International IBAN Validator & Checker
Verify any International Bank Account Number using official ISO 13616 specifications, ISO/IEC 7064 MOD-97 checksum calculation, and bank identification.
80+
Countries
MOD-97
ISO 7064 Check
SEPA
Verified
Enter IBAN to Verify
Paste or type any International Bank Account Number with or without spaces.
How IBAN Routing Works for Cross-Border Transfers
Understand the difference between SEPA transfers, global wires, and how check digits protect against loss.
ISO 7064 Check Digits
The two digits following the country code are mathematically calculated using Modulo 97. If even a single digit is mistyped, the checksum fails immediately.
SEPA Credit Transfers (SCT)
Within the 36 SEPA member states in Europe, Euro payments route using only the IBAN, clearing within 1 business day with low or zero cross-border fees.
Non-SEPA International Wires
For payments to non-SEPA nations (e.g. UAE, Saudi Arabia, Pakistan, Brazil), sending banks require both the recipient IBAN and the bank's SWIFT/BIC code.
Does the United States use IBAN?
No. United States financial institutions do not issue IBANs. US bank accounts use a 9-digit ABA Routing Transit Number + Account Number, and SWIFT codes for international wires.
Privacy & Security
An IBAN can only receive money. Third parties cannot withdraw funds from your account using only an IBAN without explicit direct debit authorization.
Compare Transfer Rates
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Frequently Asked Questions
Answers to common questions regarding International Bank Account Numbers.
Transferring Money Across Borders?
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