IBAN / SWIFT Formatter
Validate IBAN with mod-97 checksum · validate SWIFT/BIC codes · 100% client-side
About
The IBAN (International Bank Account Number) Formatter validates any IBAN using the ISO 13616 mod-97 checksum algorithm — the same algorithm used by banks and payment systems worldwide. It also parses the IBAN into its components: country code, check digits, and BBAN (Basic Bank Account Number). The SWIFT/BIC validator checks whether a SWIFT Business Identifier Code conforms to the ISO 9362 standard (4-letter bank code + 2-letter country + 2-character location + optional 3-character branch). All processing is local in your browser.
How to use
- 1 Paste or type an IBAN into the IBAN input field — spaces and dashes are stripped automatically.
- 2 The tool checks the country code against all 77 IBAN countries, verifies the expected length, and runs the mod-97 checksum.
- 3 A valid IBAN displays the formatted version (grouped in 4-character blocks), country, check digits, and BBAN.
- 4 For SWIFT/BIC validation, enter the BIC in the lower input field.
- 5 The tool parses the BIC into bank code, country code, location code, and branch code (XXX for primary office).
- 6 Use the example buttons to test with well-known IBANs and BICs from Germany, UK, and France.
- How does the IBAN mod-97 checksum work?
- The IBAN checksum uses the following algorithm: (1) Move the first four characters (country code + check digits) to the end. (2) Replace each letter with its numeric equivalent: A=10, B=11, …, Z=35. (3) Compute the remainder when this large number is divided by 97. A valid IBAN produces a remainder of 1. The two check digits in positions 3–4 of the IBAN are chosen during creation so that the remainder will equal 1, making it possible to detect transcription errors before transmitting to a bank.
- What countries support IBAN?
- IBAN is mandatory for domestic and cross-border bank transfers within the SEPA zone (36 European countries). It is also used in many other countries including most of the Middle East, North Africa, and parts of the Caribbean. The US, Canada, Australia, New Zealand, and most of Asia do not use IBAN — they use routing numbers, BSB codes, or SWIFT-only transfers. The ISO 13616 standard defines exact formats and lengths for 77 countries.
- What is the difference between SWIFT and IBAN?
- SWIFT (or BIC — Business Identifier Code) identifies the bank institution. IBAN identifies a specific account at a bank. International wire transfers typically require both: the SWIFT/BIC to route the message to the correct bank, and the IBAN to credit the correct account. In SEPA transfers within Europe, only the IBAN is required because the BIC can be derived from it. Outside SEPA, you almost always need both the SWIFT code and the IBAN (or local account number).