contact:

European Committee for Banking Standards (ECBS)
Avenue de Tervueren 12
B-1040 Brussels, Belgium
Tel: +32 2 733 3533
Fax: +32 2 736 4988
http://www.ecbs.org

In switzerland,

Swiss Interbank Clearing AG
Produktmanagement
Hardturmstrasse 201
Postfach
8021 Zürich
Telefon: 01 279 47 47
Fax: 01 279 45 50
www.sic.ch

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Disclaimer: The information about banks published on this site may not be true or accurate at all times. Always contact your bank to verify swift, iban or other information used in payments. These parameters of banks are subjected to change from time to time. It is always recommended to check the calculated IBAN number with your bank, as the calculated IBAN using this tool may not be true or accurate at all times. There is always a greater possibility, that the BC no of particular banks may change from time to time, due to result of merging of banks or breakups. We accept no responsibility for any loss, damage, cost or expense of whatsoever kind arising directly or indirectly from or in connection with the use of our website by any person or organisation.

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