IBAN 在摩纳哥

IBAN （代表国际银行账号）是国际商定的代码，由最多34个字母和数字组成，可帮助银行确保正确处理国际转账。

仅用几个字母和数字， IBAN即可捕获您在国际上汇款或收款所需的所有国家/地区、银行和账户详细信息。这一系统在整个欧洲使用，在中东、北非和加勒比地区也得到承认。查找[IBAN示例] （ https://wise.com/zh-hk/iban/example ） ，适用于所有使用该示例的国家/地区。

You can usually find your IBAN on your bank account statements, or in your online banking. If you have your other bank account details to hand, you can also use calculator to find your IBAN. Calculate IBAN

您需要一些详细信息才能发送或接收国内或国际转账。

[IBANs]（https://wise.com/zh-hk/iban/）（国际银行账号）识别个别银行账户。它们由欧洲的许多银行发行，但世界其他地区的银行也开始采用它们。

路由号码在处理国内ACH付款或电汇时帮助识别银行，但只应用在美国。例如，您不需要路由号码向在法国的好友进行汇款。

[SWIFT代码] (https://wise.com/zh-hk/swift-codes) ，如路由号码，用以识别银行和金融机构，应用于国际汇款，有时被称为BIC代码。

When sending money internationally, there are a few big things you need to look out for. Often banks add hidden fees to the exchange rates they offer, often without even telling their customers. And with each bank sending your money at their own pace, choosing a fast provider can be difficult.

Wise gives you the real, mid-market exchange rate — the same rate you’ll see on Google, in fact. No hidden fees. No surprises. Just a much better deal. And on many popular routes, Wise can send your money within one day, and sometimes within seconds.