IBAN Generator (ISO 13616)
Generate valid, authentic International Bank Account Numbers (IBAN) computed via Modulo 97-10 (ISO 7064) across all SWIFT IBAN Registry countries.
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About IBAN Code (ISO 13616)
The International Bank Account Number (IBAN) is an internationally agreed standard (ISO 13616) administered globally by SWIFT to identify bank accounts across national borders and SEPA systems.
Each IBAN consists of a 2-letter ISO 3166-1 country code, 2 check digits computed under ISO 7064 Modulo 97-10, and a national Basic Bank Account Number (BBAN) configured per country regulations.
Anatomy and Structure of IBAN
The IBAN has a fixed length per country (15 to 34 characters) divided into 4 key structural blocks:
| Position | Field | Length | Regulatory Purpose | Example |
|---|---|---|---|---|
| 1 & 2 | Country Code | 2 letters | ISO 3166-1 alpha-2 code indicating the financial jurisdiction. | DE, BR, FR, GB |
| 3 & 4 | Check Digits (CD) | 2 digits | Global checksum calculated using Modulo 97-10 for upfront validation. | 89, 14, 29 |
| 5 onwards | Bank and Branch Code | Variable | Identifies the banking institution (BLZ, Sort Code, ABI) and branch office. | 37040044 (DE) |
| End | Account & National Check | Variable | Customer account number accompanied by any country-specific check digits. | 0532013000 |
Check Digits Algorithm (Modulo 97-10)
IBAN mathematical integrity is governed by ISO 7064 (MOD 97-10):
- 1. Move the first 4 characters (Country Code + '00') to the end of the national BBAN.
- 2. Convert each letter A-Z into its 2-digit numeric representation (A=10, B=11, ..., Z=35).
- 3. Compute the integer remainder modulo 97: R = Value mod 97.
- 4. The official check digits are calculated as CD = 98 - R, padded with a leading zero if needed.