How do I know if my IBAN is valid?

Paste it into the checker above. A valid IBAN passes three tests at once: its first two letters are a recognised IBAN country code, its total length matches that country's official specification, and its ISO 7064 MOD-97-10 check digits compute correctly. If all three pass you see a green 'Valid IBAN' verdict; if any fails, the exact problem is listed.

How many digits should an IBAN have?

It depends on the country. An IBAN can be up to 34 characters, but each country has one fixed length — Germany is 22, the United Kingdom is 22, France is 27, the Netherlands is 18. The checker knows the required length for every IBAN country and flags a mismatch. There is no single universal length.

What are the last two check digits in an IBAN?

The two digits are actually near the start — characters 3 and 4, right after the country code (e.g. the '89' in DE89…). They are a checksum computed from the rest of the number using ISO 7064 MOD-97-10. Their job is to catch typos: change any single character and the checksum no longer resolves to 1.

Does Sri Lanka use IBAN?

No. Sri Lanka is not part of the IBAN scheme. To receive an international transfer into a Sri Lankan account you give the sender your account number, branch code and the bank's SWIFT/BIC code instead. This tool validates IBANs for the countries that use them — useful when you pay or refund an overseas client or supplier.

How is the IBAN check digit calculated?

Move the first four characters (country code + check digits) to the end, replace each letter with two digits (A=10 … Z=35), read the result as one large number, and take it modulo 97. The IBAN is valid only if the remainder is 1. Equivalently, the check digits equal 98 minus the MOD-97 of the rest plus '00'. This tool computes it both ways as a cross-check.

Is my IBAN sent anywhere when I check it?

No. The entire validation runs in your browser with JavaScript — the number never leaves your device, is never uploaded, and is not logged. You can disconnect from the internet and the checker still works.

Does a valid IBAN mean the account really exists?

No. A 'valid' result means the number is structurally correct and the checksum holds — it rules out typos and impossible numbers. It cannot confirm that a real, open account sits behind it; only the receiving bank can do that. Always double-check the recipient's name and bank with the counterparty before sending money.

Can this tool tell me the bank name or SWIFT/BIC?

It shows the bank and branch codes that the IBAN itself encodes for major countries, but not the bank's name or SWIFT/BIC — mapping a code to a bank needs a licensed commercial dataset. For Sri Lankan banks, use the site's SWIFT code and bank branch finders instead.

Finance · Global

IBAN Validator & Checker

Paste any International Bank Account Number to confirm it before a wire transfer. Checks the country, the exact length, and the ISO 7064 check digits — and extracts the bank code for major countries. Runs entirely in your browser; nothing is uploaded. No signup, no ads.

By Induwara Ashinsana— Executive Director, Ryzera TechnologiesUpdated Jul 2, 2026

Validate an IBANISO 13616

MOD-97-10 · 100% offline

Enter an IBAN

Spaces and hyphens are ignored. Nothing is uploaded — validation runs entirely in your browser.

Try an example

Valid IBAN

DE89 3704 0044 0532 0130 00

Country

🇩🇪 DE

Germany

Length

22 / 22

Matches country spec

Checksum

Pass

ISO 7064 MOD-97-10

Check digits

Characters 3–4

What the number encodes

Field	Value
Bank code (Bankleitzahl)	37040044
Account number	0532013000

Length & structure checked against the (89 countries). See sources below.

How it works

An IBAN (International Bank Account Number) is defined by ISO 13616. It is a single string of up to 34 characters made of three parts: a two-letter ISO 3166-1 country code, two check digits, and the BBAN (Basic Bank Account Number) whose length and layout are fixed per country by the SWIFT IBAN Registry. This checker validates in three stages, each matching the official standard.

Normalise & screen. All spaces and hyphens are removed and letters are uppercased. Any character outside A–Z / 0–9 is rejected, as is anything shorter than 5 or longer than 34 characters, or that does not start with two letters then two digits.
Country & length. The first two characters are read as the country code and looked up in a table built from the SWIFT IBAN Registry Release 99 (May 2025). If the code is unknown the IBAN is rejected; if the total length does not match the registry's required length for that country, the exact expected value is shown.
Checksum (ISO 7064 MOD-97-10). The first four characters are moved to the end, every letter is replaced by two digits (A=10 … Z=35), and the resulting all-digit string is reduced modulo 97. Because that number is far larger than 64 bits, the remainder is computed piecewise: rem = (rem × 10 + nextDigit) mod 97. The IBAN is valid only if the final remainder equals 1.

As an independent cross-check the tool also derives what the check digits should be — 98 − MOD-97(BBAN + country + "00") — and confirms they equal the two digits actually present. Both routes must agree for a green verdict. For 89 countries the length and structure come straight from the registry; for major countries (Germany, the UK, France, Spain, Italy, the Netherlands and more) the bank, branch and account offsets are mapped so the tool can split out what the number encodes. Every rule here is fixed by ISO 13616 and ISO 7064 — there is no estimation.

Worked examples

Valid German IBAN — DE89 3704 0044 0532 0130 00

Country DE is in the registry; required length 22, actual 22 ✓
Rearrange: move DE89 to the end → 370400440532013000DE89
Expand letters D=13, E=14 → 370400440532013000131489
Piecewise mod 97 of that number = 1 → checksum passes ✓
Verdict: VALID. Bank code 37040044, account 0532013000

Valid UK IBAN — GB82 WEST 1234 5698 7654 32

Country GB is in the registry; required length 22, actual 22 ✓
Rearrange: WEST12345698765432GB82
Expand W=32,E=14,S=28,T=29,…,G=16,B=11 → 3214282912345698765432161182
Piecewise mod 97 = 1 → checksum passes ✓
Verdict: VALID. Bank WEST, sort code 123456, account 98765432

Invalid — one digit changed — GB83 WEST 1234 5698 7654 32

Same length (22) and same country as the valid example above
But the check digits are now 83 instead of 82
Recomputing MOD-97-10 gives remainder 2, not 1
A single altered character breaks the checksum — this is exactly what the two check digits exist to catch
Verdict: INVALID — checksum failed

Frequently asked questions

Sources & references

The per-country length and BBAN structure table was last cross-checked against the SWIFT IBAN Registry Release 99 (May 2025) on 2026-07-02. It is reviewed whenever SWIFT publishes a new IBAN Registry release (roughly quarterly).

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Comments & feedback

Spotted a bug or want an improvement? Tell us — our team reviews every comment, and good ideas get built. Comments are public and anonymous.

Found a bug, edge case, or want a country's bank fields added?

Email me at [email protected] — most fixes ship within 24 hours.