What this check does
The IBAN checker validates the country prefix, expected length and ISO 13616 Mod-97 checksum.
What is an IBAN?
An IBAN is an international bank account identifier used to route cross-border and SEPA payments. It combines a country code, check digits and a national account reference into one standard format.
What the result means
A valid result means the IBAN is structurally plausible for its country and passed checksum validation.
What the result does not prove
It does not prove the account exists, belongs to the named payee, or is safe to pay.
When businesses should use it
- New supplier onboarding
- Bank-detail change requests
- Pre-payment review for first payments
Example workflow
- Validate the IBAN.
- Compare country and bank details with the supplier record.
- For new or changed details, complete an independent callback before payment.
Data sources
IBAN country rules, checksum logic and available BIC or domestic bank reference data.
Limitations
Some countries expose more bank detail than others. IBAN validation is not confirmation-of-payee.