Tilinumeromallia

Tilinumeromallia is a Finnish term referring to the standard pattern or template used to represent bank account numbers in financial transactions. It functions as a description of how an account identifier is structured in systems that handle payments, reconciliation, and reporting, and it aligns with international practices such as the IBAN standard.

A tilinumeromalli specifies the sequence and boundaries of elements that compose an account identifier. Common components include a country code, check digits, a bank or branch code, and the domestic account number. The exact segmentation and length vary depending on the national or international standard in force and on the arrangements set by banks or payment processors. The model supports validation rules, such as check-digit verification, to reduce entry errors.

In usage, tilinumeromallia guides banks, businesses, and software developers in formatting and exchanging account information. It informs how invoices should present bank details, how automatic payment initiation systems parse data, and how reconciliation processes match payments to accounts. In Finland, tilinumeromalli is tied to the IBAN system for international transactions, while domestic transfers follow the Finnish account formatting defined by banks and payment networks.

Related concepts include IBAN, which standardizes international bank accounts, and viitenumero, the reference number used to identify specific payments within a payment instruction.