In India, each bank account don’t have an IBAN number. Instead Indian banks work with other European Banks for the money transfer through IBAN system. For example, ICICI bank works with JP MORGAN CHASE to transfer money from Europe to an Indian ICICI bank account.
The IBAN was developed to make the transactions easier within the European Union but the customers especially individuals and SMEs (small and medium enterprises) often get confused with the differing national standards for bank accounts. The IBAN has not been widely accepted outside Europe and so it is not yet used for routing purpose. According to the European Central Bank’s expectations the adoption may take up to ten years and so it remains necessary to follow the current Bank Identifier Code system (called BIC) or SWIFT code in conjunction with the BBAN or IBAN.
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