IBAN calculator

You need the following information:

• Bank code: your bank's national identifier, which you'll find on your account statement, in your online banking portal under "Account details," or on your bank's website.
• Account number: your individual account number, usually 8 to 10 digits, also shown on every account statement and in your online banking portal.
• Branch code: identifies the specific branch or banking office associated with the account, where applicable under the country's banking system.

Enter the 3 pieces of information into the calculator, and your IBAN will be automatically calculated in line with the ISO 13616 standard and is ready to use immediately.

The length of an IBAN is country-specific and defined by the ISO 13616 standard, ranging from 15 to 34 characters. Some common lengths:

• France (FR): 27 characters
• Germany (DE): 22 characters
• Austria (AT): 20 characters
• Switzerland (CH): 21 characters
• Netherlands (NL): 18 characters

Within a given country, the IBAN length is always fixed. A French IBAN always has 27 characters. If an IBAN differs from this, it is formally invalid.

The IBAN calculator generates an IBAN based on the banking details entered. The result is formally correct, but does not replace official confirmation from your bank.

The most reliable sources for your IBAN are:

• Online banking: under "Account details" or "Account overview"
• Banking app: directly on the home screen or in the account profile
• Account statement: your IBAN appears on every statement
• Bank correspondence: for example, account opening documents or official communications

Tip: The fastest method is your banking app, where you can usually copy your IBAN with a single tap.

Two processes with different starting points:

• Calculating an IBAN: you have the bank code and account number, and the calculator generates the full IBAN from that data. The starting point is your bank details.
• Verifying an IBAN: you already have an IBAN, and the checker validates whether it is formally correct. The starting point is the complete IBAN.

If you have an unfamiliar IBAN and want to check its validity, use our IBAN checker. If you want to determine your own IBAN from your bank details, the IBAN calculator is the right tool.

No. The IBAN calculator mathematically generates the IBAN from the bank code and account number you enter, but accepts no liability for the accuracy of the input or the existence of the account.

Less than you might think, though some risk does exist. Here's an overview:

What is possible with your IBAN:

1. Making a transfer to your account
2. Setting up a SEPA direct debit, however, this requires a valid SEPA direct debit mandate that you have expressly authorized

What is not possible with your IBAN:

• Accessing your account
• Cash withdrawals
• Transfers or account modifications

What should you do if an unauthorized direct debit occurs?

A SEPA direct debit without your mandate can be reversed:

• Up to eight weeks after the debit, without needing to provide a reason
• Up to 13 months if no mandate was ever granted

Contact your bank directly to do so.

No. An IBAN and BIC (Bank Identifier Code) are public bank details, they identify an account and a bank, but do not grant any access.

What is required for genuine account access:

• Cash withdrawal: a physical card and a PIN
• Online transfer: banking credentials, a TAN, and two-factor authentication
• SEPA direct debit: a SEPA direct debit mandate that you have expressly authorized

An IBAN and BIC are designed to be shared, they appear on invoices, account statements, and bank correspondence without posing a security risk.

Important: your real security credentials are your PIN, TAN, and passwords. Never share them, regardless of who asks.