Tools
IBAN country ≠ HQ
The first two letters are the issuing country. They are not the app’s HQ, the founder’s passport, or the Delaware LLC. Paste a number. Then pick the brand.
Checksum valid
LT12 1000 0111 0101 0021
Checksum valid. Issued in Lithuania.
Issued in LithuaniaSEPA — specialised banks live here
Brand file
Revolut
HQ London, United Kingdom. That is not automatically the IBAN country.
- GB · Revolut Ltd / Revolut Bank UK (eligible customers)UK bank sleeve — FSCS on that entity
- LT · Revolut Bank UABLithuanian specialised bank — not FSCS
This IBAN country is one of Revolut’s named entities.
A LT IBAN from Revolut is not a UK current account. Read the entity on the statement.
The split
1. HQ
Where the brand sits. London, Berlin, Amsterdam. Marketing city.
2. Licence
Who is authorised. PRA bank, EMI, specialised bank, partner bank.
3. IBAN country
Where the account number was issued. LT is Lithuania. DE is Germany, not Delaware.
Questions
Why does Revolut give me a Lithuanian IBAN?+–
Revolut Bank UAB is a specialised bank in Lithuania. That IBAN is a Lithuanian account, not a UK current account. Eligible UK customers can sit in the UK bank sleeve (FSCS). Read the entity on the statement, not the app icon.
Is a Wise IBAN a bank account in that country?+–
No. Wise is an EMI / payments firm. Local details (Belgian, British, and others) sit in a safeguarding stack. SEPA works. It is not Sparkasse, and it is not FSCS.
Do US LLCs get IBANs?+–
Not as a US routing product. ACH uses routing + account. An IBAN on a US LLC file usually belongs to Wise, Revolut Business, or a European entity you formed. HQ in Delaware does not mint a DE IBAN — DE is Germany.
A valid checksum is not proof the account is open. None of this is advice.