What is an IBAN and why do I need one?
International Bank Account Numbers (IBAN) is a system of identifying bank accounts across national borders. An IBAN helps to facilitate international transactions and is asked for by some payment providers, including Apple, Google and Stripe, for bank accounts in Europe and certain other regions, so you can receive payouts. Your Apple Account Holder needs to add banking details in App Store Connect before accepting the Paid Apps Agreement, which SupaPass needs to submit your app, even if you don't sell anything in it.
How do I find my IBAN?
Most banks display your IBAN in your online account or mobile app. If you can't find your IBAN, contact your bank and they can provide it to you.
Bank accounts without IBAN
While most major banks support IBAN, there are a few that don't. Fortunately there are a few options.
Can I use a different bank account?
Yes, you can use a different bank account. Many other banks support IBAN, so if you have another account this is the easiest way to get around the issue. You can change the bank account connected for payments by following these steps:
Log in to App Store Connect.
Click the Business module.
Select the entity you wish to update.
On the Agreements tab, in the Bank Accounts section, click Add Bank Account (or the + button, then Add New Account) to add a new account, or click the account name to edit your banking information.
Complete the process outlined by Apple and remember to save at the end.
Can I generate an IBAN?
Yes, for bank accounts without IBAN you will need to generate it using an IBAN calculator or use a money transfer service as an intermediary. Either of these options should work, but they come with different levels of risk.
What is an IBAN calculator?
In certain regions your bank is required to assign your account an IBAN, but they may not display it if they are not fully connected to international payment networks such as SWIFT. This is because banks that are not connected to those payment networks cannot guarantee your payments will arrive on time, or at all. If you plan on using a calculator, please proceed with caution and use a reputable calculator such as Wise, and confirm the IBAN with your bank before using it, as a correctly formatted IBAN is not a guarantee that it exists.
Can I use a money transfer service to generate an IBAN?
Some money transfer services can generate an IBAN for you, allowing you to receive payments from Apple and then send it securely to your account. If your bank does not provide you with an IBAN they may have a preferred partner to generate one, so ask your bank first.
Money transfer services can incur additional set up costs, though some transfer costs can be lower than traditional banks. Unfortunately you won't receive this benefit for your app payouts as currencies are converted by Apple before transferring to you in your currency.
Warning
We've used Wise as an example of a money transfer service with low fees. This is not an endorsement of Wise and we receive no referral fee from them. Our advice is to speak to your bank to find out if you have an IBAN or if they have a preferred money transfer partner before proceeding.
Frequently Asked Questions
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Why do I need to add bank details to my Apple account?
Why do I need to add bank details to my Apple account?
Apple needs accurate banking details to pay you. Your Account Holder also has to complete the banking and tax steps before accepting the Paid Apps Agreement, which we need to submit your app, even if you don't sell anything in it.
Do I always need an IBAN?
Do I always need an IBAN?
No. Apple asks for an IBAN only if it applies to your bank account, which is usually the case in Europe and some other regions. Your account number and your IBAN are two separate numbers, so don't enter your IBAN in the account number field.
Who can add or change bank details in App Store Connect?
Who can add or change bank details in App Store Connect?
The Account Holder, an Admin or a Finance user can add or edit bank details. If an Admin or Finance user makes the change, the Account Holder has to approve it before Apple processes it.
Which currency will Apple pay me in?
Which currency will Apple pay me in?
Apple pays you in the currency you choose as your Bank Account Currency, so pick the main currency your account holds. Most bank accounts accept only one currency.
I've changed my bank account. When will Apple start paying into it?
I've changed my bank account. When will Apple start paying into it?
If you make the change after Apple has started processing that month's payment, the money may not reach the new account until a later payment.
Do I need an IBAN for Google Play payouts?
Do I need an IBAN for Google Play payouts?
It depends on your country. Your Google payments profile asks for the bank details used where you are: many European countries need an IBAN and SWIFT-BIC, while others use local details.
Do I need an IBAN for my Stripe payouts?
Do I need an IBAN for my Stripe payouts?
Stripe asks for the bank details used in your bank's country: for example an IBAN in most European countries, or a sort code and account number in the UK. You add or change your payout bank account in Stripe, not in SupaPass.