Sweden IBAN Format, Length and Example

How to read this Sweden IBAN

• The value starts with SE, the IBAN country code for Sweden.
• The next two characters are international check digits.
• The remaining 20 characters are the country-specific BBAN section: 20 digits after the country code and check digits: a 3-digit bank identifier, 16-digit account number, and 1 check digit.
• Swedish IBANs have a 20-digit BBAN after the country code and check digits.
• The example shows a long numeric value where digit transposition is easy to miss visually.

Worked example

Use the example below to compare what an invoice might show with what a payment form or validator usually receives after spaces are removed.

Input shown on page

SE45 5000 0000 0583 9825 7466

Normalized digital value

SE4550000000058398257466

Expected length

24 characters

Result interpretation

Passing format checks still does not confirm a real account, owner, bank reachability, or payment success.

What the format check reviews

• Whether the IBAN starts with the SE country code.
• Whether the IBAN has 24 characters after normalization.
• Whether the value uses allowed letters and digits.
• Whether the MOD97-10 checksum is valid.

Common Sweden IBAN mistakes

• Transposing adjacent digits while typing the long SE value manually.
• Copying extra reference text into the IBAN field from invoice or payout instructions.

When this page is useful

• Checking Swedish IBAN length and grouping before using a bulk or invoice workflow.
• Reviewing a long SE value without sending it to a server or external API.
• Use the IBAN Checker after this page when you need a local checksum result for one value.

What it cannot confirm

• Format checks do not confirm that the account exists or belongs to the intended payee.
• They do not confirm bank reachability, payment readiness, or payment success.
• Use the detailed disclaimer for the full list of non-verified items.

Sweden SEPA context

The local SEPA country reference data lists this country as: SEPA country - EU. Country-level SEPA status does not confirm that a specific bank or account can receive a payment.

Limitation note

This page explains IBAN format rules only. It is not a bank, account, sanctions, fraud-risk, or payment-network check.

Before using this IBAN format for payment

A structurally valid IBAN can still be wrong for a real transfer. Always verify payment details with the invoice issuer, recipient, bank, or payment provider before sending money.

FAQ

Last reviewed: 2026-06-28 Sources: Swift IBAN Registry, European Payments Council SEPA scheme countries list Reference data is reviewed periodically. BankCodeKit does not perform live bank, account, sanctions, or payment-network confirmation.