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IBAN Code Checker

IBAN Code Checker

Check your bank’s IBAN code to receive or send international payments.

Check an IBAN Code

Generally, IBANs are 15 to 34 characters long

First 2 characters are the country code and must be alphabets.

Next 2 characters are the check digits and must be numeric.

Remaining characters form the BBAN, which is alphanumeric and includes the bank code, branch code, and account number (varies by country).

How are IBANs built?

Country Code

2-letter ISO code (e.g., DE, FR, GB)

Check Digits

2 digits calculated using the MOD-97-10 algorithm

BBAN

Combination of bank identifier, branch code, and account number

When do you need an IBAN?

You need an IBAN whenever you send or receive money from countries that use the IBAN system. Common scenarios include:

  • 01
    International payments to IBAN countries
  • 02
    SEPA transfers across the EU, EEA, and other SEPA-member states
  • 03
    Business payouts, supplier payments, and salary transfers in Europe
  • 04
    Receiving money from overseas when the sender’s bank requires an IBAN
  • 05
    Marketplace payouts, freelancer payments, and vendor settlements in IBAN-supported countries
When do you need an IBAN | Xflow

Validating an IBAN for a payment you are about to make?

Xflow lets Indian businesses send and receive international payments at transparent, mid-market-linked rates, with no hidden FX markup.

What is an IBAN checker?

An IBAN checker is a tool that verifies whether an International Bank Account Number is correctly formatted before you send money. It confirms three things: the two-letter country code is valid, the total length matches that country's fixed IBAN length, and the two check digits pass the MOD-97-10 calculation defined in ISO 7064. A valid result means the number is structurally correct. It does not confirm that the account is open or belongs to a specific person.

Is an IBAN checker the same as an IBAN validator?

Yes. "IBAN checker" and "IBAN validator" describe the same function: both verify an IBAN's country code, length and MOD-97 check digits. The two terms are used interchangeably. Xflow's IBAN validator does both, and also identifies the bank and breaks the IBAN into its component parts.

Common mistakes to look out for

Incorrect IBAN length

Missing or extra characters compared to the country’s fixed IBAN length.

Invalid check digits

The checksum doesn’t match the MOD-97 calculation, making the IBAN invalid.

Wrong country code

Using an incorrect or non-IBAN country code in the first two letters.

Typing mistakes in the BBAN

A wrong digit in the bank or account number, often caused by manual entry.

Paying a supplier in Europe or the Gulf?

Xflow settles the transfer fast, with upfront pricing and a FIRA for every payment.

What happens if you enter the wrong IBAN?

Entering an incorrect IBAN can disrupt your international payment. Banks may reject the transfer instantly if the checksum fails, or if the checksum is valid but the details are wrong, or the payment may even go to the wrong branch or account. Some banks return the funds automatically, while others may hold it for manual investigation. You may be charged return or investigation fees too.

More ways to find IBAN

Look up by country

To find a IBAN Code, kindly select the country, bank & city where the bank is located.

Xflow

Look up by bank

To find a IBAN Code, kindly select the country, bank & city where the bank is located.

Xflow

Skip the hidden fees. Send money using Xflow.

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Do you also require also require SWIFT?

Many transfers require both IBAN + SWIFT, check out our swift calculator

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Frequently asked questions

An IBAN (International Bank Account Number) is a standard format used in many countries for international payments. It includes a country code, check digits, and the customer’s bank and account details. The purpose of an IBAN is to make cross-border payments faster and reduce errors.
Banks in Europe, the UK, and other IBAN-using countries require an IBAN to process international payments. Without it, your transfer may be delayed or rejected. You do not need an IBAN for transfers to the US, Canada, Australia, India, and other non-IBAN countries.
No. IBAN identifies the specific bank account. SWIFT/BIC identifies the bank. Many international transfers require both.
No. An IBAN checker verifies the format, structure, length, and checksum, but it cannot confirm whether the account is active or belongs to the correct person. It helps detect formatting mistakes before the payment is sent.
IBAN length varies by country, typically between 15 and 34 characters. Each country has a fixed, predefined length. Xflow’s IBAN checker automatically verifies whether the IBAN matches that standard.
No. The US uses routing numbers and account numbers instead of IBANs. IBANs are mainly used in Europe, the UK, the Middle East, and certain regions in Asia and Africa.
If your bank is in an IBAN-using country, you can find your IBAN in the following ways: 1. In your online banking portal 2. On your bank statements 3. By contacting your bank directly.
If you enter an incorrect IBAN code, following are the possibilities: 1. Bank may reject the transfer 2. Send the payment to the wrong branch or account (if check digits are valid but details are incorrect) 3. Charge return or investigation fees (cross-border refunds can take several business days).
No. IBANs are required only in countries that have adopted the IBAN standard. This includes most of Europe and several Middle Eastern and African countries. Many major economies including the US, Canada, India, and Australia do not use IBANs.

Disclaimer

This tool is provided for informational purposes only. Xflow does not guarantee the accuracy or completeness of results. Always verify account details directly with your bank or beneficiary before initiating any transfer. Xflow is not liable for any losses arising from incorrect IBAN usage.

Last Reviewed: 26/05/2026

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