BankCodeKit

Validation Evidence

Validation Test Cases and Data Review Log

BankCodeKit publishes fixed example inputs and expected local results so users can see what the IBAN, BIC/SWIFT, and SEPA tools are designed to check. These cases document format behavior only; they are not payment instructions or live account checks.

Public Test Cases

These examples are checked by the automated test suite against the same local validators used by the public tools. Do not use any example value for a real payment, invoice, onboarding flow, payout, or customer record.

Expected local validation results
Case Input Expected result Expected fields Limitation
Synthetic GB test IBAN GB43 TEST 1111 1111 1111 11 IBAN format, country length, and MOD97 checksum pass.
  • Country code: GB
  • Country name: United Kingdom
  • Expected length: 22 characters
  • Checksum: pass
 Passed format checks do not confirm a real account, account owner, bank reachability, fraud risk, sanctions status, or payment success. Verify with your bank or recipient before sending money.
Public Germany example/test IBAN DE89 3704 0044 0532 0130 00 IBAN format, country length, and MOD97 checksum pass.
  • Country code: DE
  • Country name: Germany
  • Expected length: 22 characters
  • Checksum: pass
 Passed format checks do not confirm a real account, account owner, bank reachability, fraud risk, sanctions status, or payment success. Verify with your bank or recipient before sending money.
Germany IBAN with invalid check digits DE88 3704 0044 0532 0130 00 Country and length are recognized, but MOD97 checksum fails.
  • Country code: DE
  • Expected length: 22 characters
  • Checksum: fail
  • Message: IBAN check digits failed MOD97-10 validation.
 Passed format checks do not confirm a real account, account owner, bank reachability, fraud risk, sanctions status, or payment success. Verify with your bank or recipient before sending money.
BIC8 visible format example DEUTDEFF BIC8 length and visible segment structure match.
  • Institution code: DEUT
  • Country code: DE
  • Location code: FF
  • Branch code: none
 A BIC format pass does not confirm bank existence, licensed directory status, Swift network connectivity, sanctions status, fraud risk, payment readiness, or payment success.
BIC11 visible format example NWBKGB2LXXX BIC11 length and visible segment structure match.
  • Institution code: NWBK
  • Country code: GB
  • Location code: 2L
  • Branch code: XXX
 A BIC format pass does not confirm bank existence, licensed directory status, Swift network connectivity, sanctions status, fraud risk, payment readiness, or payment success.
Germany country-level SEPA lookup DE Germany is found in local country-level SEPA reference data.
  • Country code: DE
  • Country name: Germany
  • SEPA status: in scope
  • Data review: 2026-05-16
 Country-level SEPA scope does not confirm bank participation, account eligibility, payment provider acceptance, or payment success.
Switzerland country-level SEPA lookup CH Switzerland is found in local country-level SEPA reference data.
  • Country code: CH
  • Country name: Switzerland
  • SEPA status: in scope
  • Group: Non-EEA
  • Data review: 2026-05-16
 Country-level SEPA scope does not confirm bank participation, account eligibility, payment provider acceptance, EU/EEA legal status, or payment success.
Norway country-level SEPA lookup NO Norway is found in local country-level SEPA reference data.
  • Country code: NO
  • Country name: Norway
  • SEPA status: in scope
  • Group: EEA
  • Data review: 2026-05-16
 Country-level SEPA scope does not confirm bank participation, account eligibility, payment provider acceptance, or payment success.
United Kingdom country-level SEPA lookup GB United Kingdom is found in local country-level SEPA reference data.
  • Country code: GB
  • Country name: United Kingdom
  • SEPA status: in scope
  • Group: Non-EEA
  • Data review: 2026-05-16
 Country-level SEPA scope does not confirm bank participation, account eligibility, payment provider acceptance, EU/EEA legal status, or payment success.

Data Review and Change Log

This log records when local validation behavior and reference data were reviewed. A review date means BankCodeKit compared the local data or explanation with public source material; it does not mean BankCodeKit performed live bank, account, sanctions, or payment-network checks.

Reference data review log
Date Area Source Review note Limitation
2026-06-21 Public validation evidence BankCodeKit local test suite Published fixed public test cases for IBAN, BIC/SWIFT, and SEPA tools, with automated tests that compare the examples against current local validators. This is a documentation and regression-test record; it is not live bank, account, sanctions, or payment-network verification.
2026-06-28 IBAN MOD97 and country length checks Swift IBAN Registry Reviewed local IBAN country-length data, visible format checks, and MOD97 checksum behavior against Swift IBAN Registry Release 102 - Jun 2026. Passed format checks do not confirm a real account, account owner, bank reachability, fraud risk, sanctions status, or payment success. Verify with your bank or recipient before sending money.
2026-06-28 BIC/SWIFT visible format checks Swift BIC / ISO 9362 information Reviewed BIC8/BIC11 visible segment checks against public Swift BIC / ISO 9362 information. BankCodeKit does not use a licensed BIC directory. Visible BIC format checks do not confirm bank existence, directory status, Swift network connectivity, sanctions status, fraud risk, payment readiness, or payment success.
2026-05-16 SEPA country-level reference data European Payments Council SEPA scheme countries list Reviewed local SEPA country data against EPC List of SEPA Scheme Countries v8.0, issued 2025-12-24. Country-level SEPA status does not confirm a specific bank, account, payment provider, or payment success.
2026-09-28 Next scheduled data review Review cadence Review cadence: quarterly, and sooner when Swift or EPC publishes source updates. Scheduled reviews update local reference data when source changes are confirmed; they do not add live account confirmation.

Maintainer Responsibility

The BankCodeKit site owner and developer maintain the local validation code, source notes, review dates, and public test cases. Corrections should be sent through the contact address with the page URL and the public source being compared. Do not send real IBANs, BICs, invoices, account numbers, CSV files, or other payment details.

What These Tests Cannot Prove

Passing test cases show that local format logic behaves as expected for the listed examples. They cannot prove a real account exists, that a person or company owns an account, that a bank can receive a payment, that a payment is safe, or that a transfer will succeed.