IBAN Generator
Generate structurally valid IBAN numbers for European bank account testing. Correct MOD-97 check digits. Covers 14 SEPA countries.
โ ๏ธ These IBANs are for testing and development only. They do not represent real bank accounts and must not be used for actual transactions.
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IBAN Generator FAQ
What is an IBAN and what is it used for?
IBAN stands for International Bank Account Number (ISO 13616). It is a standardized format for identifying bank accounts across national borders, adopted by all EU countries and many others. An IBAN begins with a 2-letter country code, followed by 2 check digits, and then the domestic account number (called BBAN). For example, a German IBAN looks like: DE89 3704 0044 0532 0130 00. IBAN is required for SEPA credit transfers and direct debits within the European Economic Area.
How are the check digits calculated?
IBAN check digits use the MOD-97 algorithm. The process: (1) rearrange the IBAN so the country code and placeholder '00' move to the end, (2) replace every letter with its numeric equivalent (A=10, B=11, ..., Z=35), (3) compute the resulting number modulo 97, (4) check digits = 98 minus that result, formatted as 2 digits. All IBANs generated here use this correct algorithm โ the check digits are mathematically valid.
Can I use these IBANs for real transactions?
No. Generated IBANs are structurally valid (correct format and check digits) but they do not correspond to real bank accounts. Using a fictional IBAN for a real payment will result in the transaction being rejected or funds being unrecoverable. These IBANs are intended solely for software development, testing payment flows, and form validation.
Which countries are supported?
The generator supports 14 countries: Germany (DE), France (FR), United Kingdom (GB), Netherlands (NL), Italy (IT), Spain (ES), Belgium (BE), Austria (AT), Switzerland (CH), Sweden (SE), Norway (NO), Denmark (DK), Poland (PL), and Portugal (PT). These cover the major SEPA payment area countries most commonly needed in payment integration testing.
What is the difference between IBAN and SWIFT/BIC?
IBAN identifies a specific bank account. SWIFT/BIC (Bank Identifier Code) identifies the bank itself โ its country, institution, and branch. For international wire transfers, both are typically required: the IBAN routes the payment to the correct account, while the BIC routes it to the correct bank. Within SEPA, BIC is no longer required for Euro transfers, only the IBAN is needed.
What is BBAN and how does it relate to IBAN?
BBAN (Basic Bank Account Number) is the domestic part of the IBAN โ the account number as used within a country before the IBAN standard. The IBAN is constructed by prepending the 2-letter country code and 2 check digits to the BBAN. For example, a UK sort code + account number combination becomes the BBAN inside a GB IBAN. The BBAN length and format varies by country: Germany uses 18 digits, the UK uses 4 letters + 14 digits, and so on.