Polish IBAN Generator
Every bank account in Poland has a 28-character IBAN that starts with PL. If you need to receive an international transfer, make a SEPA payment, or share your bank details with someone abroad, you need this number. Enter your 8-digit bank sort code and 16-digit account number above. The generator calculates the check digits and outputs a valid Polish IBAN. It validates your bank code against the NBP directory, so the result matches a registered Polish bank. Below you can see the full Polish IBAN format with a real example. Learn how the IBAN number for Poland is structured and how to send money to Poland.
Generated 5 IBANs :
PL60103010992457119783689073
Bank Handlowy (Citi Handlowy)
PL94116073591121184832124325
Bank Millennium
PL36193082029635915222045790
Bank Polskiej Spółdzielczości
PL06102088467459115830117338
PKO Bank Polski
PL39194084071474745899053524
Credit Agricole
What Is a Polish IBAN?
IBAN stands for International Bank Account Number. Every bank account in Poland has one [1]. A Polish IBAN is exactly 28 characters long: the country code PL followed by 26 digits [6]. You need it any time you receive a SEPA credit transfer, send money from abroad, or set up a recurring payment to a Polish account.
IBAN in Poland works the same way as in every other EU country. Since February 2016, IBAN is the only account identifier required for euro transfers within the EU [9]. Before that date, you also needed a BIC/SWIFT code. Today, IBAN alone is enough for SEPA payments, though banks outside Europe may still ask for the SWIFT code.
If you already have a Polish bank account, your IBAN is your 26-digit domestic account number with "PL" added to the front [1]. You can find it in your banking app, on a bank statement, or on some debit cards.
Polish IBAN Format and Example
Here is a Polish bank account number example in IBAN format, broken down by segment:
PL 61 1020 1013 0000 0100 0023 4006
| Segment | Position | Length | Meaning |
|---|---|---|---|
| PL | 1–2 | 2 letters | Country code for Poland |
| 61 | 3–4 | 2 digits | Check digits (calculated via MOD 97) |
| 10201013 | 5–12 | 8 digits | Bank sort code (numer rozliczeniowy) |
| 0000010000234006 | 13–28 | 16 digits | Client account number |
The 8-digit bank sort code identifies the bank and its branch [3]. The last digit of the sort code is itself a check digit. The bank assigns the 16-digit client number when you open your account.
The NBP (National Bank of Poland) defines this Poland IBAN format in its ordinance on bank and account numbering [3]. SWIFT administers the international structure under ISO 13616 [6].
The PL IBAN format is always 28 characters. No Polish IBAN is shorter or longer. If someone gives you a Poland IBAN number that is not 28 characters, it is not valid.
What Is a Bank Sort Code?
The bank sort code (numer rozliczeniowy) is an 8-digit number that identifies a specific bank or branch in Poland [3]. The last of the eight digits is a check digit calculated according to Appendix 2 of the NBP President's ordinance [3].
The IBAN generator requires the sort code as input. You can find it:
- On your bank statement (the first 8 digits of your account number after the check digits)
- In your banking app, under account details
- In the EWIB 2.0 registry maintained by the National Bank of Poland [5]
The sort code is part of both the NRB and IBAN formats. It lets you identify the bank from an account number [3]. If you need a tool for that, check our IBAN Bank Identifier. To verify an existing IBAN, use our IBAN Checker.
What Is an NRB Number?
NRB (Numer Rachunku Bankowego) is Poland's 26-digit domestic account number format [3]. It consists of 2 check digits, an 8-digit bank sort code, and a 16-digit client number.
An IBAN is created by adding the "PL" prefix to the NRB and recalculating the check digits using the MOD 97 algorithm [4]. If you have an older 26-digit account number (NRB), the IBAN generator converts it to the international format.
The NRB standard is based on the Polish Norm PN-F-01102, and its implementation was coordinated by the Polish Bank Association [4]. The legal basis for the entire numbering system is Article 68 of the Banking Law, which authorizes the NBP President to determine the numbering of banks and accounts [2].
How the IBAN Generator Works
Enter two values in the tool above:
- The 8-digit bank sort code (numer rozliczeniowy, the number that identifies your bank and branch).
- The 16-digit client account number.
The generator combines these into a 26-digit domestic account number, calculates the two IBAN check digits using the MOD 97 algorithm, and prepends the PL country code. The result is a correctly formatted 28-character Polish IBAN.
The tool also validates your bank sort code against the NBP's EWIB directory [5]. If the code does not match a registered bank, the tool flags it. This lets you catch errors before using the IBAN for a transfer.
You can also use the generator to convert an older NRB-format account number into the IBAN format. The NRB is the 26-digit domestic standard that Poland adopted in the early 2000s [4]. Adding "PL" to the front and recalculating the check digits turns an NRB into an IBAN. To verify an existing IBAN instead, use our IBAN Checker tool.
Where to Find Your IBAN
You do not need to calculate your IBAN yourself. Here is where to find it:
Banking app. In PKO iPKO, mBank, Santander, and other Polish banks, your IBAN appears in the account details screen. It usually shows with or without the "PL" prefix.
Bank statement. On a paper or electronic statement, your account number appears in the 26-digit NRB format. Add "PL" to the front and you have your IBAN.
Debit or credit card. Some banks print the IBAN on the back of your card. Not all banks do this, so check the app or a statement first.
IBAN generator. If you only have the sort code and client number (for example, from separate fields on a statement), use the generator above.
If you do not have access to online banking, call your bank's customer service line or visit a branch with a valid ID.
IBAN vs Account Number
The difference between IBAN and account number comes down to two characters. In Poland, your domestic account number (NRB) has 26 digits. Your IBAN is that same 26-digit number with "PL" added at the start [1]. The two check digits in positions 3–4 are recalculated for the international format, but the remaining 24 digits match your NRB exactly.
For domestic transfers within Poland, banks accept the 26-digit account number. For international transfers and SEPA payments, you need the full 28-character IBAN [7]. Most Polish banking apps display both formats.
If someone asks for your Poland IBAN code, give them all 28 characters starting with PL. If they ask for your "account number," the 26-digit NRB is usually what they mean.
How to Send Money to Poland
Whether you need to send money or wire money to Poland from abroad, you need two things: the recipient's Polish IBAN and the bank's SWIFT/BIC code.
For SEPA transfers in euros, IBAN alone is enough [9]. The "IBAN only" rule has been in force across the EU since February 2016 [8]. Your bank routes the payment using the IBAN without needing a separate SWIFT code.
To wire money to Poland in a non-euro currency (USD, GBP, or others), most banks require both IBAN and SWIFT/BIC. Ask the recipient for their bank's SWIFT code, or look up the Poland SWIFT code using our IBAN Bank Identifier tool.
Here is what you need for a wire transfer to Poland:
- Recipient name (as registered with the bank)
- Polish IBAN (28 characters, starting with PL)
- SWIFT/BIC code (for non-SEPA transfers)
- Transfer amount and currency
- Purpose of payment (some banks require this)
SEPA payments typically arrive within one business day. International wire transfers outside SEPA can take two to five business days.
Opening a Bank Account in Poland
If you are an expat, remote worker, or business owner in Poland, you may not yet have a Polish IBAN. You need to open a bank account first. Major banks that serve foreign residents include PKO Bank Polski, mBank, Santander Bank Polska, and ING Bank Śląski. Most require a PESEL number (Poland's national ID number) or a passport. Some banks let you open an account online.
Once your account is active, the bank assigns your 26-digit NRB. Add "PL" to the front and you have your IBAN number for Poland. Or enter your bank code and account number in the generator above.
If you do business in Poland, you may also need a NIP number, Poland's tax identification number for companies. Check our NIP Generator for more on that.
Frequently Asked Questions
What is a Polish IBAN?
A Polish IBAN is a 28-character international bank account number used to identify accounts in Poland. It starts with the country code PL, followed by 2 check digits, an 8-digit bank sort code, and a 16-digit client account number [1] [6].
What does a Polish IBAN look like?
Here is a Poland IBAN example: PL 61 1020 1013 0000 0100 0023 4006. This Polish IBAN example uses PKO Bank Polski (sort code 10201013). The spaces are for readability only. In electronic transfers, write the IBAN without spaces as one continuous string.
How many digits is a Polish IBAN?
A Polish IBAN has exactly 28 characters: 2 letters (PL) and 26 digits. The Poland bank account number format is always this length.
What is the difference between IBAN and account number?
The IBAN wraps your domestic account number with a country code and check digits. In Poland, the domestic account number (NRB) is 26 digits. The IBAN adds "PL" at the start, making it 28 characters. The underlying account data is the same [1].
How do I send a wire transfer to Poland?
You need the recipient's 28-character Polish IBAN. For SEPA euro transfers, IBAN alone is enough [9]. For non-euro transfers, you also need the bank's SWIFT/BIC code. Enter the details in your bank's international transfer form.
What is the IBAN format for Poland?
The IBAN format Poland uses is: PL + 2 check digits + 8-digit bank sort code + 16-digit client account number. That makes 28 characters total. The MOD 97 algorithm (ISO 7064) generates the check digits [6].
Where can I find my IBAN?
In your banking app (under account details), on a bank statement, or on the back of some debit cards. If you only have the sort code and client number, use the IBAN generator above to create the full IBAN.
Where is the IBAN on my card?
Some Polish banks print the IBAN on the back of debit or credit cards. Not all cards carry it. A more reliable source is your banking app or a bank statement.
What is a bank sort code?
The bank sort code (numer rozliczeniowy) is an 8-digit number identifying a specific bank or branch in Poland [3]. It forms part of both the NRB and IBAN. The last digit is a check digit.
Do I need an IBAN for domestic transfers?
No. For transfers within Poland, the 26-digit account number (NRB) is sufficient. IBAN is required for international and SEPA transfers [7]. To verify an existing number, use our IBAN Checker.
References
- What Is IBAN and What Is BIC (SWIFT CODE)? — European Consumer Centre Poland — konsument.gov.pl
- Banking Law Act of 29 August 1997 (Article 68) — isap.sejm.gov.pl
- Ordinance No. 7/2017 of the NBP President on Bank and Account Numbering (Consolidated Text 2025) — nbp.pl
- Bank and Account Numbering — Analytical Paper (2014) — nbp.pl
- EWIB 2.0 — Financial Institution Number Registry — ewib.nbp.pl
- ISO 13616 IBAN Registry — SWIFT — swift.com
- Regulation (EU) No 260/2012 — SEPA Regulation — eur-lex.europa.eu
- Single Euro Payments Area Regulation — Summary — eur-lex.europa.eu
- IBAN and Open Standards in SEPA — European Payments Council — europeanpaymentscouncil.eu
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