Poland IBAN at a Glance
| Country | Poland (PL) |
| Length | 28 characters |
| Structure (after PL + check digits) | 8n bank/branch/check, 16n account |
| Example IBAN | PL61 1090 1014 0000 0712 1981 2874 |
| SEPA member | Yes |
The example above is the published ISO registry sample for Poland. It passes checksum validation but is not a real account.
How to Read a Poland IBAN
Every IBAN starts the same way: the first two letters are the country code (PL) and the next two digits are the mod-97 check digits, computed over the entire number. What follows is Poland's domestic account format: 8n bank/branch/check, 16n account.
For an international transfer to Poland you will typically need this IBAN plus the bank's SWIFT/BIC code. You can browse every SWIFT code in Poland for free. Timing matters too: transfers do not settle on Poland bank holidays, so check the calendar before sending anything urgent.
Frequently Asked Questions
How long is a Poland IBAN?
Poland IBANs are exactly 28 characters long, starting with PL followed by 2 check digits.
Is Poland part of SEPA?
Yes, Poland 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 Poland 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 Poland IBAN?
After the country code and check digits, a Poland IBAN contains: 8n bank/branch/check, 16n account.