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IBAN and BIC/SWIFT Calculator

Reviewed by BS César Delgado

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  • IBAN:

These results can be used to contrast official sources, but never to replace them. We recommend you get in touch with your trusted bank before making any kind of international transaction.

Table of Contents

How to use the IBAN and BIC/SWIFT code calculator

If you want to use our online simulator, just enter your regular account number (CCC), pay attention to write it correctly, and click on "Calculate".

We do not store any of the data entered, so you should know that the tool is private and secure.

If you want to know more about this nomenclature, we advise you to continue reading. Remember that international transactions are not especially easy, so it is advisable to pay certain attention.

What is BIC/SWIFT and how is it calculated?

To carry out banking operations abroad, it would be best to consult directly with your bank, however, there are also other methods to obtain it online.

Among the different banking codes that may be useful in your day-to-day, there is undoubtedly the BIC, whose main function is linked to international transfers as it is the reference of a bank to a creditor.

In English, it is known as Identifier Code, although it is also known as SWIFT, because the entity in charge of managing it is the Societe for Worldwide Interbank Financial Telecommunication.

The SWIFT can be found in almost all banks and is created following the ISO 9362 usage standards, which in turn is made up of between 8 and 11 alphanumeric characters (the last 3 are optional):

  • Entity code: is represented by the first 4 digits of the BIC/SWIFT code and serves to identify the bank.
  • Country code: is found in the fifth and sixth digit of the code, and is used to identify the country of the bank. For Spain, the code ES is used.
  • Location code: the seventh and eighth number represents the city of the banking entity. The most common is Madrid (MM) or Barcelona (BB).
  • Branch code: the last three digits serve to identify a specific branch of the financial entity. These three numbers are optional, if they do not appear in the code, it is understood to represent the main office of the entity.

Difference between BIC/SWIFT and IBAN

BIC and IBAN differ in that, while the former identifies a specific entity, the latter shows information about a specific account belonging to a banking entity, without it being evident the place where it is located.

What it is used for and how to obtain it

The BIC, in addition to the IBAN, will be needed by any user who must pay another user who has accounts abroad.

The first thing you should know, is that you will be able to find it on the main page of your current account. But if, on the other hand, you are looking for the BIC code of the bank account to which you must make the transfer, and the recipient has not provided it to you, you will need to use another type of technique.

The most immediate option is to try to find it on the website of the bank to which you have to make the transfer, bearing in mind that if the page is referred to in a different language you can always use the translator.

Another option is to try to find it on the official BIC/SWIFT codes site where you will find a search engine, write there the name of the bank you are looking for.

There are more alternative sites, but the quickest way to navigate through all of them consists of using the tool to calculate the IBAN and the SWIFT or BIC code since it will search among all the results to throw you the one of the bank you are looking for.


When using the sites we have suggested, we recommend you to check a couple of times if the obtained code is correct.

Similarly, pay close attention when entering it when making the transfer, a last-minute error, after such a long process, could be fatal and in the best case, you would need to start the process again.

If you want to speed up the process of searching for the BIC digits, check several times among the web results to make sure you are identifying the correct code.

This is fundamentally what you need to know to find the BIC of any bank, we hope this post has been useful to you and you have been able to find the information you were looking for.

If you have reached this point with a good taste in your mouth, do not forget to share this tool on your social networks, in that way your contacts will also be able to know this community of free calculators and simulators.

Finally, we would be very grateful if you could communicate to us through the contact page, any eventual errors you may find both in the calculator, to be able to solve them as soon as possible.

BS César Delgado
Bachelor of Economics from the UC and Master in Business Administration from the SAEJEE.
César Delgado holds a Bachelor's degree in Economics from the University of Car... Read more »

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