The United Kingdom of Great Britain and Northern Ireland's IBAN formatting described below is used also by the Isle of Man and the Bailiwicks of Guernsey and Jersey. Gibraltar and the British Virgin Islands which are also UK's owned territory use the same formatting although not in the mainland. All other British Overseas Territories have their own formats.

Some Largest banks
United Kingdom has officially introduced the IBAN system in April 2001. Currently, both domestic bank account numbers and IBAN are in circulation. Although, IBAN can be used for domestic payments in the UK, currently, it is not mandatory.
IBAN in the UK is mandatory only for the following types of payments:

- International payments The basic structure of the British IBAN is described below:



Where:
K = MOD 97 (ISO 7064) Checksum
B = First four characters from BIC bank code
S = Bank and branch code (Sort Code)
C = Account number

IBAN Example:

National Bank Code ISO 3166	IBAN Checksum	BBAN (Basic Bank Account Number)
		Bank Code	Branch Sort Code	Account Number
GB	26	MIDL	400515	12345674

Structure of The UK’s IBAN, International Bank Account Number the following elements:

• Country Code is the two letter ISO code of the country. In this case it is 'GB' for Great Britain.
• Check Digits are the two digits after the country code. They are specially calculated via an algorithm which ensures the correctness of the IBAN and protect against common typos.
• The bank code consists of the first four characters of the bank’s BIC code and unambiguously identifies the issuing institution. Any branch of that institution shall also be represented by the same bank code irrespective of its geographic location. The BIC codes are registered by S.W.I.F.T. (as the Registration Authority for ISO 9362). There is possibility of obtain BIC code from sort code checker
• The sort code is a 6 numeric digit number that identifies the UK institution and branch. The sort codes are registered by BPSL. For the purposes of the BBAN, the sort code is not depicted as three two digit numbers separated by hyphens.
• The account number is an 8 numeric digit number that identifies the individual customer’s clearing account at the UK institution/branch. For account numbers of less than 8 numeric digits, leading zeros must be added The BBAN is presented in all printed forms in sets of four alphabetic characters/numeric digits separated by spaces as follows: AAAA XXXX XXYY YYYY YY where A represents the bank code, X the sort code, and Y the account number.

There are two different validations that can be performed to ensure an UK IBAN is correct.

• First validation is done using the IBAN's Check Digits using the MOD97 algorithm.
• Second layer of validation can be carried out on the domestic sort code and account number combination
• Match the sort code against our Bank and Branch code directory to check if it exists

Our software performs mutli-layer validations using the following mechanisms:

• IBAN Check digits
• Domestic SortCode and Account Number Check Digits
• Bank and Branch directory search

IBAN can be calculated from a domestic Sort Code and Account Number combination for the United Kingdom.
Our specialized software will first validate the sort code and account number and then calculate a valid IBAN.

4 letters: Institution Code or bank code	2 letters: ISO 3166-1 country code	2 letters or digits: location code	3 letters or digits: branch code - optional
BARC	GB	22	XXX

BIC codes ( also known as SWIFT codes ) are another identifier used in conjunction with the IBAN payments.
The specific structure for the UK is described in the diagram above.

SEPA is an initiative of the European Union to simplify and unite bank payments within Europe.
Below we have listed the banks and institutions which support SEPA transfers and their specific markers.

BIC	BANK	SEPA Credit	SEPA Debit	Core	B2B	SCC
BARCGB22	BARCLAYS BANK PLC	YES	YES	YES	YES	NO
BARCGB21	BARCLAYS BANK PLC UK	YES	NO	NO	NO	NO
LOYDGB21	LLOYDS TSB BANK PLC LONDON	YES	YES	NO	YES	NO
MIDLGB22	HSBC BANK PLC	YES	YES	NO	NO	NO
MIDLGB21	HSBC BANK PLC	YES	NO	NO	NO	NO
NWBKGB2L	NATIONAL WESTMINSTER BANK PLC	YES	YES	NO	NO	NO
ABBYGB2L	SANTANDER UK PLC	YES	NO	NO	NO	NO
HLFXGB21	BANK OF SCOTLAND PLC	YES	NO	NO	NO	NO
LOYDGB2L	LLOYDS BANK PLC	YES	YES	NO	YES	NO
RBOSGB2L	ROYAL BANK OF SCOTLAND PLC	YES	YES	NO	NO	NO
CITIGB2L	CITIBANK N.A.	YES	YES	YES	YES	YES
CHASGB2L	JPMORGAN CHASE BANK N.A.	YES	YES	YES	YES	NO
BOFAGB22	BANK OF AMERICA N.A. LONDON	YES	YES	YES	YES	NO
BOFSGB21	BANK OF SCOTLAND PLC	YES	NO	NO	NO	NO
TSBSGB21	TSB BANK PLC (FORMERLY LLOYDS TSB SCOTLAND PLC)	YES	YES	NO	YES	NO
CPBKGB22	CO-OPERATIVE BANK PLC.	YES	NO	NO	NO	NO
BOFSGBS1	BANK OF SCOTLAND PLC	YES	NO	NO	NO	NO
DEUTGB2L	DEUTSCHE BANK AG	YES	YES	YES	YES	NO
ABNAGB2L	THE ROYAL BANK OF SCOTLAND PLC LONDON (FORMERLY KNOWN AS RBS NV)	YES	YES	YES	YES	NO
BARCGB5G	BARCLAYS BANK PLC WHOLESALE	YES	NO	NO	NO	NO
DABAGB2B	NORTHERN BANK LIMITED (TRADING AS DANSKE BANK)	YES	YES	NO	YES	NO
HANDGB22	SVENSKA HANDELSBANKEN LONDON BRANCH	YES	YES	NO	NO	NO
BOFSGB2S	BANK OF SCOTLAND PLC	YES	NO	NO	NO	NO
PNBPGB2L	WELLS FARGO BANK N.A. LONDON BRANCH	YES	YES	YES	YES	NO
BOFIGB2B	BANK OF IRELAND (UK) PLC	YES	NO	NO	NO	NO
BNPAGB22	BNP PARIBAS LONDON BRANCH	YES	YES	NO	YES	NO
COBAGB2X	COMMERZBANK AG	YES	YES	YES	YES	NO
ULSBGB2B	ULSTER BANK LIMITED	YES	YES	NO	NO	NO
HLFXGB22	HALIFAX (ALL UK RETAIL OFFICES)	YES	NO	NO	NO	NO
CLYDGB2S	CLYDESDALE BANK PLC	YES	NO	NO	NO	NO
BOFSGB2L	BANK OF SCOTLAND PLC	YES	NO	NO	NO	NO
AIBKGB2L	ALLIED IRISH BANK (GB) (AIB GROUP (UK) P.L.C. T/A)	YES	NO	NO	NO	NO
YORKGB22	YORKSHIRE BANK (CLYDESDALE BANK PLC T/A)	YES	NO	NO	NO	NO
ESSEGB2L	SKANDINAVISKA ENSKILDA BANKEN LONDON	YES	YES	YES	YES	NO
CNORGB22	NORTHERN TRUST COMPANY THE	YES	NO	NO	NO	NO
SMCOGB2P	HSBC PRIVATE BANK (UK) LIMITED	YES	NO	NO	NO	NO
NDEAGB2L	NORDEA BANK AB LONDON BRANCH	YES	NO	NO	NO	NO
DNBAGB2L	DNB BANK ASA LONDON BRANCH	YES	NO	NO	NO	NO
DABAGB2L	DANSKE BANK	YES	YES	NO	YES	NO
BBVAGB2L	BANCO BILBAO VIZCAYA ARGENTARIA S.A.	YES	YES	YES	YES	NO
BOTKGB2L	BANK OF TOKYO-MITSUBISHI UFJ LTD. THE	YES	YES	YES	YES	NO
INGBGB22	ING BANK N.V. LONDON BRANCH	YES	NO	NO	NO	NO
IVESGB2L	INVESTEC BANK PLC	YES	NO	NO	NO	NO
CNORGB2X	NORTHERN TRUST GLOBAL SERVICES LIMITED	YES	NO	NO	NO	NO
HOABGB2L	C. HOARE AND CO.	YES	NO	NO	NO	NO
FTBKGB2B	FIRST TRUST BANK	YES	NO	NO	NO	NO
FTSBGB2L	ABN AMRO BANK N.V. UK BRANCH (FORMELY KNOWN AS FORTIS BANK (NEDERLAND)	YES	YES	NO	YES	NO
HYVEGB2L	UNICREDIT BANK AG (HYPOVEREINSBANK)	YES	YES	NO	NO	NO
PARBGB2L	BNP PARIBAS SECURITIES SERVICES UNITED KINGDOM	YES	YES	NO	NO	NO
SVBKGB2L	SILICON VALLEY BANK	YES	NO	NO	NO	NO
CASHGB2L	VOICE COMMERCE LIMITED	YES	NO	NO	NO	NO
CSUKGB2L	CREDIT SUISSE (UK) LIMITED	YES	NO	NO	NO	NO
SOGEGB2L	SOCIETE GENERALE	NO	YES	NO	YES	NO
KREDGB2X	KBC BANK NV LONDON	YES	YES	NO	YES	NO
CRLYGB2L	CREDIT AGRICOLE CIB	YES	YES	NO	YES	NO
MHCBGB2L	MIZUHO BANK LTD. LONDON BRANCH	YES	NO	NO	NO	NO
ALBLGB2L	ALPHA BANK LONDON LIMITED	YES	NO	NO	NO	NO
BCITGB2L	INTESA SANPAOLO SPA LONDON (FORMERLY BANCA INTESA S.P.A. LONDON)	YES	YES	NO	YES	NO
SMBCGB2L	SUMITOMO MITSUI BANKING CORPORATION EUROPE LIMITED	YES	YES	NO	YES	NO
BSABGB2L	BANCO DE SABADELL S.A.	YES	NO	NO	NO	NO
BSCHGB2L	BANCO SANTANDER S.A.	YES	NO	NO	NO	NO
BCYPGB2L	BANK OF CYPRUS UK	YES	NO	NO	NO	NO
ICBKGB2L	ICBC (LONDON) PLC	YES	YES	NO	YES	NO
GEBAGB22	BNP PARIBAS LONDON BRANCH (FORMERLY BNP PARIBAS FORTIS SA/NV)	YES	NO	NO	NO	NO
PUNBGB22	PUNJAB NATIONAL BANK INTERNATIONAL LTD.	YES	NO	NO	NO	NO
SELNGB21	SENTENIAL	YES	YES	NO	NO	NO
ABCEGB2L	ABC INTERNATIONAL BANK PLC	YES	YES	NO	NO	NO
RAPHGB31	R RAPHAELS AND SONS PLC	YES	YES	NO	NO	NO
TSBSGB2S	LLOYDS TSB SCOTLAND EDINBURGH	YES	NO	NO	NO	NO
ARABGB2L	EUROPE ARAB BANK PLC	YES	YES	YES	YES	NO
ICICGB2L	ICICI BANK UK PLC	YES	NO	NO	NO	NO
VRBPGB2L	BANCO POPOLARE	YES	NO	NO	NO	NO
BMARGB2L	BANCA MARCH S.A.	YES	NO	NO	NO	NO
ETHNGB2L	NATIONAL BANK OF GREECE (LONDON)	YES	NO	NO	NO	NO
SWISGB2L	SWISSCANTO FUNDS CENTRE LIMITED	YES	NO	NO	NO	NO
DBUKGB2L	DIAMOND BANK (UK) PLC	YES	NO	NO	NO	NO
JPMGGB2L	JP MORGAN INTERNATIONAL BANK LTD	YES	NO	NO	NO	NO
HLFXGB31	HALIFAX (ALL UK RETAIL OFFICES)	YES	NO	NO	NO	NO

Official currency and exchange rate information is updated daily from the European Central Bank. Currency: GBP (Pound sterling)
Name: British Pound
Symbol: £ penny: p
Minor Unit:1/100 = penny

ECB Exchange rates at 2025-11-14 14:57:35

	EUR	USD	CHF	CAD	AUD	JPY	HKD
1 GBP	1.1305	1.3168	1.0383	1.8461	2.0175	202.6000	10.2325

Below you can find the most popular sort code records from our UK Sort Code Directory.

Sort Code	Bank	City	ZIP	Phone
070093	NATIONWIDE BUILDING SOCIETY	Swindon L	SN38 1NW	0800 302011
070116	NATIONWIDE BUILDING SOCIETY	Swindon L	SN38 1NW	0800 302011
070246	NATIONWIDE BUILDING SOCIETY	SWINDON	SN38 1NW	0800 302011
070436	NATIONWIDE BUILDING SOCIETY	Swindon	SN38 1NW	0800 302011
074456	NATIONWIDE BUILDING SOCIETY	Swindon L	SN38 1NW	0800 302011
083210	CITIBANK NA	London	E14 5LB	020 75005000
086064	VIRGIN MONEY PLC	Gosforth	NE3 4PL	0845 6008401
087199	APS FINANCIAL LTD	LONDON	EC3P 3WR	0207 1005850
089249	THE CO-OPERATIVE BANK PLC	Manchester	M60 1GP	0845 7212212
089286	THE CO-OPERATIVE BANK PLC	Skelmersdale	WN8 6GF	08457 212212
089300	THE CO-OPERATIVE BANK PLC	Manchester	M60 1GP	0845 7212212
090126	Santander UK plc	MERSEYSIDE	L30 4UA	0870 6000125
090127	Santander UK plc	MERSEYSIDE	L30 4UA	0870 6000125
090128	Santander UK plc	MERSEYSIDE	L30 4UA	0870 6000125
090132	Santander UK plc	MERSEYSIDE	L30 4UA
090133	Santander UK plc	MERSEYSIDE	L30 4UA
090134	Santander UK plc	MERSEYSIDE	L30 4UA
090135	Santander UK plc	MERSEYSIDE	L30 4UA
090136	Santander UK plc	MERSEYSIDE	L30 4UA
090222	Santander UK plc	MERSEYSIDE	L30 4UA	0870 6000125
090666	Santander UK plc	MERSEYSIDE	L30 4UA	0845 6070666
110001	HALIFAX (A TRADING NAME OF BANK OFSCOTLAND PLC)	Leeds	LS1 9GG	0345 7394959
111425	HALIFAX (A TRADING NAME OF BANK OFSCOTLAND PLC)	Leeds	LS1 9GG	0345 7394959
161623	THE ROYAL BANK OF SCOTLAND PLC	Bolton	BL6 4YU	0345 3660640
180002	COUTTS & CO	London	WC2R 0QS	020 77531000
185008	CITIBANK NA	London	E14 5LB	020 75005000
200000	BARCLAYS BANK PLC	Leicester	LE87 2BB	0345 7345345
200415	BARCLAYS BANK PLC	Northampton	NN4 7SG	01604 234234
202963	BARCLAYS BANK PLC	Leicester	LE87 2BB	0345 7345345
205101	BARCLAYS BANK PLC	Leicester	LE87 2BB	0345 7345345
207094	BARCLAYS BANK PLC	Leicester	LE87 2BB	0345 7345345
230580	METRO BANK PLC	London	WC1B 5HA	0345 0808500
231884	SPECTRUM PAYMENT SERVICES LTD  T/ACARDONEBANKING	CHESTER	CH4 9EP	01244 572300
300002	LLOYDS BANK PLC	Gillingham	ME8 0LS	0345 9825323
301599	LLOYDS BANK PLC	Gillingham	ME8 0LS	020 77752797
400250	HSBC BANK PLC	London	SE1 9DZ	0845 6064321
400515	HSBC BANK PLC		EC3M 4BA
400530	HSBC BANK PLC	London	EC4N 4TR
401255	HSBC BANK PLC	Chester	CH99 9FB	01244 686076
405162	SVENSKA HANDELSBANKEN AB (PUBL)	London	E1W 1WY	020 75788000
406301	COVENTRY BUILDING SOCIETY	Coventry	CV1 5QN	02476 839209
560029	NATIONAL WESTMINSTER BANK PLC	Chatham	ME4 4RT	0870 2403355
600001	NATIONAL WESTMINSTER BANK PLC	Chatham	ME4 4RT	0870 2403355
623053	NATIONAL WESTMINSTER BANK PLC	Bolton	BL1 8FH	0845 3088935
772026	LLOYDS BANK PLC	Chelmsford	CM1 1JS	0345 3000000
835000	THE ROYAL BANK OF SCOTLAND PLC	Greenock	PA15 1EF	0131 3126790

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Information about the following payment schemes operating in the UK:

Bacs Payment Schemes Limited
Bacs is the scheme responsible for the payment system that enables electronic transfer of funds directly to a specified bank account (Direct Credit) and the collection of pre-authorized debits on a payer’s bank account (Direct Debit).

The Belfast Bankers’ Clearing Company Limited (BBCCL)
BBCCL is the scheme responsible for the oversight of the systems used for processing of cheques and other paper instruments in Northern Ireland.

CHAPS Clearing Company Limited
CHAPS Co is the scheme responsible for the CHAPS payment system that enables real-time, high-value sterling payments where payments are settled over the Bank of England’s Real Time Gross Settlement (RTGS) system.

Cheque and Credit Clearing Company (C&CCC)
C&CCC is the scheme responsible for managing the processing of checks and other paper payment instruments in England, Scotland and Wales.

Faster Payments Scheme Limited
Faster Payments enables electronic real-time payments via Internet, telephone and mobile banking applications, as well as standing orders.

LINK Scheme
LINK is the scheme responsible for end-users’ access to cash (amongst other activities) via the UK’s ATM network.

Date	Day	Holiday	Countries
1 Jan	Fri	New Year's Day	National
4 Jan	Mon	2nd January	Scotland
17 Mar	Thu	St Patrick's Day	Northern Ireland
25 Mar	Fri	Good Friday	National
28 Mar	Mon	Easter Monday	National except Scotland
2 May	Mon	Early May Bank Holiday	National
30 May	Mon	Spring Bank Holiday	National
12 Jul	Tue	Battle of the Boyne (Orangemen's Day)	Northern Ireland
1 Aug	Mon	Summer Bank Holiday	Scotland
29 Aug	Mon	Summer Bank Holiday	National except Scotland
30 Nov	Wed	St. Andrew's Day	Scotland
25 Dec	Sun	Christmas Day	National
26 Dec	Mon	Boxing Day	National
27 Dec	Tue	Christmas Day	National (Substitute Day)

Bank of England	www.bankofengland.co.uk
Payments Council	www.paymentscouncil.org.uk
UK Payments Administration	www.ukpayments.org.uk
VocaLink	www.vocalink.com
Bacs	www.bacs.co.uk
CHAPS Co	www.chapsco.co.uk
Cheque & Credit Clearing Company (C&CCC)	www.chequeandcredit.co.uk
Faster Payments Scheme Limited (FPSL)	www.fasterpayments.org.uk