Introduction to IBAN

How to use an International Bank Account Number (IBAN) for TrueLayer payments in the EU.

An IBAN, or International Bank Account Number, is required by some banks in the EU to create a payment. You can usually find your IBAN on your bank statement or by logging into your bank's online banking/app.

An IBAN consists of three parts:

  • a country code (eg FR, DE)
  • a control key
  • a BBAN

IBANs in EU payment requests

During provider selection, a user who makes a payment in Europe will often be asked to submit their IBAN alongside the provider they want to pay with.

These are the countries enabled by TrueLayer that require the person making the payment to submit their IBAN:

  • Austria
  • Belgium
  • Germany
  • Italy
  • Lithuania
  • Norway
  • Poland

If you don't know your user's IBAN, they will be asked to add it manually during checkout so that they can safely connect their bank and proceed with the payment.


We recommend that you store your user's IBAN, and supply it for them if they pay again. This significantly improves the user experience.

TrueLayer's user interfaces for web and mobile apps automatically handle additional requirements like this for banks and countries across Europe.