Finland IBAN

Anatomy of the official example

FI2112345600000785

• Country code
• Check digits
• Bank code
• Account number

The example comes from the ISO 13616 registry; it belongs to nobody. Positions count from the first character of the IBAN.

What the API checks on a Finland IBAN

• The length, the charset of every field and the mod-97 check digits.
• The bank code against our composite map assembled from BIC directories: a BIC and a bank name when they are listed, without the weight of a national register.
• The country's SEPA reachability and the open schemes (SCT, SDD, SCT Inst).
• The Verification of Payee duty that does, or does not, bind the country's providers.

What the API answers for this code

The block below is the route's own answer, produced by the same code that serves api.ibanforge.com, on the register as of the date shown. Nothing is edited.

{
  "valid": true,
  "country": {
    "code": "FI",
    "name": "Finland"
  },
  "bic": {
    "code": "NDEAFIHHXXX",
    "bic8": "NDEAFIHH",
    "bank_name": "Nordea Bank Abp",
    "city": "Helsinki",
    "source": "IBANforge curated bank-code map",
    "as_of": "2026-09",
    "basis": "curated_map",
    "authoritative": false,
    "lei": "529900ODI3047E2LIV03"
  },
  "bank_code_check": {
    "value": "1",
    "status": "verified",
    "match": "register",
    "register": "Finance Finland monetary institution codes (allocated to banking groups, not individual institutions; transcribed list, a miss is not a denial)",
    "authoritative": false,
    "as_of": "2025-10",
    "institution": {
      "name": "Nordea Bank",
      "street": null,
      "post_code": null,
      "town": null,
      "country": "FI"
    }
  },
  "sepa": {
    "member": true,
    "schemes": [
      "SCT",
      "SDD",
      "SCT_INST"
    ],
    "vop_required": true,
    "vop_participant": true,
    "basis": "epc_register"
  },
  "issuer": {
    "type": "bank",
    "name": "Nordea Bank Abp",
    "classification": "default"
  },
  "risk_indicators": {
    "country_risk": "standard",
    "sepa_reachable": true,
    "vop_coverage": true,
    "test_bic": false
  }
}