IBAN Calculator

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International bank transfers rely on a standardised numbering system called IBAN - the International Bank Account Number. Originally developed in Europe, IBAN is now used in over 80 countries to reduce errors in cross-border payments and ensure funds reach the correct account. The IBAN Calculator lets you validate existing IBAN numbers and generate them from local bank details, saving you from the costly mistakes that come with incorrect account numbers.

Why IBAN Validation Matters

A single wrong digit in an IBAN can send your money to the wrong account - or, more commonly, cause the transfer to fail entirely. Failed transfers incur bank fees, create delays, and generate administrative headaches. Validating an IBAN before initiating a transfer is a simple precaution that prevents these problems.

The validation is not just a length check. Each IBAN contains a two-digit check number calculated using a specific modular arithmetic algorithm (MOD 97). This check number makes it possible to detect the vast majority of transcription errors - transposed digits, missing characters, and incorrect country codes - before the transfer is submitted. This calculator performs that MOD 97 validation instantly, telling you with certainty whether an IBAN is structurally valid.

How IBAN Structure Works

Every IBAN follows the same basic format, though the total length varies by country:

Country code - Two letters identifying the nation (GB for the United Kingdom, DE for Germany, NG for Nigeria, and so on).

Check digits - Two numbers that serve as the error-detection mechanism described above.

Basic Bank Account Number (BBAN) - The remaining characters, which encode the bank identifier, branch code, and account number in a format specific to each country. A German IBAN has 22 characters total, a British one has 22, and a Nigerian one has 26.

The calculator breaks down these components visually, showing you exactly which part of the IBAN corresponds to which piece of information. This transparency is useful when you are cross-referencing an IBAN against bank statements or payment instructions.

Generating an IBAN from Local Bank Details

Not all banks provide IBAN numbers on statements or in online banking portals, particularly in countries where IBAN adoption is more recent. If you have your country code, bank code, and local account number, this calculator can generate the correct IBAN - including calculating the check digits - so you do not have to contact your bank and wait for a response.

Select the country, enter the required local banking identifiers, and the tool assembles the IBAN with the correct structure and check digits. It is the same calculation that banks perform internally, made available to you directly.

Common Situations Where You Need This Tool

Sending international wire transfers - Whether you are paying a supplier abroad, transferring money to family, or settling an invoice, you need a valid IBAN. Validating it before the transfer avoids rejection fees.

Receiving payments from overseas - If a foreign client asks for your IBAN and your bank has not provided one, generate it here and share it with confidence.

Freelancers and remote workers - Working with international clients means dealing with cross-border payments regularly. Having a reliable IBAN validator in your bookmarks streamlines every payment cycle.

Accounting and bookkeeping - Processing multiple international invoices requires verifying each payee's IBAN. Batch validation saves significant time compared to checking each one manually through a bank portal.

Accurate, Instant, and Completely Free

This IBAN calculator runs entirely in your browser with no data sent to external servers. Your banking details remain private. Use it to validate, generate, and understand IBAN numbers whenever cross-border payments are part of your personal or professional life.