Iban✓erify
IBAN Validation
Professional IBAN Validation — The Global Standard
IbanVerify delivers enterprise-grade International Bank Account Number (IBAN) validation trusted by financial institutions, e-commerce platforms, and treasury teams across 75+ countries. Our validation engine goes beyond simple format checking — it cross-references a continuously updated registry of active financial institutions to confirm that every IBAN you process maps to a real, operational bank account.
ISO 13616 Compliant Validation
Our IBAN validation fully implements the ISO 13616 standard, including MOD-97 check-digit verification, country-specific length rules, and BBAN format checks for every supported nation. Each validation result is sourced from authoritative banking registries, not merely a format matcher.
Compliance Tip: For cross-border payments under PSD2, SEPA, or SWIFT gpi, pre-validating IBANs before submission dramatically reduces rejection rates and reconciliation overhead.
Understanding the IBAN Structure
Adopted by the International Organization for Standardization and the European Committee for Banking Standards, the IBAN is a universally recognised account identifier that can be up to 34 alphanumeric characters long. Its layered structure encodes the country, a validation checksum, and the domestic bank account reference into one compact, portable string.
75+ Countries Supported
From the 36-character Norwegian NOxx XXXX XXXX XXX format to the 15-character Norwegian equivalent, every participating nation has a fixed IBAN length defined by its central bank. IbanVerify validates against all current IBAN country specifications, automatically selecting the correct ruleset based on the two-letter country prefix.
MOD-97 Check-Digit Verification
The two check digits embedded in every IBAN are calculated using the internationally standardised MOD-97-10 algorithm. IbanVerify recomputes these digits on every validation call, catching transposition errors, typos, and truncated account numbers before they cause a failed payment.
Why Organisations Trust IbanVerify for IBAN Validation
Cross-border payment failures cost businesses an estimated billions in returns, investigations, and reputational damage every year. IbanVerify eliminates the root cause by providing:
- Real-Time Format & Checksum Validation — Instantly verify country code, BBAN format, and MOD-97 check digits before any payment instruction is submitted
- Bank & Branch Intelligence — Retrieve the institution name, city, and BIC/SWIFT code associated with each validated IBAN for complete due diligence
- SEPA & Cross-Border Compliance — Support SEPA Credit Transfer, SEPA Direct Debit, and SWIFT payment pre-validation requirements in a single API call
- Payment Fraud Prevention — Detect structurally invalid or unregistered IBANs that could indicate fraudulent payee information or account takeover
- Onboarding Automation — Embed IBAN validation in supplier, customer, or employee onboarding workflows to eliminate incorrect bank details at the point of capture
- Cost Elimination — Avoid SWIFT return fees, SEPA R-transaction charges, and the operational cost of manual payment investigations
Enterprise Validation Infrastructure
75+ Countries
Full ISO 13616 country registry including all SEPA and non-SEPA participants
~0.1s Response
Average API response time under 100 ms with 99.9% uptime SLA
99.9% Accuracy
Sourced from official banking registries and cross-validated continuously
How to Validate an IBAN
- Enter the IBAN — Paste or type the full IBAN (15–34 characters) into the validator above. Spaces are stripped automatically.
- Instant Verification — IbanVerify checks the country prefix, validates the MOD-97 checksum, and queries our live banking database in milliseconds.
- Review Bank Details — Receive the institution name, country, city, and status in a clear result card.
- Process with Confidence — Submit your payment or onboard your payee knowing the IBAN has been verified against current banking records.
For Finance & Treasury Teams
Integrate IbanVerify's IBAN API into your ERP or treasury management system for bulk supplier payment validation and automated cross-border disbursements.
View Enterprise PlansDeveloper Resources
Explore REST API docs, SDKs for popular languages, and a live sandbox to integrate IBAN validation into your product in minutes.
API DocumentationThe World's Most Trusted IBAN Validator
IbanVerify processes millions of IBAN validations every month for banks, payment processors, e-commerce platforms, and global enterprises operating across 180+ countries. Our service maintains a 99.9% accuracy rate and a 99.9% uptime SLA. Whether you process 10 payments a day or 10 million, IbanVerify scales to your needs with the reliability your business demands.