1. Normalize the input
Spaces are removed and the representation is normalized.
🇫🇮 IBAN COUNTRY PROFILE · Finland
Check an IBAN from Finland and understand its structure
An IBAN for Finland always contains 18 characters. After FI and two IBAN check digits, the national BBAN contains 3-character bank identifier, 10-character account part and 1-character national check digit. IBAN-Test can additionally compare the bank identifier with the available bank directory for Finland.
18 charactersFixed total length
14 charactersNational BBAN
FIISO country code
Structure of an IBAN from Finland
The reference example FI21 1234 5600 0007 85 shows the country-specific components. It is provided for explanation only and is not a request to make a payment.
FI 21 123 4560000078 5
FICountry code
21IBAN check digits
123Bank identifier
4560000078Account part
5National check digit
| Position | Length | Component | Format |
|---|---|---|---|
| 1–2 | 2 | Country code | Letters: FI |
| 3–4 | 2 | IBAN check digits | Digits |
| 5–7 | 3 | Bank identifier | Digits |
| 8–17 | 10 | Account part | Digits |
| 18–18 | 1 | National check digit | Digits |
Validate an IBAN for Finland
This validator accepts only IBANs from the selected country.
What IBAN-Test validates for Finland
Validation covers normalization, country assignment, the fixed 18-character length, the country-specific segment structure and MOD-97. Account ownership and real-time account existence are not checked.
2. Country and structure
FI, the length and the segment sequence are checked.
3. MOD-97
The international checksum catches many typing errors.
4. Available depth
The bank identifier is compared with the available directory.
| Validation step | Available | Details |
|---|---|---|
| Country, length and structure | Yes | FI, 18 characters; 3-character bank identifier, 10-character account part and 1-character national check digit. |
| MOD-97 checksum | Yes | Mathematical IBAN validation. |
| Known bank identifier | Yes | Compared with the available bank directory for Finland. |
| National account check | No | No additional national account check method. |
| Bank details and BIC | When available | Returned from the available bank directory. |
| IBAN name check | No | No comparison between an account holder’s name and the IBAN. |
| Account existence | No | No request is sent to the account-holding institution. |
Validate an IBAN from Finland via API
The same validation is available through the REST API. The IBAN is sent in the request and is not placed in a public, indexable URL.
curl --get 'https://www.iban-test.eu/api/v2/iban/validate' \
--header 'Authorization: Bearer YOUR_API_TOKEN' \
--data-urlencode 'iban=FI21 1234 5600 0007 85'When available, the response can include bank details from the country-specific directory.
Generate an IBAN for Finland
The generator accepts up to 6 characters for bankcode and 8 characters for accountnumber. It then calculates the IBAN check digits and validates the result.
curl --get 'https://www.iban-test.eu/api/v2/iban/generate' \
--header 'Authorization: Bearer YOUR_API_TOKEN' \
--data-urlencode 'countrycode=FI' \
--data-urlencode 'bankcode=123456' \
--data-urlencode 'accountnumber=00000785'What a valid IBAN from Finland does not prove
Formal validity is a strong signal against input errors, but it is not real-time confirmation of an account.
No existence confirmation
The account may be closed or unreachable.
No account-holder match
A person or company name is not compared with the IBAN.
No payment guarantee
A valid IBAN does not guarantee that a payment will be accepted.
Bank data can change
Results depend on the bank directory currently available to IBAN-Test.
Privacy: The input is transmitted only for validation and is not placed in the page URL.