Validate any IBAN number online free. Instant MOD-97 verification for 80+ countries. Check format, country code, bank info and checksum. No sign-up needed.
Use the tool for free →Need to verify an IBAN before sending a wire transfer? Our free online IBAN checker validates any International Bank Account Number in under one second. Just paste the IBAN and get an instant result: valid or invalid, with details about the country, bank, branch, and account structure. The validation runs entirely in your browser — no data leaves your device, no registration required.
How to check if an IBAN is valid — An IBAN is valid when it passes three checks: (1) the first two letters must be a recognized ISO country code, (2) the total length must match the exact character count for that country (e.g., 22 for Germany, 27 for France, 22 for the UK), and (3) the two check digits after the country code must satisfy the MOD-97 algorithm defined in ISO 7064. This mathematical verification catches 99% of transcription errors, including swapped digits and mistyped characters. Our online IBAN checker performs all three checks simultaneously and shows you exactly what went wrong if the IBAN is invalid.
IBAN format by country — Each country that uses IBAN has a fixed length and structure. Germany (DE) uses 22 characters, France (FR) 27, United Kingdom (GB) 22, Spain (ES) 24, Italy (IT) 27, Netherlands (NL) 18, Belgium (BE) 16, Austria (AT) 20, Portugal (PT) 25, Switzerland (CH) 21, Poland (PL) 28, Turkey (TR) 26, Saudi Arabia (SA) 24, UAE (AE) 23, Brazil (BR) 29, Ireland (IE) 22, Denmark (DK) 18, Sweden (SE) 24, Norway (NO) 15, and Finland (FI) 18. The structure always starts with a 2-letter country code, 2 check digits, then the country-specific BBAN (Basic Bank Account Number). Our validator supports all 80+ IBAN countries with their exact format rules.
When you should verify an IBAN online — Always check IBAN numbers before international wire transfers to avoid rejected payments and bank fees of $15-30. Validate IBANs when setting up new supplier payments, onboarding customers for SEPA direct debit, processing payroll to foreign accounts, or receiving marketplace payouts. A single wrong digit can delay your payment by 3-10 business days or, worse, send money to the wrong account. Verification takes one second and can save you hundreds in fees and weeks of delays.
IBAN validation for business — If you run a business that handles international payments, IBAN verification should be part of your standard process. Verify supplier IBANs before the first payment, re-verify after any banking detail change, and use bulk validation when importing payment files. Our tool supports bulk IBAN checking — paste multiple IBANs (one per line) and validate them all at once. This is especially useful for accounts payable teams processing batches of invoices from European suppliers.
An IBAN (International Bank Account Number) is a standardized format for identifying bank accounts internationally. It starts with a 2-letter country code (e.g., GB for the UK, DE for Germany, FR for France), followed by 2 check digits, then the domestic account number. You need an IBAN to send or receive international wire transfers in SEPA countries and most of the world. Without a valid IBAN, your transfer will be rejected or delayed.
To check if an IBAN is valid, enter it in the validator above and click Validate. The tool checks three things automatically: (1) the country code is recognized, (2) the length matches the expected format for that country, and (3) the check digits pass the MOD-97 mathematical algorithm. You can also verify manually: move the first 4 characters to the end, convert all letters to numbers (A=10, B=11...Z=35), then divide the resulting number by 97. If the remainder is 1, the IBAN is valid.
IBAN validation checks three things: (1) the country code must be a valid ISO 3166-1 alpha-2 code, (2) the total length must match the expected length for that country (e.g., 22 characters for the UK, 27 for France, 22 for Germany), and (3) the check digits must pass the modulo 97 algorithm — the IBAN is rearranged, letters converted to numbers, and the result must be divisible by 97 with remainder 1. If any check fails, the IBAN is invalid.
No, the United States and Canada do not use IBAN. US banks use ABA routing numbers (9 digits) and account numbers for domestic transfers, and SWIFT/BIC codes (8 or 11 characters) for international transfers. If you need to send money to the US, you will need the recipient's routing number, account number, and the bank's SWIFT code instead of an IBAN.
Over 80 countries use IBAN, including all 27 EU member states, the UK, Switzerland, Norway, Iceland, Turkey, Saudi Arabia, UAE, Qatar, Israel, Brazil, and many others. The IBAN length varies by country: Germany (DE) has 22 characters, France (FR) 27, the UK (GB) 22, Spain (ES) 24, Italy (IT) 27, and the Netherlands (NL) 18. The shortest IBAN is Norway's at 15 characters; the longest is Saint Lucia at 32.
IBAN identifies a specific bank account — it tells you the country, bank, branch, and account number. SWIFT/BIC identifies a bank itself — it tells you which institution and branch to route the payment to. For international transfers, you typically need both: the SWIFT/BIC to identify the bank, and the IBAN to identify the account. Think of SWIFT as the address of the building, and IBAN as the apartment number.
Yes, the IBAN contains the bank identifier code within the BBAN portion. For example, in a German IBAN like DE89 3704 0044 0532 0130 00, the digits 37040044 identify Deutsche Bank. Our validator extracts and displays the bank name and branch information when available, helping you verify you are sending money to the right institution.
If you submit a payment with an invalid IBAN, the transfer will typically be rejected by your bank or the intermediary bank. This can result in returned payment fees (usually €5-25), delays of 3-10 business days, and frustration for both sender and receiver. In some cases, an IBAN that passes the checksum but has a wrong account number could send money to the wrong person — recovering those funds is difficult and time-consuming. Always validate before sending.
Your IBAN is usually printed on your bank statement, visible in your online banking app, on the back of your debit card (EU countries), or available by contacting your bank. In Europe, banks are required to provide your IBAN free of charge. If you only have a local account number, your bank can convert it to IBAN format.
Sharing your IBAN is generally safe and necessary for receiving payments. Unlike sharing a credit card number, knowing someone's IBAN alone is not enough to withdraw money — the account holder must authorize debits. However, only share your IBAN with trusted parties. In SEPA countries, Direct Debit mandates require explicit authorization before any debit can be processed against your account.
SEPA (Single Euro Payments Area) includes 36 countries where euro transfers are processed as domestic payments — same fees, same speed. It covers all 27 EU member states plus Iceland, Liechtenstein, Norway, Switzerland, Monaco, San Marino, Andorra, Vatican City, and the UK. SEPA transfers using valid IBANs typically arrive within 1 business day and cost the same as domestic transfers.
Yes, our IBAN checker supports bulk validation. Switch to Bulk Validation mode, paste multiple IBANs (one per line), and validate them all simultaneously. Each IBAN is checked independently and you get a clear valid/invalid result for every entry. This is useful for businesses processing batches of supplier IBANs or verifying payment files.
The most frequent IBAN errors are: transposed digits (writing 21 instead of 12), confusing similar-looking characters (O/0, I/1, l/1), copying the IBAN incompletely (missing the country code or last digits), and adding spaces or hyphens in wrong positions. Our validator catches all of these through the MOD-97 checksum, which detects 99% of single-character errors and digit transpositions.