{"id":6424,"date":"2021-03-16T16:55:20","date_gmt":"2021-03-16T16:55:20","guid":{"rendered":"https:\/\/www.sage.com\/pt-pt\/blog\/?post_type=sage_glossary&#038;p=6424"},"modified":"2025-12-03T15:42:14","modified_gmt":"2025-12-03T15:42:14","slug":"o-que-e-o-iban-international-bank-account-number","status":"publish","type":"sage_glossary","link":"https:\/\/www.sage.com\/pt-pt\/blog\/dicion\u00e1rio-termos-empresariais\/o-que-e-o-iban-international-bank-account-number\/","title":{"rendered":"O que \u00e9 o IBAN (International Bank Account Number)?"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/dicion\u00e1rio-termos-empresariais\/\" class=\"entry-header__link\">Defini\u00e7\u00e3o de dicion\u00e1rio<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tO que \u00e9 o IBAN (International Bank Account Number)?\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"reading-time\"> minutos de leitura<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"O que \u00e9 o IBAN (International Bank Account Number)?\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/pt-pt\/blog\/dicion\u00e1rio-termos-empresariais\/o-que-e-o-iban-international-bank-account-number\/\"\n\t\t\tdata-share-text=\"Por favor, leia este artigo interessante\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Partilhar<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copiar link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copiada<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n<\/header>\n\n\n\n\n\n<p>\u00c9 a sigla para <em>International Bank Account Number<\/em>. \u00c9 um c\u00f3digo utilizado para identificar uma conta banc\u00e1ria na <a href=\"https:\/\/www.sage.com\/pt-pt\/blog\/dicion\u00e1rio-termos-empresariais\/o-que-e-a-sepa-single-euro-payments-area\/\">SEPA<\/a> ou Zona \u00danica de Pagamentos em Euros.<\/p>\n\n\n\n<p>O IBAN \u00e9 um padr\u00e3o criado pelo <em>European Banking Standards Committee<\/em> (ECBS, EBS204) com o objetivo de facilitar a identifica\u00e7\u00e3o homog\u00e9nea de contas banc\u00e1rias em todos os pa\u00edses. Este c\u00f3digo garante a transmiss\u00e3o correta dos dados e reduz as possibilidades de interven\u00e7\u00e3o manual. Portanto, ajuda a evitar os custos e atrasos associados \u00e0 transmiss\u00e3o incorreta ou insuficiente de dados relativos a contas banc\u00e1rias.<\/p>\n\n\n\n<p>O IBAN (padr\u00e3o ISO 13616) consiste em no m\u00e1ximo 34 caracteres alfanum\u00e9ricos, dependendo do pa\u00eds. No caso particular das contas de pagamento domiciliadas em Portugal, o IBAN \u00e9 composto por 25 caracteres: o antigo NIB (N\u00famero de Identifica\u00e7\u00e3o Banc\u00e1ria), que corresponde ao BBAN portugu\u00eas, precedido pelo c\u00f3digo de pa\u00eds (PT) e por dois d\u00edgitos de controlo (no caso portugu\u00eas, estes d\u00edgitos s\u00e3o sempre \u201850\u2019).<\/p>\n\n\n\n<p>O IBAN \u00e9 apresentado em dois formatos diferentes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Formato eletr\u00f3nico: A apresenta\u00e7\u00e3o do IBAN \u00e9 feita com todos os d\u00edgitos seguidos, sem separar espa\u00e7os.<\/li>\n\n\n\n<li>Formato impresso: \u00e9 igual ao formato eletr\u00f3nico, exceto que as iniciais \u201cIBAN\u201d precedem o IBAN e s\u00e3o seguidas de um espa\u00e7o e \u00e9 dividido em grupos de quatro caracteres separados por um espa\u00e7o.<\/li>\n<\/ul>\n\n\n\n<p>O IBAN \u00e9 usado em conjunto com o C\u00f3digo de Identifica\u00e7\u00e3o Banc\u00e1ria (BIC) para obter maior seguran\u00e7a e rapidez nas transa\u00e7\u00f5es financeiras internacionais.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Receba a newsletter Sage Advice<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Inscreva-se para receber o boletim do Sage\u00a0Advice e receba os conselhos mais recentes diretamente no seu e-mail.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-56228f27-e58f-435b-9b72-a561d684e263\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscrever<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1073868226-1215x810.jpg\" class=\"single-cta__image\" alt=\"Rapaz ao telefone no seu escrit\u00f3rio\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/pt-pt\/blog\/wp-content\/uploads\/sites\/15\/2023\/10\/GettyImages-1073868226-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00c9 a sigla para International Bank Account Number. \u00c9 um c\u00f3digo utilizado para identificar uma conta banc\u00e1ria na SEPA ou Zona \u00danica de Pagamentos em Euros. O IBAN \u00e9 um padr\u00e3o criado pelo European Banking Standards Committee (ECBS, EBS204) com o objetivo de facilitar a identifica\u00e7\u00e3o homog\u00e9nea de contas banc\u00e1rias em todos os pa\u00edses. Este [&hellip;]<\/p>\n","protected":false},"author":763,"featured_media":0,"template":"","meta":{"_sage_video":false,"footnotes":""},"tags":[],"class_list":["post-6424","sage_glossary","type-sage_glossary","status-publish","hentry"],"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice Portugal","distributor_original_site_url":"https:\/\/www.sage.com\/pt-pt\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/sage_glossary\/6424","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/sage_glossary"}],"about":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/types\/sage_glossary"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/users\/763"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/sage_glossary\/6424\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/media?parent=6424"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/pt-pt\/blog\/api\/wp\/v2\/tags?post=6424"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}