IBAN Number Validator
Validate International Bank Account Numbers with instant verification, checksum calculation, and format validation for all SEPA countries
IBAN Number Validator
What is an IBAN (International Bank Account Number)?
An International Bank Account Number (IBAN) is a standardized international numbering system developed by the International Organization for Standardization (ISO) and the European Committee for Banking Standards (ECBS) to identify bank accounts across national borders. The IBAN system is primarily used in Europe and other regions for international money transfers.
IBAN Structure
DE89 3704 0044 0532 0130 00
Key Features
- •Standardized format across participating countries
- •Built-in error detection through checksum validation
- •Facilitates automated payment processing
- •Reduces payment errors and processing time
Technical Implementation and Validation
Mod-97 Algorithm
IBAN validation uses the ISO 13616 mod-97 algorithm for checksum verification:
Example Calculation
Country-Specific Rules
Each country has specific IBAN formatting requirements:
Applications and Use Cases
Banking & Finance
- • International wire transfers
- • SEPA credit transfers
- • Direct debit mandates
- • Account verification
- • Payment processing
- • Compliance validation
Business Operations
- • Payroll management
- • Vendor payments
- • Customer refunds
- • Subscription billing
- • International trade
- • Financial reporting
Software Development
- • Payment gateway integration
- • Banking API validation
- • Form input validation
- • Data quality assurance
- • Financial software testing
- • Compliance automation
Real-World Scenarios
E-commerce Platform
An international e-commerce platform validates customer IBAN numbers during checkout to ensure refunds can be processed correctly, reducing failed transactions and customer service inquiries.
Payroll System
A multinational company uses IBAN validation to verify employee bank accounts before processing salary payments, ensuring compliance with local banking regulations across different countries.
How to Use the IBAN Validator: Step-by-Step Tutorial
Single IBAN Validation
Enter IBAN Number
Type or paste the IBAN you want to validate. Spaces are automatically handled.
Click Validate
The system performs mod-97 checksum validation and format verification.
Review Results
See validation status, country information, and formatted IBAN.
Bulk Validation
Prepare IBAN List
Create a list of IBANs, one per line in the bulk validation textarea.
Validate All
Click "Validate All IBANs" to process the entire list simultaneously.
Analyze Results
Review the validation summary and individual results for each IBAN.
Best Practices
Always Validate Before Processing
Validate IBANs before initiating any financial transactions to prevent errors.
Use Country Selection
Select the appropriate country to generate sample IBANs for testing.
Data Security
All validation is performed client-side for maximum security and privacy.
Common Validation Errors
Practical Examples and Use Cases
Valid IBAN Examples
Invalid IBAN Examples
Integration Examples
JavaScript Validation
Python Implementation
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Random Number Generator
Generate secure random numbers for testing and validation purposes
Frequently Asked Questions
What is the difference between IBAN and SWIFT codes?
IBAN identifies specific bank accounts, while SWIFT codes identify banks or financial institutions. IBAN is used for account identification in transfers, whereas SWIFT codes route the transfer to the correct bank. Both are often required for international wire transfers.
Can I validate IBANs for all countries?
Our validator supports all countries that have adopted the IBAN standard, including all EU member states, plus Norway, Switzerland, Iceland, Liechtenstein, and many other countries. We support over 35 countries with their specific formatting rules and length requirements.
Is my data secure when using this validator?
Yes, all IBAN validation is performed entirely in your browser using client-side JavaScript. No IBAN data is transmitted to our servers or stored anywhere. The validation happens locally on your device, ensuring maximum privacy and security for sensitive financial information.
Why do some valid-looking IBANs fail validation?
IBAN validation involves multiple checks: country code recognition, length verification, character validation, and most importantly, the mod-97 checksum algorithm. Even if an IBAN looks correct, it must pass the mathematical checksum test. The check digits are calculated using a specific algorithm, and any error in the account number will cause validation to fail.
Can I use this tool for commercial purposes?
Yes, this IBAN validator is free to use for both personal and commercial purposes. However, for high-volume commercial applications, we recommend implementing server-side validation and considering additional verification steps, such as bank account verification services for critical financial operations.
What should I do if an IBAN validation fails?
If validation fails, first check for common errors: typos in the account number, incorrect country code, missing or extra characters, or wrong check digits. Double-check the IBAN with the account holder or their bank. Some older account numbers may need to be converted to IBAN format by the issuing bank.
How accurate is the mod-97 algorithm?
The mod-97 algorithm used in IBAN validation is highly accurate and can detect most common errors including single digit errors, transposition of adjacent digits, and many other types of data entry mistakes. However, it's not 100% foolproof - there's approximately a 1 in 97 chance that an incorrect IBAN could still pass validation due to coincidental checksum matching.
Can I validate IBANs in bulk for large datasets?
Yes, our tool supports bulk validation where you can paste multiple IBANs (one per line) and validate them all at once. For very large datasets (thousands of IBANs), consider breaking them into smaller batches for optimal performance. The bulk validation feature provides a summary of valid vs invalid IBANs.
Built with precision and security in mind. All validation performed client-side for maximum privacy.
Supporting international banking standards and SEPA compliance requirements.