Is it possible not to specify the iban number. International payments with Sberbank
When receiving a transfer from an EU bank, it is often required to indicate the IBAN number (international bank account number). Finding out is much easier than you think.
Iban in Russia
The abbreviation IBAN means the client's bank account number, not only in a commercial bank, but also in any financial institution in accordance with ISO 13616 (common international standard).
Since the beginning of 2007, IBAN has been used as the only way to identify the recipient's details for money transfers in favor of customers who are serviced by banks in the European Economic Area and the European Union.
And since January 01, 2007, the IBAN code (International Bank Account Number) has become the only identifier of the beneficiary's account for payments in any currency in favor of bank customers in member countries of the European Union and the European Economic Zone(ES/EEZ).
This means that Russians may need the IBAN code when making a money transfer from Russia to the EU / EEA countries, if the transfer is planned to be credited to the recipient's account, and the recipient of the funds will have to inform you of it after learning from his bank.
Iban how to find out
Despite the widespread use in the Eurozone, the domestic banking system has not yet switched to using IBAN. But this does not mean that clients of Russian banks have any problems with receiving or sending transfers to the EU. In the process of processing international transactions, problems mainly arise due to ignorance of the details bank employees or bank customers.
At the same time, practical experience shows that instead of an IBAN, it is enough to provide a European bank with a SWIFT number and problematic issue closes automatically. If this does not happen, contact your bank staff.
Iban check
Today in Runet there are special services called "IBAN Verification Calculator". To use the convenient option, just follow the link, enter the number you are interested in into the line, click "OK" and get all the information you are interested in.
Similarly, only for their databases, foreign banks check the correctness of the provided account number. Thanks to the use of advanced modern technologies, the verification procedure is carried out online and the money is credited to the account as quickly as possible.
What is Iban Bank
IBAN is a special number that consists of letters, numbers and complies with EU standards. With the help of this number, foreign banks determine whether the details of the recipient belong to a specific commercial bank, department, find out the state where the institution is located.
IBAN is designed specifically to speed up and simplify the work with payments within the countries of the European Union and the economic zone of the EU. The number contains a combination of letters to identify the state, the code of the bank that owns the account, as well as the current account number.
Advice from Sravni.ru: If, when receiving a transfer from the Eurozone, a question arises about the impossibility of receiving funds due to the lack of an IBAN, it is enough to send your bank's SWIFT number to a foreign financial institution in order to successfully resolve the issue.
If at least once in your life you have had to transfer funds to European countries, then the concept of “IBAN code” is familiar to you. The sender needs to name it to complete the transfer. To find out the IBAN number, it is enough to come to any banking institution and open a current account. Employees of some financial institutions may recommend a SWIFT code to the sender, with which you can also receive a transfer. Then why is there a need for an IBAN? What is it? And why is it not available in all banks?
Basic information
We have defined above that an IBAN is required for execution. What is it - let's find out. This code is the international current account number of a particular client. It is drawn up in accordance with international standards for assigning account numbers for EU countries and some other states.
Since 2007, this code has become a unique official identifier of the beneficiary's account, through which transactions are made to transfer funds to bank customers located on the territory of the Economic Union in any currency. Over time, other countries began to use it. Now the number of countries using the code has grown to 62. But in the Russian Federation, such an account standard does not exist in the banking system, which is why banks refuse to issue it.
For citizens of Russia, an IBAN account number may be required when making a money transfer to the EU countries with crediting to the current account of the recipient of funds. Information regarding the code is provided by the recipient himself, having previously asked about it from his bank.
Since 2007, banks have the right not to conduct funds transfer operations if the account numbers are not in the IBAN format. But this rule applies only to those cases where the translation is carried out in foreign currency, and only in favor of a person served by a bank in the EU and EEC countries. Accordingly, sending cash, for example, to France without specifying the IBAN code, the sender will receive them back due to a refusal by the bank. The money will not be returned in full, as the bank will withhold an amount equal to the refund commission.
Code structure
Each letter and number in IBAN carries a certain semantic purpose. Let's take a closer look at what this means:
- the first two letters carry information about the country in which the beneficiary's bank is located;
- the next two digits indicate information about the unique IBAN number, which is obtained by calculation;
- the next two digits carry information about the BIC code of the banking institution;
- the remaining digits are the customer's account number within the bank.
When is an IBAN code needed?
Its presence is mandatory when making payments and transfers in favor of persons residing in the EU and EEC countries, as well as some other states that already use a similar standard of accounts. And for money transfers there is no need for it in Russia yet.
How to apply the code when making international transactions?
Let's consider the case when a foreign partner sends you an invoice that has both a traditional account number and an IBAN. When making an international payment, it is better to indicate the IBAN in the order in the field intended for the beneficiary's account number. Then the payment will be faster, as the processing of documents will take less time. It should be noted that if filled in electronically, it is recommended to enter the IBAN without spaces and extra characters.
Use of the IBAN number by banking institutions of the Russian Federation
Transfers in favor of a citizen of the Russian Federation are made without specifying IBAN. To do this, just enter the SWIFT code.
The IBAN account must be indicated only for external transfers from a current account opened with a bank in the Russian Federation. And it is only needed if the payment goes to a bank located in the EU and the EEA or in other countries that have also begun to apply this account standard.
What identifier is used for transfers from EU countries to accounts of Russian banks
We wrote above that if funds are transferred from EU and EEA countries to Russian accounts, then in payment order IBAN is not specified. What does it mean? This means that the sender just needs to indicate in the document that the transfer is not carried out in the EU, but outside it.
When sending funds from Europe to the accounts of Russian banks, it is required to issue a payment order for external banking operations. It should include the following information:
- SWIFT code belonging to the recipient bank;
- settlement account of the client of the beneficiary bank.
How to find out the details for international cash transactions?
- Information about the necessary details, which are indicated in payment documents when making international transfers, is located on the official websites of banking institutions.
- If you have an account opened with a banking institution of another state that has the right to set an IBAN, for example, in Privatbank, then you can find out information about the code in one of the following ways: by contacting the bank branch through the Internet banking system, or by calling the "hot line" .
- In the banking system there is such a thing as an intermediary bank. Its services can be used by banking institutions that are not able to directly make international Bank operations. For example, Alfa-Bank signed with three financial institutions Germany an agreement so that its customers have the opportunity to transfer funds to this state. How exactly to make an international transfer, the bank employees will tell you.
International payments with Sberbank
To make international payments from any of the countries (including the EU and EEA states) through Sberbank, the following information must be present in the payment order:
- name of the beneficiary bank;
- the location of the branch that services the account;
- full name of the account holder;
- his passport data, TIN and KPP numbers;
- BIC, correspondent account and settlement account of the recipient bank.
You may need additional details, they can be found on the official website of the bank. Sberbank's IBAN is not listed there, but only because it does not yet exist in nature. For international transfers, Sberbank uses only the SWIFT code, and it must be called the sender of funds. Subdivisions located in different regions also have different SWIFT codes. Information that is suitable for you can be found on the bank's website.
Conclusion
Having studied all the information, it became clear the bank and its function in the banking system. Such a single account standard can make the processing of payments made by EU and EEA banks and reduce the number of errors when entering details, since the sending bank of funds can check the correctness of the specified account number before making a payment.
Those people who for the first time have to receive a money transfer from the countries of the European Economic Area, and with crediting to the account, are often faced with the request of the sender to find out in their bank and inform them to complete the transfer IBAN code. A person goes to his bank, where he has a current account, and tries to get an IBAN code. But he is denied extradition of this mysterious IBAN, and in return they offer to send SWIFT to the sender, saying that this will be enough for the transfer to reach. So what is IBAN code (IBAN code), which EEA banks require when processing a money transfer, but our banks do not issue it?
IBAN (International Bank Account Number)
IBAN is the number of the client's bank account in a bank or other financial institution, assigned in accordance with the international standard ISO 13616.IBAN (International Bank Account Number) is an international bank account number standard developed by the International Organization for Standardization and the European Committee for Banking Standards. So, IBAN is the international account number of the recipient of money, and it is also called - IBAN code (IBAN code).
It is applied in accordance with the requirements of the Directive of the European Union No. 2560/2001 "On the mandatory indication of IBAN codes in payment instructions." And from January 01, 2007, the IBAN code (International Bank Account Number) has become the only identifier of the beneficiary's account for payments in any currency in favor of bank customers in the member countries of the European Union and the European Economic Area (ES / EEZ).
This means that Russians may need the IBAN code when making a money transfer from Russia to the EU / EEA countries, if the transfer is planned to be credited to the recipient's account, and the recipient of the funds will have to inform you of this after finding out from his bank.
Starting from the same period (01/01/2007), banks are authorized to refuse to make payments in which account numbers are not in the IBAN format, which will entail both non-execution of payments and deduction of a commission for the return of these payments. However, this order applies only to payments in all foreign currencies in favor of customers of banks in the ES / EEZ countries. So, by sending a money transfer without an IBAN code, let's say to Germany, a person can get it back because the bank refuses to accept it, and, in addition, the amount returned will be reduced by the commission for its return.
IBAN code structure
Approved structure IBAN cannot exceed 34 alphanumeric characters(letters in the code are used from the Latin alphabet and only uppercase). The structure of the IBAN code (account) includes the following values:- 1-2 characters - letter code of the country where the beneficiary's bank is located (according to ISO 3166-1 alpha-2)
- 3-4 character - control unique number IBAN, calculated according to the standard (ISO 7064)
- 5-8 character - the first 4 characters of the bank's BIC code
- 9-34 character - domestic / intra-bank account number of the bank client.
List of countries using IBAN
IBAN code is used in more than 45 countries of the world, including the states of the European Union, their territories and other countries.I will give an approximate list of countries using IBAN, the total length of the account and examples of compiling the code in these countries, which I borrowed from the websites of individual banks in Russia and Kazakhstan:
The country | ISO country code | Total length of IBAN (number of characters) | IBAN code example |
---|---|---|---|
Andorra | AD | 24 | AD1200012030200359100100 |
Austria | AT | 20 | AT611904300234573201 |
Belgium | BE | 16 | BE68539007547034 |
Bulgaria | BG | 22 | BG46BFTB76301475624821 |
Bosnia and Herzegovina | BA | 20 | BA391290079401028494 |
United Kingdom | GB | 22 | GB29NWBK60161331926819 |
Hungary | HU | 28 | HU42117730161111101800000000 |
Germany | DE | 22 | DE89370400440532013000 |
Greece | GR | 27 | GR1601101250000000012300695 |
Gibraltar | GI | 23 | GI75BARC000000007099453 |
Denmark | DK | 18 | DK5000400440116243 |
Iceland | IS | 26 | IS140159260076545510730339 |
Ireland | IE | 22 | IE29BOSI93115212345678 |
Spain | ES | 24 | ES9121000418450200051332 |
Italy | IT | 27 | IT60X0542811101000000123456 |
Cyprus | CY | 28 | CY17002001280000001200527600 |
Latvia | LV | 21 | LV80PARX0000435195001 |
Lithuania | LT | 20 | LT121000011101001000 |
Liechtenstein | LI | 21 | LI21088100002324013AA |
Luxembourg | LU | 20 | LU280019400644750000 |
Mauritius | MU | 30 | MU17BOMM0101101030300200000MUR |
Macedonia | MK | 19 | MK07300000000042425 |
Malta | MT | 31 | MT84VALL011000012345MTLCAST001S |
Monaco | MC | 27 | MC9320041010050500013M02606 |
Netherlands | NL | 18 | NL91FTSB0417164300 |
Norway | NO | 15 | NO9386011117947 |
Poland | PL | 28 | PL27114020040000300201355387 |
Portugal | PT | 25 | PT50000201231234567890154 |
Romania | RO | 24 | RO49RNCB1B31007593840000 |
San Marino | SM | 27 | SM88X0542811101000000123456 |
Serbia and Montenegro | CS | 22 | CS73260005601001611379 |
Slovenia | SI | 19 | SI56191000000123438 |
Slovakia | SK | 24 | SK3112000000198742637541 |
Tunisia | TN | 24 | TN5914207207100707129648 |
Turkey | TR | 26 | TR330006100519786457841326 |
Finland | FI | 18 | FI2112345600000785 |
France | FR | 27 | FR1420041010050500013M02606 |
Croatia | HR | 21 | HR1210010051863000160 |
Czech Republic | cz | 24 | CZ6508000000192000145399 |
Sweden | SE | 24 | SE3550000000054910000003 |
Switzerland | CH | 21 | CH9300762011623852957 |
Estonia | EE | 20 | EE382200221020145685 |
Kazakhstan | KZ | 20 | KZ75 125K ZT20 6910 0100 |
When is an IBAN code needed?
So, when making payments and transfers to the countries of the European Union and the European Economic Area, as well as to the acceding countries IBAN code is required, and for transfers to Russia - until required.Sberbank clients who conduct international financial operations, encounter a term such as IBAN. This is a personal international account number that immediately identifies a person and significantly speeds up the process of transferring funds across the cordon. However, this identifier is assigned only to customers of banks in the European Union, and a slightly different identification system operates in Russia. What is IBAN for, what is it and how to get it? You will find answers to these frequently asked answers in the article.
Since Sberbank is a participant in international cashless payments, it uses the appropriate identification systems. So, for financial transactions in foreign currency with European partners, the IBAN code is used. As a personal identifier, IBAN refers to details that, in without fail are indicated in all payment orders related to the international transfer of funds.
Important! The abbreviation IBAN is individual number international bank account, which is indicated in the application for a money transfer in foreign currency.
It should be noted that the IBAN code was developed for European banks and Russian banks do not have it, since they operate on the basis of a slightly different system. This often causes certain difficulties for Russians in receiving a transfer from abroad, while there are no problems with sending money.
For example, if a transfer is expected from an account in a European bank, the sender will require the IBAN code from the Sberbank client. But, alas, you won't be able to get it. The only alternative would be the SWIFT number that Sberbank works with.
It should be noted right away that the practice of using the SWIFT payment system is available to all financial institutions that are affiliated with the World Society for Interbank Transactions.
Things are completely different with sending funds across the cordon. A Sberbank client needs to find out from the recipient his IBAN code, and then indicate it in the application for an international transfer. And this is where the whole procedure ends, since in this situation the sender's IBAN is not requested.
Sberbank details IBAN
The IBAN code is a complex alphanumeric combination that is different for all account holders. All code consists of individual blocks placed in a certain number.
When decrypting IBAN, the necessary information is obtained from each block separately:
- the first characters show in which country the bank branch servicing the client's account is located;
- the next 2 characters are automatically regenerated by the bank and are of a control nature;
- then comes a group of numbers, which is the identification combination of the bank;
- and the last and largest group of numbers (there may be more than 20) indicates the account number and the code of the currency used.
Important! Each state has its own IBAN length and can contain from 20 to 37 characters. So, in Germany, IBAN consists of 22 letters and numbers and looks something like this: DE89670400694739412090
How to find out the IBAN of Sberbank
Customers who have problems receiving an international currency transfer from European bank, start looking for ways to get the IBAN code required from them. From the foregoing, it becomes clear that the question of where to get the Sberbank IBAN is absolutely incorrect, since all Russian banks do not have it. However, such a difference in making money transfers between countries of the world does not prevent Russian citizens from sending or receiving money from abroad .
As already mentioned, the analogue of the IBAN code in Russia is the SWIFT code. It is he and the series additional information can be provided by the recipient for the safe receipt of the transfer.
So, the sender will need to provide the following information:
- SWIFT code of Sberbank (for each regional office he owns).
- The name of the banking institution in Latin.
- The current address of the city where the recipient is registered.
- Details of the bank branch where the transfer will be sent.
- Bank account, as well as personal data of the recipient.
You can find out the details for processing a currency transaction in different ways:
- In the branch of Sberbank.
- AT Personal account Sberbank Online (Card/Account Information section).
- When contacting the call center (you need to call the standard number 8-800-555-55-50).
Advice! It is advisable to get the bank details in printed form, so that later they can be provided to the sender, for example, by a-mail. This will eliminate the error when filling out the receipt.
How to receive a money transfer from a European bank without IBAN
An international account number may be required for Sberbank customers only if they receive a money transfer from a bank in a country that is part of the European Union. The fact is that such banks work according to the EU directives and are not entitled to make money transfers in foreign currency in international banks without providing the recipient's IBAN code. And as you know, Sberbank of Russia does not assign such an identifier to its customers.
Under the current circumstances, when it is impossible to make a transfer without Sberbank's IBAN, and the use of a SWIFT code does not comply with the bank's directives, clients of financial institutions use one loophole. The IBAN code is required only when making a currency transfer. If the transaction is carried out in the currency of the country, then such information from the recipient is not required.
In other words, if the sender's bank is located, for example, in Italy, where official currency is the euro, then the transfer in euro to Sberbank will not be considered as an international currency transfer and the IBAN code will not be required. But if the transfer is in dollars, then without an international IBAN account, the owner of the Sberbank account will not be able to receive funds.
The need for an IBAN to conduct international transactions in foreign currency often creates a lot of difficulties for Sberbank customers. But the possession of the necessary information and the correct approach to the execution of translations solves all the problems that have arisen. In any case, if you have any difficulties in obtaining funds from a European bank, the employees of Sberbank of Russia will definitely help you get out of this situation without harming your client.
IBAN is the bank account number used to make international money transfers. With its help, there is a real opportunity to immediately identify the details of the recipient, while significantly speeding up the implementation of the transaction.
When making financial transfers of international importance, the residents of Russia face a dilemma with finding and determining the necessary details, since our banks do not have it as such. Such standards are familiar to the countries that are part of the European Union and several non-EU countries. On the territory of Russia, a different identification technology functions, as a result of which, unfortunately, most banking institutions do not have IBAN in their functionality.
What is an IBAN code?
The specified code is an international user cipher for an individual bank account that complies with established European standards and is a development of the International Organization for Standardization. The purpose of its use is to conduct international cash transactions conforming to common accepted standards. It was originally introduced for selected countries, consisting only of the European Union, but soon this idea was taken into account by several other countries.The number mainly consists of 34 digits, although there are also letters, it is equipped with an individual cipher.
The first two digits indicate the code of the country where the bank responsible for servicing the personal account is located;
two more digits from the list represent the iban code, which is strictly personal, the calculation through which is carried out strictly in accordance with ISO 7064 standards;
then follows the Bic cipher, which is determined by the responsible bank itself;
the remaining digits identify the branch of the organization servicing the loans and are a reflection of the internal personal account number, unique for each client.
Why is an IBAN needed?
Residents of Russia have problems with the mentioned code, not so much when transferring funds, but when receiving them directly by transfer from abroad. If the sender decides to make a transfer through his bank, which operates according to approved European standards, he needs to know this an identification number. However, none of the Russian banks is able to provide you with this, offering only SWIFT as an alternative. In the World Society of Interbank Organizations, all functioning banking systems serve the specified format.Difficulties may arise, in particular, if the bank, through which the sender wishes to conduct a financial transaction, categorically refuses to transfer funds from abroad. In this situation, you can try to convince employees that this system is not in operation. Russian banks, otherwise, try to choose Alternative option to carry out a payment transaction.
Important nuance: IBAN number can be used only in case of currency transfer.
If you need to transfer the necessary funds from Russia to the balance of a European bank operating in the EU standards system, then you should definitely indicate the unique IBAN of your recipient. Otherwise, the payment will not be accepted, and financial resources will be returned to the sender, taking into account the deduction of the amount of the commission. In order to avoid a characteristic unpleasant situation, you should inquire in advance on the following issues:
List of countries operating within the framework of the European standard;
reliable personal details assigned to your recipient.
To receive sent cash to your balance in Sberbank of Russia directly from abroad, the sender must certainly provide the following necessary details:
SWIFT of a specific bank that directly serves you;
personal account number assigned to the recipient;
Name of your recipient.
How to find out the details and IBAN of Sberbank?
If a transfer of international importance is expected, you will need to find out the personal details of your personal bank balance and report them exactly to the sender.The necessary details can be obtained:
1. Through a branch in your Sberbank.
2. Through your personal account registered with the service.
3. Through the call center, by contacting the hotline services.
An IBAN linked to Sberbank of Russia cannot be determined, since such a service does not exist in this system. At his insistence, you may well offer SWIFT related to your bank as an alternative.
It is worth remembering that the implementation of the international financial transfer to another person, you will be able to carry out only through the nearest branch in your Sberbank. To carry out such an operation, you will be required to provide the operator with a document proving your identity, indicate the number of the personal bank balance of your recipient, his personal details, the name of the bank serving the recipient, the country and city where he lives. Then you will need to deposit the required funds in full, taking into account the commission.
Receiving cash by transfer from abroad also has its own aspects. To guarantee the receipt of an international financial transfer through Sberbank, the sender needs to know certain data: SWIFT, the name of the banking institution translated into English language, in Latin letters the specified name of the city (MOSCOW). Further, the exact number of your nearby branch, because cash will be issued to you exclusively at the designated office, personal data.
In order to make the required financial transactions in both directions faster and easier, it is recommended that you first inquire in detail about all the intricacies of the necessary manipulations and nuances at the nearest branch of your Sberbank.