Is IBAN Required When Sending Money Abroad? – 2025 Guide

Sending money abroad can be confusing, especially for first-time users. “Is IBAN required?” is one of the most frequently asked questions. Knowing the right methods helps you make secure and fast international transfers. In this guide, you’ll learn what IBAN is, when it is required, and how you can send money without an IBAN.

1. What is IBAN?

IBAN (International Bank Account Number) is a standardized bank account number format used in international transfers.

Each country has a different IBAN format, but its main purpose is to correctly and securely identify bank accounts.

IBAN is mandatory in many European countries and some other regions.

By reducing errors in account details, IBAN helps ensure that your money reaches the correct recipient.

2. Is IBAN Required When Sending Money Abroad?

Whether IBAN is required depends on the destination country and the transfer method:

• SEPA countries (European Union and affiliated countries): IBAN is mandatory.

• Non-SEPA countries (e.g. USA, Canada and others): IBAN may not be required; instead, a SWIFT/BIC code is used.

• Digital wallets and apps (such as kuikpara): Transfers can be made without an IBAN, using a phone number, username, or email address.

In short: IBAN is required for most European countries, but alternative options are available for other regions.

3. Advantages of Sending Money with IBAN

Using an IBAN for international transfers offers several benefits:

✅ Secure transfers: Standardized banking system ensures safety and efficiency.
✅ Minimum error risk: IBAN reduces incorrect transfers.
✅ Easy tracking: International standards make monitoring your transfer easier.

4. Ways to Send Money Without IBAN

It is also possible to send money without an IBAN, especially with modern digital solutions:

• Digital wallet applications: You can send money with kuikpara without knowing the recipient’s IBAN.

• SWIFT transfers: Transfers can be made using the recipient’s bank details.

• Wire transfers / local bank transfers: In some countries, transfers can be completed without IBAN.

Send money without IBAN using kuikpara

kuikpara allows users to send money quickly and securely using only the recipient’s phone number or email address. Whether the recipient is in Europe or elsewhere, you can complete the transfer within minutes — without needing IBAN. Plus, low fees and real-time tracking make the process even more convenient.

5. When IBAN is Required vs Not Required

6. Benefits of Sending Money Abroad with kuikpara

kuikpara is an ideal solution for anyone who wants to send money internationally without needing IBAN details.

🌍 Global coverage – Fast transfers to both European and non-European countries
💸 Free transfers – No hidden fees or bank charges
⚡ Instant delivery – Send in minutes
📱 Easy to use – Send to a name, card, account, or mobile wallet
🔒 Secure transactions – Protected by advanced kuikpara security protocols

Sending money without IBAN with kuikpara is both practical and secure. It’s the perfect option, especially for frequent international transfers.

7. Conclusion

Knowing whether IBAN is required when sending money abroad will help you make faster and safer transfers.

Today, international money transfer is much easier and more secure than before. With kuikpara, you can complete your transfer within minutes and track it in real time.

Start sending money abroad easily and confidently with kuikpara.