IBAN format · EE

Estonia IBAN format: 20 characters.

Estonia IBANs have 20 characters: the country code EE, two check digits and a 16-character BBAN, the national account number, laid out as 2!n2!n11!n1!n.

Estonia IBAN structure

EE382200221020145685

Country code: EE
Check digits: 38
Bank code: 22
Account: 00221020145685

Parts of a Estonia IBAN and their positions
Positions	Part	In the example
1–2	Country code	EE
3–4	Check digits	38
5–6	Bank code	22
7–20	Account	00221020145685

The BBAN, segment by segment

The registry writes the BBAN in SWIFT notation: n is a digit, a an upper-case letter, c a letter or digit, and the ! means a fixed length. 2!n2!n11!n1!n reads:

The Estonia BBAN format, segment by segment
Positions	Notation	Holds	Example
5–6	2!n	2 digitsBank code	22
7–8	2!n	2 digits	00
9–19	11!n	11 digits	22102014568
20	1!n	1 digit	5

Estonia IBAN example

EE38 2200 2210 2014 5685 is the sample the SWIFT IBAN Registry publishes for Estonia: a well-formed IBAN for showing the format, not a real account. Written electronically it has no spaces (EE382200221020145685); on paper it is printed in groups of four.

Its check digits, worked through with ISO 7064 mod 97-10:

Move the country code and check digits to the end
2200221020145685EE38
Replace each letter with two digits (A = 10 … Z = 35)
E = 14
2200221020145685141438
Divide that number by 97 and keep the remainder
Remainder 1. A valid IBAN always leaves 1, so the check digits are right.
Where the check digits come from
Put 00 in their place (EE00…), repeat steps 1–3: remainder 60. The check digits are 98 − 60 = 38.

SEPA

Estonia is in the Single Euro Payments Area, so SEPA credit transfers and direct debits can reach EE IBANs; whether a given bank takes part is up to that bank.

What the format can and can’t tell you

Valid means the structure and check digits are right — not that the account exists or can receive payments.
National check digits inside the BBAN (e.g. the French RIB key, or the Spanish, Belgian and Italian CIN digits) are not verified.
Bank and branch codes are read from their positions; they are not looked up in a bank directory.

Check EE IBANs from code or an AI agent

REST · GET · no key

curl -s 'https://payopskit.com/api/v1/iban/EE382200221020145685'

MCP · tools/call · validate_iban

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "validate_iban",
    "arguments": {
      "iban": "EE382200221020145685"
    }
  }
}

Response (JSON)

{
  "input": "EE382200221020145685",
  "iban": "EE382200221020145685",
  "print": "EE38 2200 2210 2014 5685",
  "valid": true,
  "country": {
    "code": "EE",
    "name": "Estonia",
    "sepa": true,
    "sepaNote": null
  },
  "checkDigits": "38",
  "expectedCheckDigits": "38",
  "length": {
    "actual": 20,
    "expected": 20
  },
  "bban": "2200221020145685",
  "bbanFormat": "2!n2!n11!n1!n",
  "bankCode": "22",
  "branchCode": null,
  "parts": [
    {
      "label": "Country code",
      "value": "EE",
      "start": 0,
      "end": 2,
      "kind": "country"
    },
    {
      "label": "Check digits",
      "value": "38",
      "start": 2,
      "end": 4,
      "kind": "check"
    },
    {
      "label": "Bank code",
      "value": "22",
      "start": 4,
      "end": 6,
      "kind": "bank"
    },
    {
      "label": "Account",
      "value": "00221020145685",
      "start": 6,
      "end": 20,
      "kind": "account"
    }
  ],
  "checks": {
    "characters": true,
    "country": true,
    "length": true,
    "bbanFormat": true,
    "checksum": true
  },
  "errors": [],
  "notes": [
    "Valid means the structure and check digits are right — not that the account exists or can receive payments.",
    "National check digits inside the BBAN (e.g. the French RIB key, or the Spanish, Belgian and Italian CIN digits) are not verified."
  ]
}

The MCP server is at /mcp (Streamable HTTP, no key); the API and MCP docs show how to connect Claude, Cursor or VS Code.

From a national account number: GET /api/v1/iban/check-digits?country=EE&bban=… or the MCP tool compute_iban_check_digits computes the check digits and the whole IBAN.

Other 20-character IBANs

The same length doesn’t mean the same structure: compare the BBAN formats. All IBAN formats and lengths

Source: the SWIFT IBAN Registry (ISO 13616), transcribed and checked against each country’s registry example; the positions of bank and branch codes are given only where the registry’s are well established. The SWIFT IBAN Registry is the authority. Informational only.