Sweden IBAN validator
How the IBAN format works
- Format
- SE + 2 check digits + 20-digit bank/account number (24 chars)
- Example
- SE4550000000058398257466
Things to watch for
- 24 characters total, all numeric
^SE[0-9]{2}[0-9]{20}$A Swedish IBAN is 24 characters: “SE”, two check digits, and a 20-digit block that carries the domestic bank and account number together with no internal split visible in the IBAN itself. That’s a deliberate design choice — Swedish clearing numbers and account numbers don’t share a fixed length across every bank, so rather than impose one boundary that wouldn’t fit consistently, the format keeps the whole 20-digit domestic number intact as a single field. Anyone paying a Swedish supplier, invoicing a client based in Sweden, or converting a domestic Swedish account number into IBAN form for a SEPA-adjacent transfer needs all 20 digits right, with no internal structure to sanity-check against.
How this validator works
This tool checks the “SE” prefix and confirms the trailing block is exactly 20 digits, then runs the real mod-97 checksum (ISO 7064) Swedish banks use to generate a valid IBAN — entirely in your browser, nothing sent to a server, no signup required, result as you type.
What a pass doesn’t tell you
A pass confirms the 24 characters are correctly formed and internally consistent — not that the account exists, is open, or belongs to whoever you expect. This tool does no bank-name lookup and never contacts a bank or Sveriges Riksbank. If a Swedish IBAN fails, recheck the 20-digit block carefully against your bank statement: because there’s no visible boundary between bank and account portions, a single transposed digit anywhere inside it is harder to spot by eye than in formats with clearly separated blocks.
Scope: Swedish IBAN structure and mod-97 checksum validation only — not payment processing, bank-name lookup, or confirming an account is active, none of which a client-side check can establish. Use this validator to catch a typo before a transfer fails; use your bank to confirm the account itself.
Content last reviewed 2026-07-07.
IBAN FAQ
What does the 20-digit block in a Swedish IBAN represent?
It's a single combined bank-and-account-number field, with no separate bank-code or branch-code segment broken out in the IBAN itself — 'SE', two check digits, then 20 digits straight through, for example SE4550000000058398257466.
Why doesn't Sweden split that block into a separate bank code and account number the way most countries do?
Swedish domestic clearing numbers and account numbers vary in length bank to bank, so rather than fix a single bank-code width that wouldn't fit every bank consistently, the IBAN carries the whole domestic number forward as one 20-digit block.
Does this tool identify where the bank portion ends and the account portion begins?
No. This tool validates the 20-digit block as a single unit and checks it against the IBAN's mod-97 checksum — it doesn't parse out a bank code or account number as separate fields, and it doesn't confirm the account is open or belongs to anyone.