# Local Bank Details

Source: https://docs.gocardless.com/docs/api-reference/local-bank-details

# Local Bank Details

When creating customer bank accounts, you can supply either an IBAN or local bank details specific to the country. This page documents the accepted field formats for each country.

  
### IBAN (General)

Most European countries accept IBAN as the primary format. You can optionally supply a `country_code` alongside the IBAN — if provided, it must match the country prefix of the IBAN.

    The `currency` defaults to the country's primary currency. If you are collecting SEPA payments from a GB IBAN, explicitly pass `currency: "EUR"`.

    Note: IBANs are **not supported** for AUD (Australia) or SEK (Sweden) — you must use local bank details for those currencies.

    ```json
    
    }
    ```

    See individual country entries below for local format alternatives.

  
### United Kingdom

Supply a 6–8 digit `account_number` and a 6 digit `branch_code` (sort code).

    ```json
    
    ```

    The sort code can be supplied with or without hyphens (e.g. `20-00-00` or `200000`).

  
### Australia

Supply a 5–9 digit `account_number` and a 6 digit `branch_code` (BSB number). IBAN is not supported for AUD.

    ```json
    
    ```

    The BSB number can be supplied with or without a hyphen (e.g. `012-345` or `012345`).

  
### United States

Supply a 9 digit `bank_code` (routing number), an `account_number` of up to 17 digits, and an `account_type` of either `"checking"` or `"savings"`. IBAN is not supported for USD.

    ```json
    
    ```

    The routing number must be exactly 9 digits.

  
### Canada

Supply a 2–3 digit `bank_code` (Financial Institution Number / FIN), a 5 digit `branch_code` (Branch Transit Number), and a 7–12 digit `account_number`.

    ```json
    
    ```

    The bank code should be supplied without leading zeros where applicable.

  
### Sweden

Supply a 4–5 digit `branch_code` (clearingnummer) and an `account_number` of up to 10 digits (kontonummer). IBAN is not supported for SEK.

    ```json
    
    ```

    The clearingnummer uniquely identifies the bank branch.

  
### New Zealand

Supply a 2 digit `bank_code`, a 4 digit `branch_code`, and an `account_number` consisting of 7 digits plus a 2–3 digit suffix, concatenated with a hyphen (e.g. `0123456-89`). IBAN is not supported for NZD.

    ```json
    
    ```

    The full New Zealand bank account number format is: `BB-bbbb-AAAAAAA-SSS`.

  
### Denmark

Supply a 2–4 digit `bank_code` (registreringsnummer) and a 9–10 digit `account_number` (kontonummer). Alternatively, you can supply the bank code embedded in the `account_number` field, separated by a hyphen or space.

    ```json
    
    ```

    The registreringsnummer identifies the specific bank branch.

  
### Austria

Supply a 4–11 digit `account_number` (Kontonummer) and a 5 digit `bank_code` (Bankleitzahl). IBAN is the more common format for Austria.

    ```json
    
    ```

    Using IBAN is recommended where possible for Austrian accounts.

  
### Belgium

Supply only the `account_number` (Rekeningnummer / Numéro de compte). The first 3 digits of the account number identify the bank. IBAN is also accepted.

    ```json
    
    ```

    The account number can be supplied with or without hyphens.

  
### France

Supply a 5 digit `bank_code` (Code banque), a 5 digit `branch_code` (Code guichet), and an `account_number` of up to 11 digits including 2 check digits (Clé RIB).

    French overseas departments and territories (DOMs/TOMs) use the same format with their respective ISO country codes: GF, GP, MQ, YT, RE, BL, MF, PM.

    ```json
    
    ```

    Together these form the RIB (Relevé d'Identité Bancaire).

  
### Germany

Supply a 1–10 digit `account_number` (Kontonummer) and an 8 digit `bank_code` (Bankleitzahl). IBAN is also accepted.

    ```json
    
    ```

    The Bankleitzahl (BLZ) identifies the bank and branch.

  
### Ireland

Supply a 6 digit `branch_code` (sort code) and a 6–8 digit `account_number`. IBAN is also accepted.

    ```json
    
    ```

    The sort code can be supplied with or without hyphens.

  
### Italy

Supply a 5 digit `bank_code` (Codice ABI), a 5 digit `branch_code` (CAB), and an `account_number` of up to 12 digits. IBAN is preferred for Italy.

    ```json
    
    ```

    Together with the check character and country code, these form the BBAN component of the Italian IBAN.

  
### Netherlands

Supply a 4 character `bank_code` and an `account_number` (Rekeningnummer) of up to 10 digits. Most Dutch customers will know their IBAN rather than local details.

    ```json
    
    ```

    Using IBAN is recommended for Dutch accounts.

  
### Spain

Supply a 4 digit `bank_code` (código de entidad), a 4 digit `branch_code` (código de oficina), and a 10 digit `account_number` (número de cuenta with 2 check digits prepended). Alternatively, you can supply all components in the `account_number` field as the Código Cuenta Cliente (CCC).

    ```json
    
    ```

    The CCC format is: BBBB-OOOO-CC-AAAAAAAAAA (bank + office + check digits + account).

  
### Estonia

Supply an `account_number` of up to 14 digits. Note that IBAN replaced local account details in Estonia in 2014, so most customers will have an IBAN.

    ```json
    
    ```

    Using IBAN is strongly recommended for Estonian accounts.

  
### Latvia

Supply a 4 character `bank_code` and a 13 digit `account_number`. Note that IBAN replaced local account details in Latvia in 2005.

    ```json
    
    ```

    Using IBAN is strongly recommended for Latvian accounts.

  
### Lithuania

Supply a 5 digit `bank_code` and an 11 digit `account_number`. Note that IBAN replaced local account details in Lithuania in 2004.

    ```json
    
    ```

    Using IBAN is strongly recommended for Lithuanian accounts.

  
### Slovak Republic

Supply a 4 digit `bank_code` (Kód banky) and an `account_number` consisting of an optional prefix (Předčíslí, up to 6 digits) followed by the account number (Číslo účtu, up to 8 digits), concatenated together. The traditional written format is `pppppp-aaaaaaaaaa/bbbb`.

    ```json
    
    ```

    IBAN is also widely used in Slovakia.

  
### Slovenia

Supply a 5 digit `bank_code` and an `account_number` of up to 10 digits. IBAN is also accepted.

    ```json
    
    ```

    Using IBAN is recommended for Slovenian accounts.

  
### Malta

Supply a 5 digit `branch_code` (sort code) and an `account_number` of up to 18 digits. IBAN is also accepted.

    ```json
    
    ```

    Using IBAN is recommended for Maltese accounts.

  
### Luxembourg

Supply a 3 digit `bank_code` and a 13 digit `account_number`. Note that IBAN replaced local account details in Luxembourg in 2002.

    ```json
    
    ```

    Using IBAN is strongly recommended for Luxembourg accounts.

  
### Cyprus

Supply a 3 digit `bank_code` (Kodikos Trapezas), an optional 5 digit `branch_code` (Kodikos Katastimatos), and a 7–16 digit `account_number`. Alternatively, you can combine both bank and branch codes into an 8 digit `bank_code`.

    ```json
    
    ```

    IBAN is also accepted for Cypriot accounts.

  
### Greece

Supply a 3 digit `bank_code`, a 5 digit `branch_code`, and a 16 digit `account_number`. IBAN is also accepted.

    ```json
    
    ```

    Using IBAN is recommended for Greek accounts.

  
### Portugal

Supply a 4 digit `bank_code`, a 4 digit `branch_code`, and an `account_number` consisting of 11 digits plus 2 check digits. IBAN is also accepted.

    ```json
    
    ```

    Using IBAN is recommended for Portuguese accounts.

  
### Monaco

Monaco uses the same format as France. Supply a 5 digit `bank_code` (Code banque), a 5 digit `branch_code` (Code guichet), and an `account_number` of up to 11 digits including 2 check digits.

    ```json
    
    ```

    IBAN is also accepted for Monegasque accounts.

  
### San Marino

San Marino uses the same format as Italy. Supply a 5 digit `bank_code` (Codice ABI), a 5 digit `branch_code` (CAB), and an `account_number` of up to 12 digits.

    ```json
    
    ```

    IBAN is also accepted for San Marinese accounts.

## What's next

  
#### [Supported Schemes](/docs/api-reference/schemes)

Review the direct debit and alternative payment schemes supported by GoCardless.

  
#### [Making Requests](/docs/api-reference/making-requests)

Learn how to authenticate and structure API requests to GoCardless.