Estonia IBAN at a Glance
| Country | Estonia (EE) |
| Length | 20 characters |
| Structure (after EE + check digits) | 2n bank, 14n account/check |
| Example IBAN | EE38 2200 2210 2014 5685 |
| SEPA member | Yes |
The example above is the published ISO registry sample for Estonia. It passes checksum validation but is not a real account.
How to Read an Estonia IBAN
Every IBAN starts the same way: the first two letters are the country code (EE) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Estonia's domestic account format: 2n bank, 14n account/check.
For an international transfer to Estonia you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in Estonia for free. Timing matters too: transfers do not settle on Estonia bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is an Estonia IBAN?
Estonia IBANs are exactly 20 characters long, starting with EE followed by 2 check digits.
Is Estonia part of SEPA?
Yes, Estonia participates in SEPA (Single Euro Payments Area), so euro transfers to and from other SEPA countries are fast and low-cost.
Can I validate an Estonia IBAN without sending it anywhere?
Yes, use the checker above. Validation runs in your browser using the ISO 7064 mod-97 algorithm, the IBAN never leaves your device.
What is the structure of an Estonia IBAN?
After the country code and check digits, an Estonia IBAN contains: 2n bank, 14n account/check.