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International account number IBAN

Until now, in Estonia the local inland account number (BBAN - Basic Bank Account Number) is used for domestic payments. IBAN, however, refers to the international account number (International Bank Account Number) which has previously been used mainly for international payments.

IBAN is a standardised account number format consisting of letters and numbers and besides the individual’s or company’s account number it also includes the attributes of the country, bank, and, if necessary, the branch. A common standard significantly helps to simplify the automatic processing of payments made to the banks of countries in the European Economic Area and reduces errors because the sending bank can check the correctness of the account number already before sending out the payment from the bank.

What has changed

From 1 February 2014, use of the domestic account number BBAN in Estonia was discontinued. Instead, the IBAN account number comes into use both for domestic and international payments.

SEB bank switched to the IBAN format account number on 8 December. As of that date, the regular account number will appear in the Internet bank, on account statements, payment orders, etc., as a 20-digit number. In addition to the client’s account number, we shall also convert the payee account numbers for predefined payments, standing payments, and direct debits/ e-bill standing payments into the IBAN format.

The IBAN starts with a two-letter country code (for Estonia EE) which is followed by two check digits (different for each IBAN number), then a two-digit bank identifier code, and the Estonian account number.

Domestic account number: 10 1234 5678 9012
The account number in IBAN format: EE 90 10 10 1234 5678 9012

What does the change mean

  • To a private client, taking the IBAN account number into use means that your current account number increased to 20 digits. A six-digit letter and number combination was added in front of the current Estonian account number. You can view your new account number in the Internet bank.
  • IBAN numbers shall be used for making payments. For the transition to the new system to be smoother, the bank shall continue to convert the BBAN numbers entered on the internet bank into the IBAN format before making the transaction.
  • The account numbers for domestic standing payment orders and predefined payments were converted to IBAN in the Internet bank for you.
  • You can independently convert to IBAN by using the IBAN calculator.

Should you have any questions, contact your client executive in SEB, write us from the Internet bank, or to , or call customer support at 665 5100.



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