Empfängerkontonummern

Empfängerkontonummern, often referred to as IBANs (International Bank Account Numbers), are standardized account identifiers used for international and many domestic electronic fund transfers. An IBAN consists of a country code, a check digit, and the domestic bank account number. The primary purpose of the IBAN is to facilitate the processing of cross-border transactions, reducing errors and speeding up transfers.

The structure of an IBAN ensures that each account can be uniquely identified across different countries. The initial country code, a two-letter ISO 3166-1 alpha-2 code, signifies the nation where the bank account is held. This is followed by two check digits, which are used for validation purposes to detect errors during data entry or transmission. The remaining characters constitute the domestic bank account number, which varies in length and format depending on the country's banking system.

In many European countries, IBANs have become the mandatory format for all bank transfers, replacing older national account number systems. This standardization simplifies and secures the process of sending and receiving money internationally. For individuals and businesses conducting cross-border financial activities, providing the correct Empfängerkontonummer is crucial for successful and timely transactions. Financial institutions use IBANs to route payments accurately and efficiently.