IBAN country format
Netherlands IBAN Format, Length and Example
Use this guide to understand the IBAN country code for Netherlands, expected length, and example formatting. Examples are for education and testing only; they are not verified as real bank accounts.
Key Netherlands IBAN details
- Country
- Netherlands
- Country code
- NL
- IBAN length
- 18 characters
- SEPA status
- SEPA country - EU
- BBAN structure
- 14 BBAN characters after the country code and check digits.
Netherlands IBAN example
This is marked as an example/test value for showing the expected format. It must not be treated as a real account or payment instruction.
- Example/test IBAN
- NL91ABNA0417164300
- Print format example
- NL91 ABNA 0417 1643 00
- Digital format example
- NL91ABNA0417164300
What the format check verifies
- Whether the IBAN starts with the NL country code.
- Whether the IBAN has 18 characters after normalization.
- Whether the value uses allowed letters and digits.
- Whether the MOD97-10 checksum is valid.
What it does not verify
- It does not confirm that the bank account exists.
- It does not confirm account ownership.
- It does not confirm bank connectivity, sanctions status, fraud risk, payment readiness, or payment success.
- It does not replace verification with your bank or payee.
Netherlands 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 and does not confirm account existence, account ownership, payment readiness, or payment success.
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
How long is a Dutch IBAN?
A Dutch IBAN has 18 characters.
What country code does a Dutch IBAN use?
Dutch IBANs use the country code NL.
Can a Dutch IBAN contain letters?
Yes. The BBAN commonly includes a four-letter bank code.
Does validation confirm the bank account is active?
No. Validation does not confirm account activity, existence, or ownership.
Sources and update note
BankCodeKit keeps payment-code checks browser-local and uses local reference data for format and country information. Official public source pages are used for reference, but BankCodeKit does not perform live bank, account, sanctions, or payment-network verification. Reference data is reviewed periodically and does not imply live accuracy.
- Swift IBAN Registry Reference information for IBAN structure, country support, and format rules.
- Swift BIC / ISO 9362 information Reference information for visible Business Identifier Code structure and usage context.
- European Payments Council SEPA scheme countries list Reference information for countries and territories in SEPA scheme scope. Local data reviewed 2026-05-16 against EPC List of SEPA Scheme Countries v8.0, issued 2025-12-24.
BankCodeKit validates format and reference data only. It does not confirm account existence, account ownership, bank connectivity, sanctions status, fraud risk, payment readiness, or payment success.
Last reviewed: 2026-05-15 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 verification.