IBAN tool
IBAN Format & Checksum Checker
Review one IBAN locally for country support, expected length, allowed characters, and the MOD97-10 checksum. The result covers format only. No upload, no login, no persistent storage.
How the IBAN checker works
The tool removes spaces and hyphens, reads the country code, checks the expected length and allowed characters, and then runs the MOD97-10 checksum in the browser. When a check fails, the result names the rule that did not match so the supplied value can be compared with the original source document without guessing a correction.
IBAN rules evaluated locally
- 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.
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
| 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 remains outside an IBAN result
- 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 persistent 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.
IBAN checker sources
Public references for one-value IBAN structure and checksum checks are linked below; detailed standard scope, review methods, and licensing boundaries are documented on the Sources and Updates page.
Matching the cited format and reference data for one-value IBAN structure and checksum checks does not confirm account existence, ownership, bank reachability, or payment success. Read the detailed disclaimer.
Reference data reviewed: 2026-07-17 Next scheduled data review: 2026-10-17 Sources: Swift IBAN Registry Reference data is reviewed periodically. BankCodeKit does not perform live bank, account, sanctions, or payment-network confirmation.