IBAN validator and parser

The International Bank Account Number (IBAN) identifies a bank account across borders in a standard format defined by ISO 13616. Before sending a payment or storing customer bank details, validating the IBAN catches typos that would otherwise cause rejected or misdirected transfers. This tool checks the format and checksum and breaks the number into its parts.

How to use it

1. Paste an IBAN, with or without spaces.
2. See whether it is valid, its country, check digits and BBAN.
3. Copy the friendly format with groups of four characters.

IBAN structure

• Country code: two letters, such as DE, GB or FR.
• Check digits: two digits that protect the whole number.
• BBAN: the national account number, including bank and branch codes, with a fixed length per country. Germany uses 22 characters in total, the UK 22, France 27.

How the MOD 97 check works

1. Move the first four characters to the end.
2. Replace each letter with two digits: A = 10, B = 11 ... Z = 35.
3. Compute the remainder of the resulting number divided by 97.
4. The IBAN is valid if the remainder is 1.

Example: GB82 WEST 1234 5698 7654 32 is the standard test IBAN and passes the check.

QR-IBAN

In Switzerland and Liechtenstein, a QR-IBAN has an institution identifier between 30000 and 31999 and is used with QR-bills that carry a structured reference.

What validation cannot tell you

A valid checksum proves the number is well-formed, not that the account exists or belongs to the named person. Many banks now offer confirmation-of-payee checks for that.