IBAN in Sweden
Sweden IBANs are 24 characters long, starting with SE. Below you'll find the format, an example, and 5 major banks with SWIFT codes.
Sweden IBAN Format
Swedish Krona · SEK
Sweden IBAN Structure
2-letter country code + 2 check digits + 3-digit bank code + 16-17 digit account number (clearing + account)
Major Banks in Sweden with SWIFT Codes
Click any bank for a bank-specific IBAN example and payment instructions.
| Bank | SWIFT / BIC | |
|---|---|---|
| Swedbank | SWEDSESS | IBAN guide |
| Handelsbanken | HANDSESS | IBAN guide |
| SEB (Skandinaviska Enskilda Banken) | ESSESESS | IBAN guide |
| Nordea (Sweden) | NDEASESS | IBAN guide |
| Klarna Bank | KLARSES1 | IBAN guide |
Skip the SWIFT fee. Pay via Bitwage.
Route Sweden contractor payments via SEPA — same-day, near-zero fees.
Sweden IBAN FAQ
Common questions about Sweden IBAN format, validation, and international payments.
Sweden IBANs are 24 characters long and always start with SE. The structure is: 2-letter country code + 2 check digits + 3-digit bank code + 16-17 digit account number (clearing + account). An example Sweden IBAN looks like: SE45 5000 0000 0583 9825 7466.
For SEPA payments within the EU/EEA — including to Sweden — the IBAN alone is sufficient. For international SWIFT international wire transfer wires from outside the SEPA zone, you will also need the bank's BIC/SWIFT code.
Sweden is in the SEPA bank transfer zone, so Bitwage routes your payment via SEPA — typically for free or a fraction of a percent. No $25–50 SWIFT wire fee. Just enter the contractor's IBAN and Bitwage handles the rest via {{link:products/contractor-payments}}.
A valid Sweden IBAN is exactly 24 characters, starts with SE, and passes the mod-97 check digit algorithm. Bitwage validates all IBANs automatically before routing any payment — preventing misdirected funds. For batch payments, use {{link:products/masspay}} with CSV upload.
Ready to Pay Sweden Contractors?
Skip the SWIFT fee. Bitwage routes via SEPA instant — faster and cheaper.