IBAN Calculator
Generate and validate International Bank Account Numbers (IBAN) for over 70 countries. Convert domestic bank codes and account numbers to IBAN format, or validate existing IBANs with the MOD-97 algorithm. Perfect for international payments, banking, and financial professionals.
What Is an IBAN?
IBAN (International Bank Account Number) is an internationally recognized system for identifying bank accounts across national borders. It was originally developed by the European Committee for Banking Standards (ECBS) and later adopted as the international standard ISO 13616. IBANs are used to facilitate cross-border payments and reduce errors in international money transfers.
An IBAN can be up to 34 characters long and consists of:
- Country Code (2 letters): ISO 3166-1 alpha-2 code (e.g., DE for Germany, GB for United Kingdom)
- Check Digits (2 digits): Calculated using the MOD-97 algorithm (ISO 7064) to validate the IBAN
- BBAN (Basic Bank Account Number): The domestic bank account number, which includes bank code, branch code, and account number
IBANs are used in over 70 countries worldwide, primarily in Europe, the Middle East, and parts of Africa and South America.
How Does the IBAN Calculator Work?
The calculator supports two modes:
Generate Mode: Converts domestic bank details to an IBAN
1. Select the country of the bank account
2. Enter the bank code and account number
3. The calculator constructs the BBAN, calculates the check digits using the MOD-97 algorithm, and formats the IBAN
Validate Mode: Checks if an IBAN is valid
1. Enter an IBAN number
2. The calculator validates the country code, length, and check digits using the MOD-97 algorithm
3. The result shows whether the IBAN is valid or invalid
The MOD-97 algorithm works by moving the first four characters of the IBAN to the end, converting letters to numbers (A=10, B=11, ... Z=35), and then computing the remainder when divided by 97. A valid IBAN will have a remainder of 1.
Why Use This IBAN Calculator?
- Generate IBANs: Convert domestic bank codes and account numbers to IBAN format for over 70 countries.
- Validate IBANs: Check if an existing IBAN is correctly formatted and valid using the MOD-97 algorithm.
- Country-Specific Formats: Supports country-specific BBAN structures and IBAN lengths.
- Visual Breakdown: A chart shows the structure of the IBAN and its components.
- Free & Private: No registration, no data storage.
IBAN Length by Country
- Belgium (BE): 16 characters
- Norway (NO): 15 characters
- Germany (DE): 22 characters
- France (FR): 27 characters
- United Kingdom (GB): 22 characters
- Brazil (BR): 29 characters
- Jordan (JO): 30 characters (maximum length)
❓ IBAN Calculator FAQ
What is an IBAN number?
IBAN (International Bank Account Number) is a standardized format for identifying bank accounts internationally. It consists of up to 34 alphanumeric characters, including a country code, two check digits, and a domestic account number (BBAN).
How do I generate an IBAN?
Select "Generate IBAN" mode, choose your country, enter your bank code and account number, and click "Calculate". The tool will construct the BBAN, calculate the check digits using the MOD-97 algorithm, and display your IBAN.
How do I validate an IBAN?
Select "Validate IBAN" mode, enter the IBAN number, and click "Calculate". The tool will check the country code, length, and check digits using the MOD-97 algorithm and tell you if the IBAN is valid.
What is the MOD-97 algorithm?
The MOD-97 algorithm is the international standard (ISO 7064) for calculating and validating IBAN check digits. It involves converting letters to numbers (A=10, B=11, ... Z=35), rearranging the IBAN, and computing the remainder when divided by 97. A valid IBAN will have a remainder of 1.
What is the difference between an IBAN and a SWIFT/BIC code?
An IBAN identifies a specific bank account, while a SWIFT/BIC code identifies a specific bank. Both are often required for international money transfers — the BIC tells which bank, and the IBAN tells which account at that bank.
How long is an IBAN?
IBANs vary in length by country, ranging from 15 to 34 characters. For example, Norway has 15 characters, Germany has 22, France has 27, and Jordan has 30.
Which countries use IBAN?
IBAN is used in over 70 countries worldwide, primarily in Europe, the Middle East, and parts of Africa and South America. Major countries include Germany, France, the UK, Italy, Spain, and Brazil.
What is a BBAN?
BBAN (Basic Bank Account Number) is the domestic part of an IBAN. It includes the bank code, branch code, and account number. The format and length of the BBAN vary by country.
Can I use this calculator for any country?
This calculator supports over 70 countries that use the IBAN standard. If your country is not in the list, it may not use IBAN or may not be supported yet.
What are the check digits in an IBAN?
The check digits are the third and fourth characters of an IBAN. They are calculated using the MOD-97 algorithm and are used to validate the correctness of the entire IBAN. If the check digits don't match, the IBAN is invalid.
Is a valid IBAN guaranteed to have money in the account?
No. A valid IBAN only means the format and check digits are correct. It does not guarantee that the account exists, has funds, or is active. Banks use additional verification processes for payments.
How do I find my IBAN?
You can usually find your IBAN on your bank statement, in your online banking portal, or by using this calculator if you know your bank code and account number.
What is the purpose of the country code in an IBAN?
The country code (first two characters) identifies the country where the bank account is held, following the ISO 3166-1 alpha-2 standard. For example, DE for Germany, GB for United Kingdom.
Can I convert a domestic account number to an IBAN?
Yes, the "Generate IBAN" mode does exactly this. You provide your country, bank code, and account number, and the calculator generates the corresponding IBAN.
What is the difference between IBAN and IBAN validation?
IBAN generation creates an IBAN from domestic details. IBAN validation checks if an existing IBAN is correctly formatted and has valid check digits. This calculator supports both functions.
Why do I need an IBAN for international transfers?
IBANs are required for many international wire transfers to ensure the funds reach the correct bank account. They reduce errors and delays by standardizing account identification across borders.
What is the maximum length of an IBAN?
The maximum length of an IBAN is 34 alphanumeric characters. Some countries like Jordan have 30-character IBANs, while others like Malta have 31.
Is this IBAN calculator free to use?
Yes, this calculator is completely free to use. No registration or personal data storage is required. All calculations are performed in your browser.