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IBAN format of Finland: 18 characters, starts with FI

An IBAN of Finland is 18 characters long and begins with FI. Here is what each part means, a made-up example, and how to check one.

Made-up example (not a real account)

FI55 1234 5678 9012 34

  • FICountry
  • 55Check digits
  • 123Bank code
  • 4567890123Account number
  • 4National check digits
Length
18 characters
Starts with
FI
After the check digits
3 digits, then 11 digits
Single Euro Payments Area (SEPA)
Yes
Layout code in the registry
FI2!n3!n11!n

Part by part

PositionPartMade ofIn the example
1 to 2Country code2 capital letters: FIFI
3 to 4IBAN check digits2 digits55
5 to 7Bank code3 digits123
8 to 17Account number10 digits4567890123
18National check digits1 digit4

The parts with a name here are: Bank code, account number, national check digits. The bank decides the bank code and the account number; you never have to work them out yourself. The layout code FI2!n3!n11!n is how the registry writes this: a number, then n for digits, a for capital letters or c for letters or digits.

How to check an IBAN of Finland

  1. Count the characters without spaces. There must be exactly 18.
  2. The first two must be FI, and the next two must be digits.
  3. After those four, the rest must follow the layout: 3 digits, then 11 digits.
  4. Run the check-digit test. The IBAN checker does all four steps for you and shows which one fails.

Writing it down

On paper, an IBAN is written in groups of four characters with spaces, as in the example above, so that it is easier to read and compare. In online banking and in files it is entered without spaces. Both forms are the same IBAN. Letters are always capitals.

Also used in

The same FI layout, with the same FI country code, is used for accounts in: Aland Islands.

How it compares

At 18 characters, it sits between the shortest IBAN in the registry (Norway, 15 characters) and the longest (Russia, 33 characters). The same length is used by Denmark, Falkland Islands, Faroe Islands, Greenland, Netherlands, Sudan, each with its own layout. After the country code it has digits only.

Common questions

How many characters does an IBAN of Finland have?

An IBAN of Finland always has 18 characters: the letters FI, two check digits and 14 more characters for the bank and the account.

What does an IBAN of Finland start with?

It starts with FI, the country code, followed by two check digits.

Is Finland in SEPA?

Yes. Finland is part of the Single Euro Payments Area, so euro transfers to and from it use the IBAN.

Layout checked in November 2026 against the SWIFT IBAN Registry data. The example is made up. For a payment, use only the IBAN given by the account holder or the bank, and check with the bank if in doubt.

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