How long is a Swedish IBAN?

Exactly 24 characters. The structure is SE, two check digits, a 3-digit clearing code, and a 17-digit account number. Anything shorter or longer is invalid.

What is the clearing number in a Swedish IBAN?

The clearing number identifies the bank and is the first 3 digits of the BBAN. Note that Swedish domestic clearing numbers are often 4 or 5 digits, but only the leading bank portion is encoded in the IBAN.

How does the MOD-97 check work?

The first four characters are moved to the end, each letter is replaced by a number (A=10 to Z=35), and the result is divided by 97. The remainder must equal 1 for the IBAN to be structurally valid.

Does a valid result mean the account exists?

No. MOD-97 catches typos and transposed digits but cannot confirm the account is real or open. Only the bank can confirm that.

Is my IBAN sent anywhere?

No. All validation runs locally in JavaScript. Nothing is uploaded, logged, or stored, and the tool works offline once loaded.

Sweden IBAN Validator

Swedish IBANs follow a 24-character layout defined by the SWIFT IBAN Registry under ISO 13616. Because Sweden also uses domestic clearing numbers and Bankgiro/Plusgiro references, it is easy to paste the wrong identifier into a cross-border transfer. This validator confirms the structure instantly, entirely in your browser.

How it works

A Swedish IBAN always begins with SE, followed by two check digits, a three-digit clearing (bank) code, and a seventeen-digit account number:

SE  kk  bbb  aaaaaaaaaaaaaaaaa
^   ^   ^    account number (17 digits)
|   |   clearing / bank code (3 digits)
|   check digits (2)
country code

The validator runs three checks: the length must be exactly 24; the 20-digit BBAN must be all digits; and the ISO 7064 MOD-97-10 checksum must pass. For the checksum the first four characters (SEkk) are moved to the end, every letter is replaced by its numeric code, and the resulting long integer must leave a remainder of 1 when divided by 97. The computation is folded digit-by-digit to avoid any need for big-integer libraries.

Worked example

Take SE45 5000 0000 0583 9825 7466: country code SE, check digits 45, clearing 500, account 00000583982574 66. Rearranging the IBAN and dividing by 97 leaves a remainder of 1, so the checksum passes.

Tips

The last digit of the Swedish account number is a national check digit, so a typo there will also break the IBAN-level MOD-97 check. If your number looks like a Bankgiro (7-8 digits) or Plusgiro reference, it is not an IBAN account number. Every figure is processed locally and never uploaded.