IBAN Checker

Formula and method

Check the SWIFT country code, fixed length and BBAN letter/digit structure. Move the first four characters to the end, replace A–Z with 10–35 and calculate the remainder modulo 97 digit by digit. A valid checksum leaves 1.

Worked example

Public SWIFT example DE89 3704 0044 0532 0130 00: 22 characters, German format, MOD97 remainder 1.

Assumptions and limits

Format snapshot: SWIFT IBAN Registry, release 103, September 2026; checked 22 October 2026. Unlisted country codes are rejected.
A pass does not confirm account existence, payment eligibility, payee identity or a BIC/SWIFT code. Additional domestic checksum rules are not checked.
The number is used only for local validation and is excluded from parameter-sharing links. Copying or downloading is initiated by you. Confirm bank details through a trusted channel before payment.

Frequently asked questions

Does a pass mean a payment is safe?

No. This checks only country format, length and the international checksum. A fraudulent number can satisfy those rules; confirm the account, payee and bank details separately.

Which formats and input styles are supported?

The 89 national formats in SWIFT Registry release 103 are supported. ASCII letters, digits and whitespace are accepted; letters are normalized to uppercase. Hyphens, punctuation and non-ASCII characters are rejected.

Does this look up a bank or payee name?

No. This makes no bank API calls and does not perform BIC lookup, account verification or name matching. The default number is a public SWIFT example for demonstration.

What is an IBAN, and do Chinese bank accounts have one?

An IBAN (International Bank Account Number) is the standard account format used in more than 80 countries and territories, mainly in Europe and the Middle East; it consists of a country code, 2 check digits and the domestic account number — a German IBAN has 22 characters. China, the US, Canada, Australia and others do not use IBANs: payments to accounts there use the SWIFT/BIC code plus the account number (and often an ABA routing number in the US). When paying or being paid by a European party that asks for an IBAN, it must be supplied, or the transfer may be returned or incur extra fees.

References

IBAN Checker practical guide and common questions

What does IBAN Checker calculate?

Paste a complete IBAN. Spaces are removed and lowercase ASCII letters become uppercase. The check runs in your browser. Check the SWIFT country code, fixed length and BBAN letter/digit structure. Move the first four characters to the end, replace A–Z with 10–35 and calculate the remainder modulo 97 digit by digit. A valid checksum leaves 1.

When is this useful?

Public SWIFT example DE89 3704 0044 0532 0130 00: 22 characters, German format, MOD97 remainder 1.

How do I enter the inputs?

Enter the inputs for IBAN Checker: IBAN (complete number). Calculate, check the units and assumptions, then copy or download the results.

How should I interpret the results?

Format snapshot: SWIFT IBAN Registry, release 103, September 2026; checked 22 October 2026. Unlisted country codes are rejected. A pass does not confirm account existence, payment eligibility, payee identity or a BIC/SWIFT code. Additional domestic checksum rules are not checked. The number is used only for local validation and is excluded from parameter-sharing links. Copying or downloading is initiated by you. Confirm bank details through a trusted channel before payment.

Where are my inputs processed?

IBAN Checker runs in this browser. Inputs are not uploaded to a calculation server; copying and CSV download require your action. The existing site analytics and advertising still load.