Netherlands IBAN at a Glance
| Country | Netherlands (NL) |
| Length | 18 characters |
| Structure (after NL + check digits) | 4a bank, 10n account |
| Example IBAN | NL91 ABNA 0417 1643 00 |
| SEPA member | Yes |
The example above is the published ISO registry sample for Netherlands. It passes checksum validation but is not a real account.
How to Read a Netherlands IBAN
Every IBAN starts the same way: the first two letters are the country code (NL) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Netherlands's domestic account format: 4a bank, 10n account.
For an international transfer to Netherlands you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in Netherlands for free. Timing matters too: transfers do not settle on Netherlands bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a Netherlands IBAN?
Netherlands IBANs are exactly 18 characters long, starting with NL followed by 2 check digits.
Is Netherlands part of SEPA?
Yes, Netherlands participates in SEPA (Single Euro Payments Area), so euro transfers to and from other SEPA countries are fast and low-cost.
Can I validate a Netherlands 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 a Netherlands IBAN?
After the country code and check digits, a Netherlands IBAN contains: 4a bank, 10n account.