IBAN Validator
Verify Euro wire details for USA senders in seconds. Paste IBAN like DE89..., get valid/invalid plus country, check digits, length instantly offline with no signup with mod-97 checksum country-length tables plus bank-code parsing for transfers payroll and supplier payments across finance trade and payroll workflows plus penny-test advice and existence-versus-format warnings for exporters payroll yachts NGOs marketplaces and fund wires.
Validate an International Bank Account Number (IBAN) using its country check digits instantly in your browser. Free online IBAN validator.
Calculator Inputs
About IBAN Validator
Verify Euro wire details for USA senders in seconds. Paste IBAN like DE89..., get valid/invalid plus country, check digits, length instantly offline with no signup with mod-97 checksum country-length tables plus bank-code parsing for transfers payroll and supplier payments across finance trade and payroll workflows plus penny-test advice and existence-versus-format warnings for exporters payroll yachts NGOs marketplaces and fund wires.
CC + 2 check + BBAN. Rearrange, letters→numbers, mod97==1 valid per ISO 7064.
Spaces stripped, paste as printed. Structure only, not existence — bank confirms account. Local.
USA note: USA uses routing + account, not IBAN. Needed when sending to EU/UK.
Length: DE 22, FR 27, varies by country 15-32.
Limits: No SWIFT/BIC check.
MOD-97 checksums: Rearranged digits mod 97 must equal 1 — catching every single typo and most swaps. Austin exporters collecting $250,000 invoices validate before shipping goods on 09/22/2026.
Country tables: Lengths vary 15 to 34 chars by country prefix. Chicago payroll paying $2M EU contractors rejects wrong-length entries before bank fees bite.
Bank parsing: Embedded bank and branch codes identify the receiving institution for routing review. New York funds wiring $9M closes confirm codes match deal sheets.
Grant disbursement: Denver NGOs disbursing $400,000 field grants validate beneficiary IBANs offline where banking portals lag. Seattle marketplaces settling $1M payouts quarantine failures automatically.
Format versus funds: Valid format never proves account existence or balance — confirm first transfers with penny-test payments always.
Tuition collection: Boston universities collecting $8M foreign tuition validate IBANs before enrollment holds release. Philadelphia importers clearing $3M customs confirm broker accounts pre-shipment on 09/22/2026.
Remittance flows: San Francisco workers sending $400,000 monthly home validate family IBANs once, then reuse confidently. Phoenix snowbirds paying $250,000 EU property taxes confirm notary escrow details.
Crew payroll: Dallas oilfield services paying $6M crews validate rotating contractor accounts each hitch. Atlanta missions wiring $900,000 aid confirm field-partner banks before crises.
Check-digit demo: Show skeptics how transposed digits fail mod-97 — trust in the math replaces trust in typing.
Where it is used
USA freelancers billing German clients, importers paying EU suppliers, students sending tuition abroad, QA validating payment forms, and travelers confirming Airbnb host bank Austin exporters collect $250,000 invoices, Chicago payroll pays $2M contractors, Miami yachts provision $80,000 refits, Denver NGOs disburse $400,000 grants, Seattle marketplaces settle $1M payouts, and New York funds wire $9M closes Boston universities collect $8M foreign tuition, San Francisco remittances send $400,000 home monthly, Dallas oilfield pays $6M crews, Atlanta missions wire $900,000 aid, Phoenix snowbirds pay $250,000 EU taxes, and Philadelphia importers clear $3M customs.
How to use the IBAN Validator
- IBAN — enter the value (e.g. e.g. DE89370400440532013000).
- Calculate — press the Calculate button to see the result instantly above.
Formula
strip spaces upper → CC+2digits+BBAN → move 4 front, A=10..Z=35 → mod97 ==1 valid.
Examples
German IBAN
Typo catch
Spaced paste
Frequently Asked Questions
- Does a valid IBAN guarantee the account exists?
- No. Mod-97 validation confirms the number is structurally correct, but only the issuing bank can confirm the account belongs to you.
- Are spaces allowed?
- Yes. Spaces are stripped before validation, so you can paste an IBAN exactly as printed on your statement.
- Valid IBAN but transfer failed?
- Format validity never proves existence or funds. Confirm with penny-test payments before large wires.
- Spaces allowed?
- Yes for readability — validators strip spaces before the mod-97 check automatically.
- Which countries?
- 70-plus SEPA and affiliated countries, each with fixed lengths this tool enforces per prefix.
- Stored anywhere?
- No. Validation runs locally in your browser. No account numbers are uploaded or stored.