It was originally adopted by the European Committee for Banking Standards (ECBS), and later adopted as an international standard under ISO 13616:1997. Routing errors were therefore frequent causing payments to be delayed and incurred extra costs to the sending and receiving banks and often to intermediate routing banks also. The British and Irish sort codes are only used for domestic money transfers. IBAN imposes a flexible but regular format sufficient for account identification and contains validation information to avoid errors of transcription. It identifies both the bank, and the branch where the account is held. All paper instruments presented to the clearinghouse must be MICR-encoded.

Bank NameSort CodeCityAddress & Info
MBNA EUROPE BANK LTD 080054 Equivalent Codes: 08-00-54 08 00 54 Chester MBNA BRANCH MBNA Europe Bank Ltd, Chester Business Park, CH4 9FB, Phone: (1244) 672000, Chester England
MBNA EUROPE BANK LTD 086128 Equivalent Codes: 08-61-28 08 61 28 Chester DEPOSIT ACCOUNTS PO Box 1324, Chester Business Park, CH4 9TF, Phone: (800) 336262, Chester England
MBNA EUROPE BANK LTD 086130 Equivalent Codes: 08-61-30 08 61 30 Chester CREDIT CARD ACCOUNTS Credit Cards, P O Box 1004, Chester Business Park, CH4 9WW, Phone: (800) 7833450, Chester England
MBNA EUROPE BANK LTD 086132 Equivalent Codes: 08-61-32 08 61 32 Chester MBNA Europe Bank Ltd Loans PO Box 1393, Chester Business Park, CH4 9YG, Phone: (845) 6015503, Chester England
MBNA EUROPE BANK LTD 086133 Equivalent Codes: 08-61-33 08 61 33 Chester BUSINESS CARD Business Cards, Chester Business Park, CH4 9FB, Phone: (8000) 922955, Chester England
MBNA EUROPE BANK LTD 165570 Equivalent Codes: 16-55-70 16 55 70 Chester CREDIT CARDS Chester Business Park, CH4 9FB, Phone: (1244) 672000, Chester England
MBNA EUROPE BANK LTD 235442 Equivalent Codes: 23-54-42 23 54 42 Chester CHESTER BUSINESS PARK P.O. Box 1004, Chester Business Park, Wrexham Rd, CH4 9WW, Phone: (1244) 672000, Chester England