FCA registration number 900918. 3S Money Club Limited is registered in England and Wales, Company Number 8574246. Dubai Financial Services Authority (DFSA) with DFSA reference number F007004. CSSF registration number W00000016. 3S Money (Luxembourg) S.A. is registered in Luxembourg, R.C.S number B245715
An IBAN (International Bank Account Number) is a standardised format used to identify individual bank accounts across international borders. Whether sending payments to Europe, receiving funds from a foreign partner, or managing global payroll, the IBAN ensures your transaction safely and efficiently reaches the correct account.
What Is Included in an IBAN Number?
An IBAN consists of a structured string of alphanumeric characters and typically includes:
A two-letter country code (e.g., GB for the United Kingdom)
Two check digits for validation
A Basic Bank Account Number (BBAN) that includes bank and branch information
The exact structure varies by country. For example, an IBAN number in Luxembourg is typically 20 alphanumeric characters long and begins with “LU”.
How do I find out what my IBAN number is?
Here are three easy ways to locate your IBAN:
Check your online banking platform – Most banks and EMIs display your IBAN alongside your account number and sort code.
Bank statements – Paper or PDF statements often include your IBAN number.
Use an IBAN calculator – Many institutions provide tools that let you generate an IBAN from your domestic account number and bank code.
At 3S Money, your local IBAN (e.g., a UK or EU IBAN) will be clearly displayed in your client portal for easy access.
What is an IBAN calculator?
An IBAN calculator is a digital tool that helps you convert your local account information into a valid IBAN format. It typically requires the following inputs:
Country
Bank code (e.g., sort code)
Account number
Once entered, the calculator applies the correct formatting and check digits, returning a valid IBAN number that can be used for incoming or outgoing international payments. While IBAN calculators are helpful for informational purposes, it's always best to confirm your official IBAN through your bank or EMI portal to avoid errors.
Is an IBAN different to a normal bank account?
No, they’re both different ways of referring to the same concept. An IBAN doesn’t replace your bank account number—it adds structure and international context. Think of your basic bank account number (BBAN) as local, and your IBAN as its global equivalent.
The IBAN includes details that identify the:
Country of the account
Financial institution
Branch or location
Individual account reference
This layered information helps ensure accurate routing of funds, especially in high-volume international payment environments.
I’m sending a payment to someone using 3S Money. What information do I need?
To send payments to a recipient using a 3S Money account, you'll need both their IBAN and SWIFT code:
Their IBAN number - identifies the individual bank account you’ll be paying to.
Their SWIFT/BIC code - identifies the specific bank or institution.
Using both ensures your payment reaches the right account.
Open a local UK IBAN for global payments
A UK IBAN is a game-changer for businesses operating in or expanding into England, Scotland, Wales, Northern Ireland, Jersey and the Channel Islands.
It allows you to:
Accept payments in GBP via Faster Payments or CHAPS
Pay UK suppliers and employees with ease
Build local credibility with partners
At 3S Money, we offer UK and EU IBANs to help you manage multi-currency operations efficiently and compliantly.
Get a local NL or LU IBAN for Eurozone payments
Holding local IBANS is vital for businesses operating in or expanding into Europe.
Make and collect EUR payments instantly through the SEPA network via SEPA Instant and SEPA Direct Debit
Make domestic transfers to European partners, suppliers, and employees in 32+ countries
Demonstrate commitment and build confidence with local stakeholders
Set up blocking accounts and pay local tax services
Why Local IBANs matter for international businesses
For global businesses, using local IBANs in key markets, like the UK and EU, can significantly enhance how you send and receive payments. Instead of relying solely on international bank transfers via SWIFT, a local IBAN allows your business to operate as if it's financially local, even without a physical presence.
With a local IBAN, you can:
Receive payments via domestic systems like Faster Payments (UK) or SEPA (EU), reducing delays and eliminating intermediary fees.
Lower transaction costs, especially for high-volume B2B payments or supplier remittances, by avoiding foreign exchange markups and SWIFT charges.
Increase trust and ease compliance by providing clients, partners, and regulators with familiar, locally recognisable account details.
For businesses, this means better cash flow visibility, reduced operational friction, and a faster path to scaling in new markets. With 3S Money, you can open UK, EU, and other local IBANs—all from a single multi-currency business account—without the need to incorporate locally.
Need help with opening local IBANs or sending cross-border payments?
We specialise in high-volume, cross-border financial operations, supporting CFOs and international teams with:
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