IBAN calculator is loading…

Did this calculator help you?

In that case, you might also like the Wealth-Letter. Every Wednesday, you’ll receive the most important financial tips for Switzerland: practical, independent and free from banking jargon.

8,500+ readers · free of charge · unsubscribe at any time

As a welcome gift, you’ll also receive our investment guidebook.

You’re almost there: please confirm your registration via the email in your inbox. You’ll then receive the Investment Guidebook.

IBAN calculator Switzerland: Check, calculate, find BIC & bank

With our free Swiss IBAN calculator, you can check the validity of Swiss IBANs, see which bank an IBAN belongs to, calculate an IBAN from an account number and BC number, or find a bank’s BIC/SWIFT code. The tool includes over 200 Swiss banks and payment institutions, ranging from UBS, PostFinance and Raiffeisen to newer neobanks such as Neon, Yuh and Zak. It now also checks IBANs from abroad, for example from Germany or Austria.

Status: 2026. Bank details officially provided by SIX Interbank Clearing.

Table of contents

How our IBAN calculator works

Our tool offers three functions in one. Here is a brief guide:

Tab 1: Check IBAN

  1. Enter an IBAN, for example a Swiss (CH), Liechtenstein (LI) or German (DE) one.
  2. Click on «Check IBAN».
  3. The tool checks the country code, length and check digit. For Swiss and Liechtenstein IBANs, it also checks the BC number and shows you the corresponding bank and the BIC.
  4. By selecting «Copy IBAN», you can copy the verified IBAN without any spaces, ready for online banking.

Schwiizerfranke tip: With neobanks such as Neon or Yuh, the tool automatically shows you which partner bank is behind them. And it recognises a QR-IBAN straight away.

Tab 2: Calculate IBAN

  1. Select your bank from the drop-down menu (including all neobanks).
  2. Enter your account number (max. 12 digits).
  3. The tool automatically calculates the correct check digit and converts your account number into an IBAN.

Important: The IBAN that has been calculated is mathematically correct. No IBAN calculator can verify whether the account actually exists. Only your bank knows that.

Tab 3: BIC/bank search

  1. Enter a search term: Bank name, BIC code, BC number or city.
  2. The tool searches over 200 Swiss banks and payment institutions.
  3. Click on a result to copy the BIC directly.

Practical tip: You can also search for neobank names such as «Neon», «Zak» or «Yuh». The tool will automatically find the right partner bank.

iban calculator switzerland iabn check switzerland iban check switzerland bic calculate account number from iban

Check IBAN - How to recognise typing errors immediately

Before you make a bank transfer, you should check the recipient’s IBAN. Our IBAN check verifies:

  • Country code: The first two letters stand for the country; for example, CH for Switzerland, LI for Liechtenstein or DE for Germany.
  • Length: Swiss IBANs have exactly 21 characters. Every other country also has a fixed length, which the tool checks automatically.
  • Check digit: Positions 3 and 4 are validated in accordance with ISO 7064. This means that a typing error or two swapped digits will almost always be spotted.
  • BC number: For Swiss and Liechtenstein IBANs, we check whether the bank clearing number (digits 5 to 9) exists.

Check a foreign IBAN

An invoice from Germany or a payment to Austria? The calculator checks IBANs from all 88 countries in the official IBAN register for country code, length and check digit. It only displays the bank name for Swiss and Liechtenstein IBANs, as there is a reliable official directory for these.

CountryStarts withJobs
SwitzerlandCH21
LiechtensteinLI21
GermanyEN22
AustriaAT20
FranceFR27
ItalyIT27

Good to know: An IBAN does not reveal the currency in which the account is held. If you regularly transfer euros, a euro account can save you on exchange rate fees.

Top recommendations for 2026

Your key to success! Discover our top recommendations from real testimonials.

Swiss bank account recommendation test experience report account
IBAN calculator Switzerland: Check, calculate, find BIC & bank 1
ETF buy Switzerland recommendation savings plan exchange traded funds investing
Pillar 3a Comparison Recommendation Experience Report
Swiss Online Broker Recommendation Test Comparison
Bank account recommendation best Swiss bank account test

Calculate IBAN from account number

Do you still have an old account number without an IBAN? Our calculator will convert it into an IBAN. To do this, you’ll need:

  • The BC number (bank clearing number) of your bank
  • Your account number (max. 12 digits)

The tool automatically adds leading zeros and calculates the correct check digit according to the Modulo 97 procedure (ISO 7064).

Example: BC number 700 (ZKB) + account number 1162385295 gives CH07 0070 0001 1623 8529 5.

Which bank belongs to this IBAN?

Positions 5 to 9 of a Swiss IBAN contain the BC number (bank clearing number or IID). This uniquely identifies the bank. This means you can use the IBAN to find out which bank an account belongs to. Our tool automatically shows you:

  • Name of the bank
  • Location (head office)
  • BIC/SWIFT code
  • For neobanks: Note on the partner bank
  • For QR-IBANs: a note stating that it is a QR-IBAN

Example: IBAN CH07 0070 0001 1623 8529 5 → BC number 700 → Zürcher Kantonalbank, Zurich.

For foreign IBANs, the tool checks the length and the check digit, but does not display the bank.

Find BIC/SWIFT code

The BIC (Bank Identifier Code), also known as SWIFT code, is an international bank identifier. You need it for:

  • Transfers outside the SEPA area
  • Payments in foreign currencies
  • Some international platforms and brokers

Good to know: For SEPA transfers within Switzerland and Europe, the IBAN alone is usually sufficient; the BIC is determined automatically.

Structure of a Swiss IBAN

A Swiss IBAN always has 21 digits and follows this structure:

JobsContentExample
1 and 2Country codeCH
3 and 4Check digit07
5 to 9The bank’s BC number, padded out to 5 digits with leading zeros00700 (Zurich Cantonal Bank)
10 to 21Account number, padded out to 12 digits with leading zeros001162385295

Put together and written in blocks of four, this gives: CH07 0070 0001 1623 8529 5.

Why does my IBAN end with letters?

That’s not a mistake. The last 12 characters of a Swiss IBAN are your bank’s account number, and this may contain letters as well as numbers. Some banks use this format for their account numbers. The key thing is that the length and check digit are correct, and that is exactly what the calculator checks.

What is a QR-IBAN?

Since the introduction of QR invoices in Switzerland, the QR-IBAN has been available alongside the standard IBAN. The difference lies in the BC number in positions 5 to 9:

  • QR-IBAN: BC number in the range 30000 to 31999 (QR-IID)
  • Normal IBAN: any other BC number, for example 700 for Zürcher Kantonalbank or 9000 for PostFinance

The QR-IBAN is used when you want to include a structured reference (QR reference) on a QR invoice. You can find our QR Invoice Generator. For standard bank transfers, the standard IBAN is sufficient.

Important: A QR-IBAN may only be used in conjunction with a QR reference. It is not suitable for standard bank transfers without a reference.

Our calculator automatically recognises a QR-IBAN. So, when you check an IBAN from a QR invoice, you can see straight away whether it is a standard IBAN or a QR-IBAN.

Our financial tips for 2026

"Intelligent people learn from the mistakes of others".

We have compiled our top selection for you from all our tests and experience reports:

Online broker comparison trading platforms comparison Swiss broker comparison test
Swiss bank account recommendation test experience report account
swiizerfranke ebook investment guide switzerland pdf download
Pillar 3a Comparison Recommendation Experience Report
Crypto Broker Switzerland Comparison Buy Bitcoin
swiss online finance course investing pensions online learning live calls swiss online finance course

IBAN with Swiss banks

Here you will find the most important BC numbers and BIC codes of the largest Swiss banks:

BankBC numberBIC/SWIFT
UBS Switzerland AG230UBSWCHZH80A
UBS (formerly Credit Suisse)4835CRESCHZZ80A
PostFinance9000POFICHBEXXX
Zurich Cantonal Bank700ZKBKCHZZ80A
Raiffeisen Switzerland80000RAIFCH22XXX
Cantonal Bank of Berne790KBBECH22XXX
Basel Cantonal Bank770BKBBCHBBXXX
Lucerne Cantonal Bank778LUKBCH2260A
St. Gallen Cantonal Bank781KBSGCH22XXX
Aargau Cantonal Bank761KBAGCH22XXX
Migros Bank8401MIGRCHZZXXX
Valiant Bank6300VABECH22XXX

Good to know: Major banks such as UBS use several BC numbers, and each local Raiffeisen bank has its own. The most reliable way to identify a bank is therefore always the IBAN itself: enter it at the top of the calculator, and you’ll see the exact bank and the corresponding BIC.

IBAN with neobanks: Neon, Yuh, Zak & Co.

Many Swiss neobanks do not hold their own banking licence and use a partner bank. That is why your IBAN does not say «Neon», but «Hypothekarbank Lenzburg», for example.

NeobankBank associated with the IBANBC numberBIC/SWIFT
NeonMortgage Bank Lenzburg8307HYPLCH22XXX
YuhSwissquote Bank8781SWQBCHZZXXX
ZakBank Cler8440BCLRCHBBXXX
YapealYapeal (holds its own banking licence)83019YAPECHZ2XXX

«A Schwiizerfranke reader asked: Why does my Neon statement say »Hypothekarbank Lenzburg’?” It’s quite simple: Neon uses Hypi Lenzburg’s infrastructure. Your money is just as safe there as it is at any other Swiss bank.

Common errors with IBAN transfers

I see these mistakes again and again in my community:

1. typing error in the IBAN

Confusion between O and 0, I and 1, or transposed digits. Our IBAN check almost always detects such errors immediately thanks to the check digit.

2. old account number instead of IBAN

Since the introduction of the IBAN, Swiss banks have only accepted IBANs for payment transactions. Use our converter to convert your old account number into an IBAN.

3. IBAN from fraudsters

Be careful with invoices sent by email: Fraudsters often forge invoices and simply change the IBAN. Important: Such an IBAN is technically valid and will pass any IBAN check. You should therefore always check the IBAN against previous invoices or ring the sender.

4. confusion with neobanks

«I have Neon, but the statement says »Hypothekarbank Lenzburg’. Is that right?” Yes! Neobanks use partner banks, which is why the name is different.

5. QR-IBAN for a standard bank transfer

A QR-IBAN only works in conjunction with a QR reference. If you enter it into your online banking without a reference, the payment will be declined. Our calculator will show you straight away whether an IBAN is a QR-IBAN.

Data sources: SIX Interbank Clearing, Bank Master File (Swiss banks). Official SWIFT IBAN Register (country-specific rules for foreign IBANs). The validation process takes place entirely within your browser; IBANs entered are neither stored nor transmitted. Disclaimer: All information is provided without guarantee. This tool is for guidance only. Always verify the recipient’s IBAN before making a transfer.

FAQ: Frequently asked questions about the IBAN

Exactly 21 digits: 2 letters (CH), 2 check digits, 5-digit BC number and 12-digit account number.

In e-banking under «Account details», on your debit card, on account statements or in your banking app.

The IBAN identifies your account, the BIC (SWIFT code) identifies the bank. You often need both for international transfers.

Yes. For Swiss and Liechtenstein IBANs, digits 5 to 9 (the BC number) uniquely identify the bank. Our tool automatically displays the bank, location and BIC. For foreign IBANs, it checks the length and check digit, but does not display the bank.

 

Neon uses the BC number 8307 (Hypothekarbank Lenzburg). The IBAN therefore begins with CH... 0830 7...

PostFinance has the BC number 9000 and the BIC is POFICHBEXXX.

An IBAN with a special QR-IID (BC number 30000-31999) for QR-bills with a structured reference.

No. Our tool only checks the format and the check digit; it does not check whether the account actually exists or who it belongs to. This applies equally to Swiss and foreign IBANs. Only the bank itself can do that.

 

Enter the IBAN at the top of the calculator. It will check whether it begins with CH, has exactly 21 digits, the check digit is correct and the BC number belongs to a recognised bank. No calculator can verify whether the account exists or belongs to the correct recipient; only the bank can confirm this.

Yes. The calculator checks IBANs from all 88 countries listed in the official IBAN register for length and check digit. A German IBAN, for example, has 22 digits. It only displays the bank name for Swiss and Liechtenstein IBANs.

 

No. The verification process takes place entirely within your browser. The IBAN is neither stored nor transmitted to us or any third parties.