What format does a Swedish IBAN use?

A Swedish IBAN is always exactly 24 characters long. It begins with the country code SE, followed by 2 check digits computed using ISO 7064 MOD-97-10, then a 4-digit clearing number (the bank branch identifier) and a 12-digit account number right-padded with zeros. Example -- SE45 5000 0000 0583 9825 7466.

How does the ISO 7064 MOD-97-10 checksum work?

The algorithm rearranges the IBAN by moving the first four characters (country code + check digits) to the end, expands each letter to its two-digit code (A=10, B=11 ... Z=35), then divides the resulting large number by 97. The IBAN is valid only if the remainder is exactly 1. Because the number can be hundreds of digits long, the tool computes mod-97 progressively by folding one digit at a time -- this avoids any floating-point overflow and runs entirely in the browser.

What is the clearing number in a Swedish bank account?

The clearing number (clearingnummer) is the four-digit code occupying positions 5-8 of the IBAN (or positions 1-4 of the BBAN). It identifies the specific bank and, historically, the branch. Bankgirot maintains the official clearing register. Well-known ranges include 5000-5999 for SEB, 6000-6999 for Handelsbanken, and 7000-8999 for Swedbank. This tool maps clearing numbers to bank names using the publicly documented Bankgirot ranges.

Does a passing validation mean the account exists?

No. Structural validation only confirms that the IBAN is correctly formatted -- the right length, an all-numeric BBAN, and a passing ISO 7064 checksum. It cannot confirm whether the account is open, active or belongs to a particular person. To verify account ownership you need to use Bankgirot's verification service or contact the issuing bank directly.

Can I validate IBANs from other countries here?

This tool is specialised for Swedish IBANs (SE prefix). If your IBAN starts with any other country code the tool will tell you immediately. For multi-country IBAN validation, use the general IBAN Validator which covers all 77 countries in the SWIFT registry.

Is my bank account data private?

Completely. The validator runs 100% in your browser using JavaScript. No IBAN, no clearing number, no account number -- nothing is ever sent to a server, stored in a database or logged. You can use it safely on confidential or corporate account details.

Swedish IBAN Validator

Swedish IBANs follow a tightly specified 24-character structure governed by ISO 13616 and verified with the ISO 7064 MOD-97-10 checksum algorithm. Whether you are setting up a SEPA transfer, onboarding a Swedish supplier, or reconciling a bank statement, a single transposed digit will silently cause a payment to fail or bounce — often with a 1-3 business day delay and a return fee. This validator catches every structural error before you submit anything.

Paste or type any IBAN beginning with SE and the tool instantly checks three things in parallel: the length (exactly 24 characters), the BBAN composition (all digits, no letters), and the ISO 7064 MOD-97-10 checksum. It also extracts the clearing number — the four digits that identify the issuing bank — and maps it to a bank name using the publicly documented Bankgirot clearing registry. You get the formatted IBAN (grouped in blocks of four, e.g. SE45 5000 0000 0583 9825 7466) with a one-click copy button.

How it works

A Swedish IBAN is built from four parts joined end to end:

Country code — the fixed two-letter code SE
Check digits — two digits computed so that, when the whole IBAN is rearranged and divided by 97, the remainder equals exactly 1
Clearing number — four digits identifying the bank (positions 5-8)
Account number — twelve digits, right-padded with zeros where the underlying account number is shorter (positions 9-24)

The MOD-97 algorithm works like this: move the first four characters (SE + check digits) to the end of the string, then replace every letter with its numeric code (A becomes 10, B becomes 11, up to Z which becomes 35). The resulting numeric string — up to 32 digits long for some countries — is divided by 97. The IBAN is valid if and only if the remainder is 1. Because the number is too large for direct integer arithmetic in most environments, the tool computes the modulus progressively, folding one digit at a time, so the running value never exceeds a safe JavaScript integer.

The clearing-number lookup covers the full Bankgirot registry: Nordea (1100-4999), SEB (5000-5999), Handelsbanken (6000-6999), Swedbank and the savings banks (7000-8999), and the many specialist institutions in the 9000-range such as Klarna Bank (9720-9729), Avanza Bank (9550-9569), Nordnet (9960-9969) and others.

Worked example

Suppose you receive a Swedish IBAN SE45 5000 0000 0583 9825 7466 from a supplier.

Strip spaces → SE4550000000058398257466
Length check → 24 characters. Pass.
BBAN digits-only check → characters 5-24 are 50000000058398257466. All digits. Pass.
Rearrange → move SE45 to the end: 50000000058398257466SE45
Expand letters → S=28, E=14 → 500000000583982574662814 45 Full numeric string: 5000000005839825746628 1445
Compute mod 97 progressively → remainder is 1. Pass.
Clearing number 5000 → maps to SEB.

All three checks pass, so the IBAN is structurally valid. The formatted output SE45 5000 0000 0583 9825 7466 is ready to copy.

Check	Result	Why it matters
Length	24 / 24	Wrong length always fails MOD-97 and is rejected by banks
BBAN numeric	All digits	Swedish BBANs never contain letters
MOD-97 remainder	1	Single transposed or missing digit will change the remainder
Clearing number	5000 (SEB)	Confirms the bank segment is a known institution

Every calculation runs locally. Nothing is uploaded, transmitted or logged.