IBAN Validator + BIC Lookup + SEPA Reachability

IBAN Validation MOD-97 · ISO 13616

Enter IBAN

Samples →

BIC / SWIFT Code Validation ISO 9362 · 8 or 11 chars

Enter BIC / SWIFT Code

Samples →

Batch IBAN Validation Up to 50 IBANs · one per line

One IBAN per line · spaces and dashes stripped automatically · max 50

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No batch run yet

Paste IBANs above (one per line) and click Validate Batch,
or click "Load Sample" to see a live demo.


#	IBAN (Formatted)	Country	Length	Bank Code	Account No.	Status	SEPA SCT	SEPA Inst	Error

IBAN Country Reference 86 countries · SEPA reachability · IBAN length

What this tool does

Tool 16 of the AINumbers.co A2A Fintech Suite validates IBANs using the full ISO 13616 MOD-97 algorithm, parses bank/branch/account components per country-specific formats, validates BIC/SWIFT codes per ISO 9362, checks SEPA scheme reachability (SCT, SCT Inst, SDD), and runs batch validation of up to 50 IBANs with CSV export.

IBAN validation logic

Format check: Country code (2 alpha) + check digits (2 numeric) + BBAN. Total length must match the country standard.
MOD-97 checksum: Move the first 4 characters to the end, convert letters to numbers (A=10…Z=35), compute the number modulo 97. Result must equal 1.
Country validation: Country code must appear in the embedded ISO 13616 registry (86 countries).
BBAN parsing: Bank code, branch code (if applicable), and account number extracted per country-specific format rules.

BIC / SWIFT validation logic

Must be 8 or 11 characters. 11-character codes use XXX as the branch code for primary offices.
Bank code: 4 alpha chars. Country code: 2 alpha (ISO 3166-1). Location code: 2 alphanumeric. Branch code (optional): 3 alphanumeric.
Characters must be uppercase A–Z / 0–9 only. No special characters.

SEPA reachability

SEPA reachability is determined by matching the IBAN country code against the current embedded list of SEPA scheme participants. SEPA SCT covers 36 countries. SEPA Instant (SCT Inst) covers most EU/EEA countries. SDD availability varies. This data is embedded at build time; always verify with your PSP or the EPC directory for production use.

Privacy & data handling

All validation runs in your browser using pure JavaScript. No IBAN, BIC, or any other data is transmitted to any server. Files are processed in-memory and discarded on page close.