IBAN, which stands for International Bank Account Number, generates a special code unique to the customer account and it designates only that account.


    IBAN (International Bank Account Number) is a format of account number introduced by the European Union in order to standardise bank account numbers internationally. In the future, a wide-spread adoption of IBAN would be possible not only in the European Union but also in countries outside the European Union.

    In its simplest sense, IBAN is a special code unique to the customer account and it designates only that account. An IBAN is created for each of the bank account number separately. In this sense, it should not be confused with the Citizenship Number. In other words, IBAN numbers of the account holders in each bank are different.  Each account has an IBAN unique to that account. IBAN numbers must be created according to ISO 13616 standards.

    IBAN stands for International Bank Account Number. It has been implemented by the member states of European Economic Area (EEA) and started to be implemented in Turkey since 2008. Each account in our Bank has also a corresponding IBAN number. As of January 1st 2010, International Bank Account Number (IBAN) has become mandatory not only for our accounts but also for the money transfers to be made from our accounts to the accounts of other people. For example; you have an account with TEB Karaköy Branch and its number is 888888. The IBAN number of this account is TR610003200013900000888888 and you have to know IBAN number of the other account in cases when you make a transfer from this account to another TEB account or to an account with another bank. As of January 1st 2010, you have to present IBAN number of your landlord’s account with other bank when you make your rental payment from your account to your landlord’s account with other bank. IBAN is not an implementation specific to our Bank but a mandatory implementation for all the Banks in Turkey.  Based on this example, you should present us IBAN number of the counterparty of your regular payment/quick EFT and collective payment instructions given from your accounts with our Bank to the accounts with other banks which is of significant importance for a smooth and quicker execution of your transfers. Such information is not necessary for the internal transfers (virement/remittance) to be made between the accounts within our Bank since both of these accounts are with our Bank and IBAN numbers of these accounts exist in our Bank’s systems.

    IBAN also becomes Mandatory for Regular Payments and Forward-Dated EFT Instructions!

    Effective from 1 July 2010, use of IBAN has become mandatory also for the regular payments and forward-dated EFT instructions. If you have not yet presented IBAN of the beneficiary of your regular payments and forward-dated EFT instructions; you can present and update it through TEB Internet Branch or 0850 200 0 666 TEB Telephone Banking Branch.

    Please click here to update from TEB Internet Branch directly

    Use of IBAN in Turkey

    In 2005, after the publication of IBAN standards, a study group formed under the roof of Banks Association of Turkey by the leadership of Central Bank of Turkey has started its works regarding the implementation of these standards and Central Bank of Turkey has published a communiqué in this respect (Communiqué on International Bank Account Number No: 2008/6 - published in the Official Gazette No.27020 dated October 10, 2008). With this communiqué, a gradual transition period has been planned in terms of the useof IBAN.

    According to this;  

    • Effective from 10.10.2008; Banks must generate IBAN for each bank account of their customer and communicate them to the account holders.
    • Effective from 01.01.2009;
      • Banks, in their current applications, must present IBAN on all the documents containing account numbers which are prepared for their customers,
      • Customers, on the other hand, must present the recipient’s IBAN to their banks for the cross-border money transfers that are made to any account in the countries within the European Economic Area; and the banks must validate and use that IBAN.
    • Effective from 01.01.2010; it is mandatory to use IBAN for the money transfers, except for the transfers which;
      • the Banks make on their own names and accounts,
      • are made to credit card number,
      • the customer has a written declaration indicating that the benefiary’s IBAN is not notified.

    Banks will validate IBAN for the incoming domestic and cross-border money transfers where the beneficiary's account number is specified as IBAN and will also use IBAN numbers of the sender and the receiver for the outgoing money transfers.

    • Effective from 01.07.2010; For future-dated transfers where the customers send funds to any account in countries within the European Economic Area; the money transfer application made upon the customer’s declaration indicating that he/she does not know the recipient’s IBAN has been ended. Effective from this date, customers are obliged to present and use the recipient’s IBAN for future-dated fund transfers that they sent to any account in countries within the European Economic Area.
    The IBAN Calculator given in /hesap-makinesi/iban-hesaplama.aspx should be added. 
    How can you find out your IBAN number?

    You can find out your IBAN number with our Bank from;

    • IBAN Calculator,
    • TEB Retail Internet Branch,
    • TEB Corporate/ Commercial Internet Branch,
    • 0850 200 0 666 TEB Telephone Branch,
    • TEB Branch that your account connected with,
    • Your account statements,
    • Your account extracts,
    • Your bank account book.
    How can you inform our Bank about your IBAN number with other banks?

    If you have transfer instructions such as “regular payment”, “quick EFT”, etc. of which you have given from your accounts with our Bank to the accounts with other banks, then you should have also presented IBAN numbers of these accounts with other banks to our Bank.

    For presenting the IBAN number of the account with other Bank, you can;

    • call 0850 200 0 666 TEB Telephone Banking Branch,
    • go to our Branches,
    • visit TEB Personal Internet Branch or TEB Corporate/Commercial Internet Branch.
    How the Structure of IBAN is created?

    IBAN is composed of maximum 34 digits. The first four are the two-digit country code and the two-digit control number. The control number indicates whether the IBAN is correct and valid. The following part of IBAN includes the national bank account number. Each IBAN designates only one account. This part can be determined by each country freely on condition that the total length of IBAN shall not exceed 34 digits. The IBAN length for our country has been set as 26 digits.

    The IBAN to be given to the customers by the banks designates only one account and consists of 26 alphanumeric characters. The sequence of the characters is made from left to right based on following principles.

    Number of Characters

    Type of Characters



    Alpha Characters (A-Z)

    Country Code


    Numeric Characters (0-9)

    IBAN Check Digits


    Numeric Characters (0-9)

    Bank Code


    Numeric Characters (0-9)

    Reserved Field


    Alphanumeric Characters

    Account Number

    • The IBAN shall not contain the letters “İ,Ç,Ğ,Ö,Ş,Ü” and lower case letters.
    • The country code of Turkey is “TR” according to ISO 3166.
    • Bank codes are determined and announced by the Central Bank of the Republic of Turkey.
    • There is no standard format for the bank account number. However, the 16 digits determined as the bank account number must be right aligned and, if any, the blank spaces on its left must be filled with zeros.
    • The Reserved Field is zero for all account numbers.
    • Banks must generate an IBAN for each customer account which is subject to money transfer and communicate the generated IBAN to the owner of the account.
    • Banks must indicate IBAN, that is generated for their customers, on each document related to the accounts which are subject to written and electronic form of money transfer and which are required to include account number,
    • In the electronic form, the usage format of IBAN is composed of adjoining characters. There are no separators or blank spaces between characters.
    • On written documents, the IBAN is shown in groups of 4 characters starting from left and separated by blank spaces.

    An example on how the IBAN number is created:

    The IBAN number of the account number 888888 of our customer with TEB Karaköy Branch is TR610003200013900000888888. When we examine the IBAN closely;

    • "TR" – stands for the country code.
    • "61" – are the check digits.
    • "00032" – is the Bank’s EFT code.
    • "0" – is for the Reserve Field.
    • "0013900000888888" – stands for the account number (The account number “888888” with TEB Karaköy Branch becomes “0013900000888888” in the IBAN code. Bank Account Number in IBAN is a 16-digit number and our account number with the Branch was a 6-digit number. This 6-digit number of our account with the Branch is moved to the end of 16-digit bank account number of IBAN and “0” [zero] is inserted to the field of remaning 10-digit).
    Presentation Format of IBAN

    The IBAN has two forms of presentation;

    • Electronic Format
    • Written Representation

    If IBAN is to be processed or maintained in an electronic environment (for example; making an IBAN entry to a computer or a screen), all letters and numbers must be in the form of a continuous string of characters, without blank spaces or separators (parenthesis, comma, dash, etc.). This form of presentation is called “electronic format”.

    The Electronic Format of IBAN


    When the IBAN is printed on paper, it is called “written representation” and in this form of presentation it is written from left to right in groups of four digits separated with spaces. After the numbers are written in groups of four digits and if some numbers are remained at the end part, the remaining numbers are also written contiguously.

    The Written Representation of IBAN

    TR61 0003 2000 1390 0000 8888 88

    Validation of IBAN

    The IBAN validation is an application that verifies whether IBAN is generated in accordance with the international ISO 13616 standards.  When a customer who wants to wire money to another country or a bank presents the beneficary’s IBAN to the sending Bank, the sending Bank performs a validity check of the beneficary’s IBAN before executing the money transfer.  If IBAN is not correct, then money is not wired to the counter bank and thus, a wrong transaction is averted. The IBAN validation executed before the money transfer just indicates that a valid IBAN is presented however it does not match the person and the account number with each other.

    Please click here for more detailed information about IBAN.
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