IBAN Validator
Validate International Bank Account Numbers with mod-97 checksum and country structure verification. 100% client-side.
ℹ️ Note: This tool validates the format of an IBAN (checksum + country structure). It does not verify that the account exists, is active, or belongs to the person you think it does. Always confirm recipient details with the bank for large transfers.
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📋 Sample IBANs (from ISO 13616 registry)
These are published example IBANs from the official ISO spec. Use them to test the validator.
🔒 100% private: All validation happens in your browser. Your IBAN is never uploaded. Follows ISO 13616 and ISO 7064 (mod-97).
About IBAN Validator
An IBAN (International Bank Account Number) is a standardized international numbering system for identifying bank accounts across borders. Defined by ISO 13616, an IBAN can be up to 34 alphanumeric characters: a 2-letter country code, 2 check digits, and a country-specific Basic Bank Account Number (BBAN) of up to 30 characters. IBANs are used for SEPA transfers in Europe and increasingly for international payments. Every IBAN includes a mod-97 checksum (the two check digits) that detects the vast majority of typos. This tool validates that checksum, detects the country, verifies that the BBAN length matches the country standard, and provides a detailed structure breakdown.
How It Works
- Enter an IBAN (spaces and lowercase are handled automatically).
- The tool extracts the country code and check digits.
- The mod-97 checksum is calculated and verified.
- The country-specific BBAN structure is validated.
- See a detailed breakdown of the IBAN components.
✨ Key Features
- ✓Mod-97 checksum validation (ISO 7064)
- ✓Country detection (80+ countries)
- ✓BBAN length validation for each country
- ✓Country flag emoji
- ✓Structure breakdown: country, check digits, BBAN
- ✓Bank code, branch code, account number extraction (where applicable)
- ✓Detailed step-by-step of the mod-97 computation
- ✓Spaces and lowercase handled automatically
- ✓Sample IBANs for testing
- ✓100% client-side — no data sent to any server
🎯 Common Use Cases
- →Validating an IBAN before making a bank transfer
- →Debugging IBAN format errors in a payment form
- →Learning IBAN structure by example
- →Checking an IBAN received from a client or vendor
- →Building a payment form with client-side validation
- →Verifying test IBANs during development
- →Understanding the difference between IBAN and SWIFT/BIC
- →Confirming the country of a foreign bank account
💡 Advanced Tips & Pro Insights
- ▸An IBAN has no intrinsic routing information for money — it identifies an account. For actual transfers, you often need a SWIFT/BIC code (which identifies the bank) in addition to the IBAN.
- ▸IBAN format: CCkk + BBAN. CC = 2-letter country code (ISO 3166-1 alpha-2). kk = 2 check digits. BBAN = country-specific up to 30 chars.
- ▸The mod-97 checksum: move the first 4 characters to the end, convert letters to numbers (A=10, B=11, ..., Z=35), then the entire number mod 97 must equal 1.
- ▸Never trust an IBAN alone for a high-value transfer. Cross-check the account holder name with the bank. This is called "Confirmation of Payee" (CoP) in the UK and similar systems in other countries.
- ▸IBANs are not the same as SWIFT/BIC codes. An IBAN identifies the account; a BIC identifies the bank and branch. Both are often needed for international wires.
Frequently Asked Questions
Is this IBAN validator free?▾
Yes, this IBAN validator is completely free with no signup, email, or usage limits.
Is my data safe?▾
Yes, 100% safe. All validation happens in your browser. Your IBAN is never uploaded to any server.
What is an IBAN?▾
An IBAN (International Bank Account Number) is a standardized identifier for bank accounts used in international payments. It is defined by ISO 13616 and can be up to 34 characters: a 2-letter country code, 2 check digits, and a country-specific BBAN.
Does a valid IBAN mean the account exists?▾
No. This tool validates the FORMAT (checksum and length) of an IBAN. It does not verify that the account actually exists, that it belongs to the person or business claiming it, or that it is active. Always confirm recipient details with the bank for large transfers.
What is mod-97?▾
Mod-97 (ISO 7064) is a checksum algorithm used in IBANs. To validate: move the first 4 characters to the end, convert letters to numbers (A=10, ..., Z=35), then take the entire number mod 97. If the result is 1, the IBAN is valid.
Which countries use IBAN?▾
IBAN is used primarily in Europe (all SEPA countries), plus many Middle East, Africa, and Latin America countries — over 80 in total. The US, Canada, Australia, and a few other countries do not use IBANs; they use local routing numbers instead.
What is the difference between IBAN and SWIFT/BIC?▾
An IBAN identifies a specific bank account. A SWIFT/BIC code identifies the bank itself (and often the specific branch). For international transfers, you typically need both: the IBAN to identify the destination account and the BIC to route the payment to the bank.
Does it work for US bank accounts?▾
No. The US does not use IBANs. US accounts use routing numbers (ABA) and account numbers. IBAN validation only works for countries that have adopted the IBAN standard.