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Since most of the bankâs account numbers are pattern based and more than 10 digits, IBAN cannot be created by using existing account string. Customers may have to deal with entirely distinct 16 digit IBAN (68 0027 4324 5672 46) in a payment system transaction.
The International Bank Account Number (IBAN) is an internationally agreed system of identifying bank accounts across national borders to facilitate the communication and processing of cross border transactions with a reduced risk of transcription errors.he Basic Bank Account Number (BBAN) format is decided by the national central bank or designated payment authority of each country. There is no consistency between the formats adopted. The national authority may register its BBAN format with SWIFT, but is not obliged to do so. It may adopt IBAN without registration.