IBAN and BIC Worldwide and faster payments

IBAN and BIC are standardized terms worldwide in the sphere of payment services. IBAN is an international format for account numbers. BIC designates the bank. IBAN and BIC make payment transactions quicker and easier – in Switzerland and worldwide. 

Where do I find my IBAN and BIC?

  • You can find your IBAN on the front of your debit card (Maestro card or V PAY card).
  • Your IBAN and BIC are printed to the right of your address on your account statement.
  • In UBS e-banking the IBAN and BIC are displayed next to your account number.

Debit card

Debit card

Account statement



IBAN in detail

IBAN stands for international bank account number and is a globally valid format for account numbers. Every IBAN number is structured according to the same system. The country, financial institution and account number are uniquely identifiable from the IBAN. IBAN enables payments to be processed automatically. This makes payment transactions faster and easier.

Example of an IBAN (21 characters)

Example IBAN


BIC in detail

BIC stands for business identifier code. The combination of numbers and letters designates the bank. The BIC is only needed for cross-border payments.

Example of a BIC (11 characters)

Example BIC


IBAN and BIC are required in Europe

European banks already require that the IBAN and BIC of payment recipients be provided. If this information is missing from the payment order, the order has to be processed manually. The recipient bank passes on the processing fees to the party who ordered the payment. Recipient banks abroad may even refuse to accept cross-border payment orders that are not accompanied by an IBAN and BIC.

You can find further details in our information sheet IBAN and BIC (PDF, 200 KB) – important standards in payment transactions.


IBAN in Swiss payment transactions

Domestic payment transactions are also being gradually switched to IBAN. In Switzerland, payments that do not state an IBAN are still processed without additional third-party costs. 


Please contact us if you have any further questions on IBAN and BIC.  Our client advisors will be happy to help you with any questions you may have in relation to payment transactions.