IBAN checker: free IBAN validation

An IBAN can be checked for formal validity in seconds. Our IBAN checker automatically analyzes three criteria:

• Length: does the number of characters match the country's standard?
• Format: does the IBAN correctly begin with the country code and check digit?
• Check digit: is it mathematically correct according to the Modulo-97 method (ISO 13616)?

No. The IBAN checker verifies validity based on mathematical and structural criteria, but accepts no liability for the accuracy of the data entered or the existence of the account.

Yes. The IBAN checker supports IBANs from all common SEPA countries as well as many other countries worldwide. Verification is carried out according to the country-specific format and correct character length.

Enter the full IBAN and the tool will automatically recognize the country using the country code and apply the corresponding verification rules.

Note: For countries outside the SEPA zone, support may be limited. If in doubt, we recommend confirming the IBAN directly with the issuing bank.

The first two letters of every IBAN are the country code according to ISO 3166-1. They immediately indicate which country the bank account is from.

Some common country codes:

• FR – France
• DE – Germany
• CH – Switzerland
• AT – Austria
• GB – United Kingdom
• NL – Netherlands
• ES – Spain

Two check digits follow the country code. The BBAN starts at position 5 (Basic Bank Account Number), and its structure varies by country. Our IBAN checker automatically recognizes the country and verifies the format accordingly.

Depending on the country, the IBAN calculator can generate the IBAN directly from the bank code and account number. The result is formally correct, but does not replace confirmation from your bank.

The most reliable sources for your IBAN are:

• Account statement: your IBAN appears on every statement
• Online banking: in "Account details" or your profile settings
• Banking app: usually directly on the account overview page
• Bank correspondence: account opening documents or official communications from your bank

For accounts outside of the EU, the tool currently supports only certain country formats. Please check directly with your bank in that case.

Less than many people fear, but there is a risk. Here's an overview:

What is possible with your IBAN:

1. Transferring money 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 giving any reason
• Up to 13 months: if no mandate was clearly in place

Contact your bank directly to do so. 

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

What is required for genuine account access:

• Cash withdrawal: physical card and PIN
• Online transfer: banking credentials, 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 these with anyone, regardless of who is asking.