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An International Bank Account Number: up to 34 letters and digits that identify a bank account for payments, especially across borders. It starts with a two-letter country code and two check digits, followed by the country's own account number, called the BBAN, which usually includes a code for the bank. The format is set by the ISO 13616 standard, and SWIFT keeps the registry of each country's format.
Move the first four characters to the end, replace each letter with two digits (A becomes 10, B 11, and so on to Z, 35), and divide the resulting number by 97. If the remainder is 1, the check digits are right. This catches almost every single wrong character and almost every swap of two neighbouring characters. Many countries also put check digits of their own inside the account number; this tool checks those for 23 countries.
No. The checks only show that the IBAN is well formed and free of typing mistakes. Only the bank knows whether the account is open and whose it is. Most banks in the euro area now check the payee's name against the IBAN before a euro transfer (Verification of Payee), and the rest of the EU must follow by July 2027. UK banks have a similar check, Confirmation of Payee.
89 countries and territories are in SWIFT's IBAN Registry, including all of the EU, most of the rest of Europe, much of the Middle East and some countries in Africa and Latin America. The US, Canada, Australia, China, Japan and India don't use IBANs; payments there use national bank codes, such as a US routing number, and usually a BIC. A few countries, such as Morocco, Algeria and Iran, use IBAN-style numbers that aren't in the registry.
The IBAN identifies the account; the BIC, also called a SWIFT code, identifies the bank. A BIC has 8 or 11 characters: 4 for the bank, 2 for the country, 2 for the location, and an optional 3 for the branch. For euro payments within the EU and EEA the IBAN alone is enough. Elsewhere, including the UK and Switzerland, banks may still ask for the BIC.
In your online banking or banking app, usually under the account details, and on your bank statements. It's printed in groups of four, like DE89 3704 0044 0532 0130 00; when you type or paste it, spaces don't matter.
Generally yes: people need it to pay you, and it can't be used on its own to take money from your account. It can be misused to set up a direct debit, so keep an eye on your statements; in SEPA you can claim back a direct debit you didn't authorise for up to 13 months. This tool runs in your browser and doesn't save or send what you type.
Check digits that a country builds into its own account numbers, before the IBAN was invented: the RIB key in France, the CIN letter in Italy, the two control digits in Spain, or one of more than 140 methods German banks choose from. A typing mistake can sometimes pass the IBAN check and fail these, so the tool checks both where it can.
Free IBAN checker and decoder: validate any IBAN with the ISO 7064 MOD 97-10 check digits and the country's own account check digits, find the bank name and BIC for 44 countries, see the country, bank code, branch and account number, whether the country is in SEPA, and check a whole list of IBANs at once.