IBAN Checker

Validate & Check IBAN Number for Errors

Example: GB33BUKB20201555555555 / DE75512108001245126199 / FR7630006000011234567890189

 

IBAN Checker provides a free demo of our IBAN SUITE service.
Integrate our IBAN SUITE service into your own ERP,CMR,service or software.
For more information about integration of our services please visit Developers Center. View more information about Plans & Pricing

IBAN ( International Bank Account Number ) validation through control digits is used as an effective way of reducing failed transactions when processing international and domestic payments.
Additionally, our system can identify the Bank Identifier Code (BIC) for the respective bank and branch. By verifying the correct BIC code in combination with a valid IBAN, you can ensure effective routing of the payment to the recipient bank.

The IBAN checker you see on this page is using the same functionality as our corporate service. It can check IBAN number by validating all the elements such as bank code, branch code, account number and specific check digits for each country.

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You may review the supported countries and use the examples to test the service.
Additionally, please feel free to visit our data accuracy and security sections to learn more about our data quality and informational security practices.

If you don't know your International Bank Account Number (IBAN number) you can calculate IBAN from bank code and account number.

More information about the validation process and steps performed can be found below.

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IBAN Checksum

This is the first and most important check we perform.
The IBAN check digit consists of two digits in positions 3 and 4 of the IBAN.
It is calculated using the MOD97 algorithm and provides the primary integrity check for the IBAN standard.
Supported for all 116 countries.

If this check is not passed, we do not run any further tests as the IBAN is invalid for certain.

Country Support IBAN

Our system will automatically detect if the International Bank Account Number county code corresponds to a country which does not use the IBAN format.
In this case it will notify you about the fact that the country does not support IBANs.

This can only happen if someone has generated an IBAN using an unreliable piece of software.

Check IBAN number Length

Checking the specific length of the IBAN for each country's standard is the third layer of validations we do.
Each of the 116 countries in our internal registry has its own length specified.

Possible responses here are:

IBAN Length is correct for United Kingdom
***Country Name*** IBAN must be **N** characters long

If the IBAN is longer or shorter than that length, it should be considered incorrect.

Check Account Number checksum (in BBAN)

Every IBAN contains a local bank account number also called BBAN ( Basic Bank Account Number).
Some countries use internal check digit algorithms to validate domestic BBAN.
Every country uses a different algorithm and in some countries algorithms vary from bank to bank or even individual branches.

For example:

  • United Kingdom (UK) is using 3 different algorithms: MOD10 , MOD11 and DBLAL with 39 different weights. This makes over 100 different variations
  • The Netherlands (NL) is using MOD11 algorithm with custom weights to validate account numbers. France (FR) is using MOD97 algorithm with custom weights
  • Germany (DE) has a complex structure with 143 algorithms and custom weights: MOD10, MOD11, MOD7 etc.
  • Italy (IT) is using modified MOD10 algorithm in domestic account number validations
  • Sweden (SE) is using 5 different algorithms: MOD11, MOD10 algorithms with custom weights

Once we identify and perform the appropriate validation our engine will return one of the following results:

Account Number checksum is valid - You may consider the account number as valid.

Account Number checksum not correct - Account number is invalid. You may deduct that IBAN is also invalid.

Account Number does not support checksum validation - Many banks and countries do not support Account Number validation. In this case we rely on the IBAN check digit for integrity control.

Currently, a total of 48 countries support BBAN and domestic account number check digit validation.

IBAN Format and Structure

The second check we perform is country specific IBAN structure validation.
We know each country's internal rules for the specific positions and characters inside the IBAN.
This check is helpful when the country does not support internal account number check digit validation.

Possible results for this check are:

IBAN Formatting and Structure is correct!

IBAN Formatting and Structure is not correct!

Formatting

Our validation engine can recognize the specific format of 116 countries that use IBAN.

Format validation takes into account:

  • bank code position - Checks if the bank identifier is in the correct place
  • branch identifier position - Not all countries have branch code. We perform that check for a total of 58 countries
  • national check digit position - This check is performed only for countries supporting internal check digit. (48 countries)

Structure

The structure check compares the specific characters used in the different parts of the IBAN.
We support structure checks for 116 countries using IBAN.

Structure validation checks if:

  • bank code contains alpha, numeric or alpha-numeric
  • bank code contains alpha, numeric or alpha-numeric
  • branch identifier code (if available) contains alpha, numeric or alpha-numeric
  • in national check digit (if available) contains alpha, numeric or alpha-numeric


Supported SEPA payment schemes

Single Euro Payments Area (SEPA) is a single system for both domestic and cross-border bank transfers in euro based in ISO 20022 payments infrastructures.

  • SCT: STEP2 SEPA Credit Transfer
  • SCT Inst: SEPA Instant Credit Transfer RT1 System (EBA Clearing)
  • SCT Inst: SEPA Instant Credit Transfer TIPS System from European Central Bank
  • SDD CORE: STEP2 SEPA Direct Debit Transfer (for consumers)
  • SDD B2B: STEP2 SEPA Direct Debit Business-to-Business
  • SDD SCC: SEPA Card Clearing trough SDD
  • SCT SRTP: SEPA Request-to-Pay trough SCT and SCT Inst
  • SCT ERI: SEPA Extended Remittance Information trough SCT