IBAN Validator & Checksum Generator – ISO 13616 Mod-97 SEPA Wire Verification

An IBAN is an internationally agreed standard (ISO 13616) consisting of up to 34 alphanumeric characters used to uniquely identify an individual bank account across international borders, primarily across the European Union, UK, Middle East, and worldwide.

The MOD-97 check (ISO 7064) moves the first 4 characters to the end, converts letters into numbers (A=10, B=11... Z=35), and calculates the modulo 97 remainder. A mathematically valid IBAN always produces a remainder of exactly 1.

No. India does NOT use IBAN. For international wire transfers into Indian bank accounts, you must provide your standard Account Number + the bank’s SWIFT/BIC Code.

All 27 European Union countries, UK, Switzerland, Norway, UAE, Saudi Arabia, Qatar, Turkey, and over 80 countries worldwide require mandatory IBANs for processing bank payments.

SEPA (Single Euro Payments Area) is a cashless payment mechanism across Europe that allows fast, low-cost Euro cross-border transactions using IBAN numbers.

BBAN (Basic Bank Account Number) refers to the last 12 to 30 characters of the IBAN containing the specific national bank code, branch code, and customer account number formatted according to national rules.

No. An IBAN only allows money to be SENT into your account. No unauthorized third party can withdraw funds without your direct debit mandate or bank authentication.

Under ISO 13616, an IBAN can have a maximum length of 34 characters. For example, German IBANs are 22 characters, French IBANs are 27 characters, and Malta IBANs are 31 characters.