One transposed digit turns a valid IBAN into somebody else’s account. This checks that in your browser, in milliseconds.
Free finance tool
IBAN Validator
Check any European or international IBAN using the ISO 13616 MOD 97 checksum. Nothing you paste leaves your browser.
The MOD 97 check is math, not a bank lookup. A valid checksum proves the IBAN was typed correctly. It does not prove the account exists or belongs to a specific person — only the receiving bank can confirm that.
What each part of an IBAN means
The first two letters identify the country (DE for Germany, GB for the UK, FR for France, and so on). The next two digits are the ISO 13616 check digits, calculated so that the whole number passes a MOD 97 test. Everything after that is the country-specific BBAN, which typically encodes the bank code, branch code and account number, though the exact layout differs by country.
IBAN validator FAQ
How is an IBAN validated?
The ISO 13616 standard defines a MOD 97 checksum. The first four characters are moved to the end, letters are replaced with numbers (A=10, B=11, ... Z=35), and the resulting number is divided by 97. A valid IBAN produces a remainder of exactly 1. This tool runs that check in your browser without contacting any bank.
What is the difference between an IBAN and a BIC?
An IBAN identifies a specific account. A BIC (also called a SWIFT code) identifies the bank itself. For most international transfers inside SEPA you only need the IBAN; some non-SEPA transfers still ask for the BIC alongside it.
Which countries use IBAN?
All 27 EU member states, most other European countries (UK, Switzerland, Norway, Iceland), and a growing list of Middle Eastern, North African and Caribbean countries. The US, Canada, Australia and New Zealand do not use IBAN for domestic accounts — this validator covers around 70 countries that do.
Can I check an IBAN offline?
Yes, and this tool does exactly that. The MOD 97 checksum is pure math, so no server call is needed to detect a typo or a fake number. What offline validation cannot do is confirm whether the account actually exists or belongs to a specific person — for that, only your bank can help.
What does IBAN stand for?
International Bank Account Number. It was designed in the late 1990s to standardise how account numbers are written across borders, so a payment from Germany to Portugal can carry a single identifier that both banks understand without translation.
Is my IBAN sent to any server?
No. Validation happens entirely in your browser using JavaScript. Nothing you paste in leaves your device, which is safe for both your own IBAN and any client's bank details.
Free IBAN validator by ANUPRESS
What the MOD 97 check actually proves
Every IBAN carries two check digits in positions 3 and 4, calculated so the whole number passes an ISO 13616 MOD 97 test. Move the country code and check digits to the end, swap each letter for a number (A=10 through Z=35), divide by 97, and a valid IBAN leaves exactly 1 as the remainder. That check catches the vast majority of real-world typos: a digit transposed, a character dropped, a letter mistyped as a number. It is not the same thing as your bank confirming the account exists, but it is a strict enough test that a fake or corrupted IBAN almost never slips through.
IBAN vs BIC: when you need which
An IBAN identifies an account. A BIC (sometimes called a SWIFT code) identifies a bank. For any payment inside the Single Euro Payments Area (SEPA), the IBAN is enough on its own. Some non-SEPA international transfers still ask for both, or ask for the BIC as a routing hint. If you already have a working IBAN, most modern banking apps look up the BIC for you automatically.
Which countries this validator covers
Around 70 countries use IBAN, including all EU member states, the UK, Switzerland, Norway, Iceland, and a growing list of Middle Eastern, North African and Caribbean countries. This tool covers all of them. The United States, Canada, Australia and New Zealand do not use IBAN for domestic accounts; they have their own routing and account-number systems. If someone asks for your “US IBAN” it usually means they want your bank\’s SWIFT code plus your account number in a different format.
A common pattern: pasting an IBAN from an email
The most frequent moment people reach for a validator is right before a big transfer. You have an IBAN pasted from an invoice or a message, and you want to be sure you have not miscopied a digit before you hit send. Type or paste it above and the check runs instantly. If it comes back valid, that means the digits are internally consistent. Confirming the account really belongs to the person you think it belongs to is a separate step, and one only your bank or a small test transfer can do.