Free IBAN Validator (2025) – Instant MOD-97 Check, Bank/BIC & SEPA
IBAN Validator & Bank Code Checker
Validate IBAN codes from 70+ countries instantly. Professional tool with real-time validation, bank extraction, and SEPA compliance checking.
Try it now! Validate your first IBAN in seconds
Simply scroll down to the validator tool and enter an IBAN code. Or use one of our test examples to see how it works.
IBAN Validator Tool
Enter your IBAN below to validate and extract information
What is an IBAN?
The International Bank Account Number (IBAN) is a standardized international numbering system for identifying bank accounts across national borders. Originally developed by banks in the European Union to simplify cross-border transactions, it’s now used in over 70 countries worldwide.
An IBAN consists of:
- Country Code – Two-letter ISO code (e.g., IT, DE, FR)
- Check Digits – Two-digit validation number
- Bank Code – Identifies the financial institution
- Account Number – Your specific account identifier
Example: IT60 X054 2811 1010 0000 0123 456
How IBAN Validation Works
Our validator uses the official MOD-97 algorithm defined in ISO 13616 to ensure mathematical accuracy. Here’s the validation process:
1. Format Check
Verify the IBAN follows the correct country-specific format, including proper length and character pattern.
2. MOD-97 Calculation
Apply the MOD-97 algorithm to validate check digits and ensure mathematical integrity of the code.
3. Bank Extraction
Extract bank code from the IBAN structure and identify the financial institution where possible.
4. SEPA Check
Determine if the country is part of the SEPA zone for streamlined European payment processing.
Why Use Our IBAN Validator?
100% Accurate
Uses the official ISO 13616 MOD-97 algorithm for mathematically correct validation.
Privacy Protected
All validation happens in your browser. No data stored or transmitted to servers.
Lightning Fast
Real-time validation as you type with instant feedback and results.
Multilingual
Available in English, Italian, French, German, and Spanish languages.
Bulk Processing
Validate hundreds of IBANs at once and export results as CSV files.
Professional
Extracts bank codes and checks SEPA compliance automatically.
Supported Countries
We support IBAN validation for all 70+ countries that have adopted the IBAN system, including all EU and SEPA zone members.
…and 50+ more countries worldwide
Ready to Validate Your IBAN?
Join thousands of users who trust our free IBAN validator for accurate, secure bank code verification.
Start Validating NowFrequently Asked Questions
How do I find my IBAN?
Your IBAN is typically shown on your bank statements, online banking portal, or banking mobile app. You can also contact your bank directly to request your IBAN. In some countries, you can generate your IBAN using your account number and bank code.
Is my IBAN data safe with this validator?
Absolutely! All validation is performed entirely in your browser using JavaScript. We never send your IBAN to any server, store it in databases, or transmit it over the internet. Your privacy and security are our top priorities. The validator works 100% client-side.
What’s the difference between IBAN and SWIFT/BIC?
An IBAN identifies a specific bank account, while a SWIFT/BIC code identifies the bank itself. For international transfers, you typically need both: the IBAN to specify the destination account and the BIC to identify the recipient’s bank institution.
Can I validate multiple IBANs at once?
Yes! Our validator includes a bulk validation feature. Simply switch to the “Bulk Validation” tab in the tool above, enter multiple IBANs (one per line or in CSV format), and export the results as a CSV file for your records.
What is SEPA and why does it matter?
SEPA (Single Euro Payments Area) is a payment integration initiative that makes bank transfers across European countries as easy as domestic transfers. If both sender and recipient are in the SEPA zone, transfers are typically faster and have lower or no fees. Our validator automatically checks SEPA compliance.
Why does validation fail for my IBAN?
Common reasons for validation failure include: typos or incorrect characters, wrong IBAN length for the country, invalid check digits calculated by MOD-97, or country code not recognized. Double-check your IBAN with your bank statement or contact your bank for the correct IBAN format.
Key Benefits of IBAN Validation
Prevent Errors
Catch typos and formatting mistakes before making international transfers.
Save Money
Avoid costly transfer failures and return fees from incorrect IBAN codes.
Save Time
Instant validation means faster payment processing and fewer delays.
Bank Info
Automatically extract bank codes and identify financial institutions.
International
Support for 70+ countries makes global banking simple and reliable.
Mobile Friendly
Fully responsive design works perfectly on all devices and screen sizes.
IBAN Glossary
- IBAN
- International Bank Account Number – standardized format for identifying bank accounts internationally
- MOD-97
- Mathematical algorithm used to calculate and validate IBAN check digits (ISO 13616)
- SEPA
- Single Euro Payments Area – payment integration initiative making European transfers seamless
- BIC/SWIFT
- Bank Identifier Code – international code that identifies financial institutions
- Check Digits
- Two-digit number in IBAN used for validation and error detection
- BBAN
- Basic Bank Account Number – country-specific portion of the IBAN
Related Resources
This IBAN validator is free to use and respects your privacy. No registration required.
Last updated: 19 October 2025 | Supporting 70+ countries | ISO 13616 compliant