BankCodeKit

IBAN tool

IBAN Format & Checksum Checker

Check one IBAN code locally: country support, length, characters, and MOD97-10 checksum. Use this for a valid IBAN check or checksum review. Format checks only. No upload, no login, no storage.

Local browser check

Check an IBAN

Check IBAN country, length, characters, and checksum locally.

Spaces and hyphens are fine. No upload, no login, no storage, and no URL changes.

Copy is enabled after a valid IBAN format result.

No IBAN checked yet. Enter an IBAN or use the test example.

No IBAN checked yet

Enter an IBAN, or load the test example, then run a browser-local format and checksum check.

How the IBAN checker works

The tool removes spaces and hyphens, reads the country code, checks the expected length, and runs the MOD97-10 checksum in the browser.

What this tool checks

  • Whether the country code is in the supported IBAN registry data.
  • Whether the IBAN has the expected length for that country.
  • Whether the value uses allowed letters and digits.
  • Whether the check digits pass the checksum check.

IBAN check and checksum examples

  • valid IBAN check: a passed result means the visible country, length, characters, and checksum pass supported format checks.
  • IBAN checksum / checksum IBAN: the MOD97-10 check helps catch many typing mistakes but does not prove a real account.
  • check IBAN code: spaces and hyphens are normalized before the local browser check runs.
  • check IBAN UK: use the United Kingdom country page for UK length and format context, then run the value here.

Does a valid IBAN checksum mean the account exists?

No. A valid checksum means the visible value passed a supported structural check. It does not confirm the real account, account owner, bank reachability, fraud risk, sanctions status, or payment success.

Private IBAN checker: what stays in your browser

The IBAN is normalized and checked in the current browser session. BankCodeKit is designed so the value is not placed in the URL, stored for login accounts, or sent to analytics, advertising events, or a server-side lookup.

How to read IBAN checker results

IBAN result interpretation
Result What it means What to do next
Valid IBAN format The visible country, length, allowed characters, and checksum pass local checks. Verify the payee and payment details with your bank, provider, invoice issuer, or recipient.
Invalid checksum The value did not pass the MOD97-10 checksum after normalization. Compare the value with the original invoice or trusted source. Do not guess replacement digits.
Wrong length The country code may be recognized, but the number of characters does not match that country. Look for missing or extra characters copied from neighboring invoice text.
Unsupported country or invalid characters The value cannot be reviewed against the current local IBAN rules. Check the country code and source document before trying another payment workflow.

What this tool does not check

  • It does not confirm that an account exists.
  • It does not confirm account ownership.
  • It does not confirm bank connectivity, sanctions status, fraud risk, payment readiness, or payment success.
  • It does not contact banks, payment providers, or external APIs.

FAQ

Is my IBAN uploaded?

No. The check runs locally in your browser with no login or storage.

Does a passed checksum confirm account existence?

No. A passed checksum only means the visible format and check digits pass the supported structural check.

What does a valid IBAN check mean?

It means the visible value passed supported country, length, character, and MOD97 checksum checks. It does not confirm the account exists or belongs to the payee.

Why does an IBAN checksum fail?

Checksum failure usually means one or more characters were copied incorrectly, the country length is wrong, or the value is not an IBAN.

Can I use spaces or hyphens?

Yes. Spaces and hyphens are removed before the local format check.

Sources and update note

BankCodeKit uses local IBAN reference data and browser-local format rules for country, length, character, and checksum checks. Local IBAN data was reviewed 2026-06-28 against Swift IBAN Registry Release 102 - Jun 2026. BankCodeKit does not query Swift or any bank while you use the tool, and periodic review does not imply live accuracy.

  • Swift IBAN Registry Reference information for IBAN structure, country support, and format rules. Local IBAN data reviewed 2026-06-28 against Swift IBAN Registry Release 102 - Jun 2026.

Format checks only. This page does not confirm account existence, ownership, bank reachability, or payment success. Read the detailed disclaimer.

Last reviewed: 2026-06-28 Sources: Swift IBAN Registry Reference data is reviewed periodically. BankCodeKit does not perform live bank, account, sanctions, or payment-network confirmation.