Iban Checker

What Is IBAN?

IBAN (International Bank Account Number) is a standardized format for identifying bank accounts across international borders. It streamlines cross-border payments by providing a unique, error-checked identifier for each account, reducing processing delays and transfer errors.

An IBAN consists of a two-letter country code, two check digits, and a Basic Bank Account Number (BBAN). The BBAN combines your domestic bank’s routing details—such as branch codes—with your local account number. IBAN lengths and structures vary by country, up to 34 alphanumeric characters.

Used alongside the recipient’s name and address, IBANs ensure funds reach the correct account. They are mandatory for euro-zone transfers (SEPA) and widely adopted worldwide for both domestic and international transactions.

How Is an IBAN Structured?

• Country Code (2 letters): ISO 3166-1 alpha-2 country identifier (e.g., “DE” for Germany, “GB” for the United Kingdom).
• Check Digits (2 numbers): Calculated via a mod-97 algorithm to validate the IBAN’s integrity.
• BBAN (up to 30 alphanumeric characters): Contains bank-specific details—such as bank and branch codes—and the domestic account number.

Where Can I Find My IBAN?

Most banks display your IBAN in your online banking portal, printed on account statements, or on the front of your debit card. If you’re unsure, log into your internet banking app or contact your bank’s customer service to retrieve the correct IBAN.

When Do You Need an IBAN?

Whenever you send or receive funds across borders—especially within Europe under SEPA rules—you’ll be required to provide the recipient’s IBAN. Even outside SEPA, many banks now use IBAN for international wire transfers to ensure accuracy and speed.

Why Don’t All Countries Use IBAN?

IBAN adoption is voluntary, and not all banking systems have implemented it. In non-IBAN countries, you’ll typically use the local account number, bank routing or sort code, and the SWIFT/BIC code for international transfers.

What Is a SWIFT/BIC Code?

A SWIFT (Society for Worldwide Interbank Financial Telecommunication) or BIC (Bank Identifier Code) is an 8–11 character code that identifies a specific financial institution worldwide. It consists of:

• Bank Code (4 letters): Identifies the institution.
• Country Code (2 letters): ISO country identifier.
• Location Code (2 alphanumeric): Specifies the head office.
• Branch Code (3 optional characters): Identifies a specific branch.

What Is a Check Digit?

The check digits in an IBAN ensure the entire number is valid before funds are transferred. Calculated using the ISO 7064 mod-97 algorithm, they help detect typos and transposition errors. While check digits confirm format integrity, they do not verify account ownership—that remains the bank’s responsibility.