IBAN Validator — Check 80+ Countries

Validate IBAN numbers from 80+ countries with MOD-97 check digit verification. Detects country, bank, and format errors instantly.

IBAN Validator — Check International Bank Account Numbers

IBAN (International Bank Account Number) is a standardized format for identifying bank accounts internationally. It consists of a country code, check digits, and a bank account number. The check digits use the MOD-97 algorithm (ISO 7064) to detect transcription errors. This validator checks the format, length, and check digits for over 80 countries.

Enter or paste an IBAN to validate its structure instantly. The tool checks the country code, verifies the length matches the country's IBAN specification, and runs the MOD-97 checksum. For valid IBANs, it identifies the country and bank code so you can confirm the details match your expectations.

IBAN validation catches the most common payment errors: transposed digits, missing characters, and wrong country formats. The MOD-97 algorithm detects 98% of single-character errors and nearly all transposition errors. Validating IBANs before submitting payments prevents failed transfers, returned transactions, and associated bank fees.

Each country has its own IBAN format and length. Dutch IBANs are 18 characters (NL + 2 check digits + 4-letter bank code + 10-digit account number). German IBANs are 22 characters, UK IBANs are 22 characters, and French IBANs are 27 characters. The tool knows the correct format for each country.

A structurally valid IBAN does not guarantee the account exists or is active. IBAN validation confirms the number follows the correct format — verifying account ownership requires a bank-level check. For credit card number validation, use our Credit Card Validator.

How the IBAN Validator Works

  1. Enter or paste an IBAN number into the input field
  2. The tool checks the country code, length, format, and check digits
  3. See whether the IBAN is valid or invalid, with specific error details if incorrect
  4. For valid IBANs, view the detected country and bank information

How IBAN Validation Works

IBAN (International Bank Account Number) validation uses a modulo-97 check on the rearranged number. Each country has a fixed IBAN length and format — for example, Dutch IBANs are 18 characters (NL + 2 check digits + 4-letter bank code + 10-digit account). A valid format does not guarantee the account exists — it only means the number is structurally correct. For payment integrations, always validate IBANs before processing to catch typos early.

When to Use the IBAN Validator

Use this validator before processing international bank transfers, when entering payment details into accounting software, when receiving IBAN numbers from customers or suppliers, or when building payment forms that accept IBAN input. Catching format errors before submission prevents failed transactions, returned payments, and the bank fees that typically accompany them.

Common Use Cases

  • Verify customer IBANs before processing direct debit or wire transfers
  • Validate bank details in accounting and invoicing software
  • Check IBANs received via email or message for transcription errors
  • Build payment forms with real-time IBAN validation feedback
  • Confirm country and bank code extracted from an IBAN Credit Card Validator — Luhn Check Free

Expert Tips

  • Always validate IBANs before initiating payments — returned transactions typically cost €5-25 in bank fees.
  • Spaces in IBANs are formatting only and do not affect validity. The tool accepts IBANs with or without spaces.
  • For SEPA payments within Europe, IBAN is the only required bank identifier — you no longer need BIC/SWIFT codes for most EU transfers.
  • When building payment forms, validate the IBAN client-side for instant feedback and server-side for security — never trust client-side validation alone.

Frequently Asked Questions

Does a valid IBAN mean the account exists?
No. IBAN validation only confirms that the number follows the correct format and passes the MOD-97 checksum. It does not verify whether the account is open, active, or belongs to the person claiming it. Account existence can only be confirmed by the receiving bank.
How long is an IBAN?
IBAN length varies by country: Netherlands (NL) = 18 characters, Germany (DE) = 22, UK (GB) = 22, France (FR) = 27, Belgium (BE) = 16. The validator knows the correct length for each country and flags mismatches.
What do the check digits do?
The two digits after the country code are check digits calculated using the MOD-97 algorithm. They detect transcription errors — if you mistype a single character, the check digits will almost certainly not match, and the validator will flag the IBAN as invalid.
Can I validate IBANs from any country?
This validator supports over 80 countries that use the IBAN system. Most European, Middle Eastern, and North African countries use IBANs. The US and Canada do not use IBANs — they use routing numbers and account numbers instead.

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