How to Find and Use Your IBAN Number with APS Bank

Do you often need to transfer money, only to stop everything to look for your IBAN (International Bank Account Number)? Whether you are sending funds to family abroad, paying for a purchase, or receiving money from clients, knowing where to find your IBAN number is essential. Without it, transactions may be delayed, rejected, or even sent to the wrong account.

Since your IBAN ensures that your money reaches the right destination securely and efficiently, it has become a critical detail for both local and cross-border payments, helping banks process transfers quickly and accurately. In this article, we will explain what an IBAN is, why it matters, and how APS Bank makes it easy for you to find or generate yours.

What Is an IBAN Number?

An IBAN is a standard format for bank account numbers used internationally. It helps ensure that money sent across borders arrives safely and without errors. Typically, an IBAN consists of up to 34 alphanumeric characters, which include:

• Country code: two letters representing the country of the bank account.
• Check digits: two numbers used to validate the IBAN and protect against errors.
• Basic Bank Account Number (BBAN): this includes the domestic bank account number, branch identifier, and potential routing information.

A Maltese IBAN might look like this: MT84 MALT 0110 0001 2345 MTLC AST0 01S

In this example:

• MT is the country code for Malta
• 84 are the check digits
• MALT is the first part of the BIC code (or SWIFT code)
• The rest is the BBAN, which identifies your specific bank and account

Why Do IBANs Change?

IBANs are designed to be unique to each bank account, and they typically remain constant. However, there are scenarios where an IBAN number might change:

• Account changes: if you close your existing account and open a new one, your IBAN will change to reflect the new account details.
• Bank mergers or acquisitions: if your bank merges or changes its structure, your IBAN might change to align with the new bank’s systems.
• Branch changes: switching your account to a different branch can sometimes result in a new IBAN, depending on the bank’s internal policies.

Therefore, always stay informed about any changes to your IBAN to avoid payment issues.

Where to Find Your IBAN Number

If you are an APS Bank customer, there are several easy ways to find your IBAN:

• Bank statements: your IBAN number is included in your account statements. Whether you receive them digitally or in paper format, reviewing your latest statement is one of the simplest ways to retrieve your IBAN.
• Mobile banking app: open the myAPS app, go to your account details, and view your IBAN instantly.
• Internet banking: log in to myAPS internet banking through our website. Your IBAN appears in your account summary, along with other relevant information.
• APS IBAN generator tool: if you know your APS Bank account number but not your IBAN, you can easily generate it using our IBAN Generator Tool. Enter your account number and click “Generate IBAN” to get your full IBAN immediately.

Make Sure Your IBAN Is Correct

Always double-check your IBAN before sending or receiving international payments. Using the wrong IBAN can lead to delays or errors.

To help with this, we offer an IBAN Validator Tool. Simply enter your IBAN to confirm that it is valid and have peace of mind.

Getting Started with APS Bank

Knowing how to find and use your IBAN is important for making payments both locally and internationally. At APS Bank, we are here to make that process easy and secure. With our easy-to-use IBAN Generator and Validator Tool, you can quickly generate or verify your IBAN, ensuring every transfer is accurate and hassle-free. Whether you are sending money, receiving payments, or simply need your details on hand, we give you the tools to manage your IBAN with ease. Visit our IBAN page today to get started.

Approved and issued by APS Bank plc, APS Centre, Tower Street, B’Kara BKR 4012. APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994 and to carry out Investment Services activities under the Investment Services Act 1994. The Bank is a participant in the Depositor Compensation Scheme established under the laws of Malta. Terms and conditions apply and are available on apsbank.com.mt/terms-and-conditions.