Disclaimer
Disclaimer
BankCodeKit checks payment-code formats and local reference data only. It does not confirm real accounts, banks, legal status, fraud risk, or payment success.
Format Validation Only
What a passed format result means
BankCodeKit may check visible format, supported country, expected length, allowed characters, checksum rules, BIC/SWIFT structure, SEPA country reference data, and readable payment-detail formatting.
Passing these checks only means the value appears structurally valid according to supported rules. It does not confirm account existence, account ownership, bank connectivity, sanctions status, fraud risk, payment readiness, or payment success.
BIC and country-reference scope
A BIC result describes visible code segments and allowed character positions; it is not a live directory lookup. A SEPA result describes country-level reference data and does not establish that a particular institution, account, transfer type, or payment route participates in a scheme. Reference data can also change after a page review date.
What BankCodeKit Does Not Confirm
Information that remains external
The following questions require a bank, payment provider, current directory, compliance process, or direct confirmation from the recipient. They are deliberately outside a browser-local format check.
- Account existence.
- Account ownership.
- Payment readiness or payment success.
- Sanctions status.
- Bank connectivity, reachability, or live network access.
- Licensed directory status for a BIC/SWIFT code.
- Fraud risk or identity risk.
- Legal, tax, accounting, or regulatory status.
- Whether invoice or payment details are correct for a real payee.
Verify Before Sending Money
A practical verification step
Before sending money, verify the payee name, IBAN or account number, BIC/SWIFT code, amount, currency, payment reference, fees, and delivery method through a trusted bank, payment provider, invoice issuer, or recipient channel.
Treat BankCodeKit as a format review tool, not as approval or readiness confirmation to send a payment.
No professional or payment instruction
The site does not provide banking, legal, tax, accounting, compliance, sanctions-screening, or fraud-prevention advice. Tool output is not an instruction to initiate, approve, reject, or recover a payment. When a transaction is material, unusual, urgent, or based on changed payment details, obtain advice and confirmation from the appropriate bank, payment provider, professional adviser, or verified recipient contact.
Examples, Copies, and Downloads
Keep test data separate from payment instructions
Synthetic examples are labeled for testing and education and must not be used as payment instructions. Values copied from a tool or exported from a bulk check can remain sensitive because they may contain data supplied by the user. Review the destination, store files carefully, and delete temporary copies when they are no longer needed.