IBAN stands for International Bank Account Number. It is a standardized format used in most of Europe and the Middle East that encodes the country, check digits, bank, and account number in a single string of up to 34 characters.

How is an IBAN validated?

An IBAN must start with a 2-letter country code and 2 check digits, match the expected length for its country, and pass the mod-97 check: when the first 4 characters are moved to the end, letters are converted to numbers (A=10..Z=35), and the result is divided by 97, the remainder must equal 1.

What is a SWIFT or BIC code?

A SWIFT/BIC (Bank Identifier Code) is 8 or 11 characters and identifies a specific bank for international wires. The structure is 4-letter bank code + 2-letter country code + 2-character location code + optional 3-character branch code (XXX or omitted means the primary office).

What is a US routing number?

A US ABA routing number is a 9-digit code that identifies a bank or credit union for ACH and wire transfers. It has a built-in checksum: 3×(d1+d4+d7) + 7×(d2+d5+d8) + (d3+d6+d9) must be divisible by 10.

Does this tool confirm the account exists or who owns it?

No. The Bank Account Checker only validates formatting and structure. It does not contact any bank, look up account holders, check balances, or confirm that an account exists. Always verify payment details directly with the recipient before sending money.