IBAN Calculator

Name: IBAN Calculator
Author: Laxman Kumawat

Generate IBAN check digits from domestic BBAN details, validate existing IBAN numbers, and inspect official country-format rules before sending international bank details.

Last Updated: May 2026

IBAN country

United Kingdom IBANs use 22 characters. BBAN pattern: 4 uppercase letters + 6 digits + 8 digits.

Bank code helper

Choose a shortcut where available, or keep manual mode and paste the bank code from your bank statement.

Domestic BBAN, bank code, branch code, and account detail

Required length: 18 characters. Current bank identifier prefix: NWBK.

Generated IBAN

GB29 NWBK 6016 1331 9268 19

Electronic format: GB29NWBK60161331926819

Check digits

BBAN length

Country

SEPA flag

Yes

United Kingdom BBAN structure

Segment	BBAN position	Required input	Allowed characters
Bank identifier	1-4	4 uppercase letters	Uppercase letters only
Branch, sort, or account block	5-10	6 digits	Numeric only
BBAN block 3	11-18	8 digits	Numeric only

Countries that do not issue IBANs

Some major banking markets use local routing systems instead of IBAN. This calculator will not fabricate IBANs for countries that do not issue them.

Country	What to use instead
United States	Use ABA routing number, account number, and SWIFT/BIC for international wires. The U.S. does not issue IBANs.
India	Use IFSC, account number, and SWIFT/BIC for cross-border banking. India does not issue IBANs.
Canada	Use institution number, transit number, account number, and SWIFT/BIC. Canada does not issue IBANs.
Australia	Use BSB, account number, and SWIFT/BIC. Australia does not issue IBANs.

Bank shortcuts are convenience helpers, not a complete bank-directory service. Always confirm the bank identifier, branch code, account number, and beneficiary details with the receiving bank before sending money.

Banking Detail Disclaimer

This calculator checks IBAN structure and computes check digits for educational and administrative use. It does not verify that an account exists, belongs to a payee, is open, or can receive a transfer. Always confirm payment details directly with the bank or beneficiary before sending money.

Reviewed For Methodology, Labels, And Sources

Every CalculatorWallah calculator is published with visible update labeling, linked source references, and review of formula clarity on trust-sensitive topics. Use results as planning support, then verify institution-, policy-, or jurisdiction-specific rules where they apply.

Reviewed by Laxman Kumawat, Finance & Engineering Calculator Owner. Page updated May 2026. Finance and engineering calculators are reviewed when formulas, rate assumptions, or technical references change, and during broader category refreshes. Topic ownership: Financial calculators, Engineering calculators, Electrical and HVAC planning calculators, Investment, salary, loan, and technical design-estimate workflows.

Finance credentialed review: Named internal reviewer: Laxman Kumawat, Finance & Engineering Calculator Owner. External credentialed professional review is still required before this page is treated as professional advice.

Internal finance formula and engineering methodology reviewer. Review scope: calculator formulas, input labels, rate assumptions, scenario workflows, and user-facing limitations.

Credentials on file: Electrical and power-system related certifications.

Relevant review context: Professional background across engineering, sustainability, and energy-efficiency work; CalculatorWallah finance and engineering calculator owner.

Required professional credentials: CFP professional, CFA charterholder, CPA, licensed financial professional. Scope: assumptions, amortization logic, risk language, offer-comparison language, affordability guidance, and disclosure placement.

This page provides educational estimates, not individualized financial advice, lending advice, investment advice, or a product recommendation.

Source expectation: Review should cite official lender, regulator, tax, or standards-body sources when the calculator depends on external rules.

Sources & methodology · Review standards

How to Use the IBAN Calculator

Start with the question you need to answer. If you already have an IBAN from a supplier, employee, university, landlord, or bank statement, use validation mode. Paste the number exactly as received. The tool removes spaces, checks the country code, checks the country-specific length, tests the BBAN pattern, and runs the MOD97 check-digit test.

If you need to generate the IBAN format from domestic account details, use generate mode. Select the country first because every country has a different BBAN structure. Then enter the bank identifier, branch or sort code, account number, and any domestic check digits in the required order. Where a bank-code helper exists, it only fills the bank identifier prefix. You still need the real account-specific detail from the bank or account holder.

Step 1: Choose generate or validate mode
Use Generate IBAN when you have domestic BBAN details. Use Validate IBAN when someone already gave you an IBAN.
Step 2: Select the IBAN country
Country selection controls the required IBAN length and BBAN character pattern.
Step 3: Enter the BBAN or domestic account detail
Paste the bank code, branch or sort code, account number, and any domestic check digits in the country-specific order.
Step 4: Review check digits and print format
The calculator returns the two IBAN check digits and formats the result in electronic and print versions.
Step 5: Confirm with the receiving bank
Before sending money, verify the beneficiary name, bank, account details, and currency acceptance with the bank or payee.

How the IBAN Calculation Works

An IBAN has four fixed leading characters: two country letters and two check digits. Everything after those four characters is the BBAN, or Basic Bank Account Number. The BBAN can contain a bank identifier, branch identifier, sort code, account number, and domestic check digits, depending on the country. The calculator stores each country pattern separately so it can reject BBAN inputs that have the wrong length or character type.

To generate check digits, the calculator temporarily builds an IBAN with `00` as the check digits, moves the first four characters to the end, converts letters to numbers using A = 10 through Z = 35, and applies the ISO/IEC 7064 MOD97-10 check. The final check digits are `98 - remainder`, padded to two digits. To validate an IBAN, the finished IBAN must produce a MOD97 remainder of 1.

Workflow	Input needed	Output
Generate from BBAN	Select country, paste the domestic BBAN, bank code, branch code, and account detail.	Returns country code, calculated check digits, electronic IBAN, and print-format IBAN.
Use bank-code helper	For selected countries, choose a common bank identifier shortcut, then enter the remaining domestic details.	Useful for avoiding mistakes in the first bank-code block, but still requires your real account data.
Validate an IBAN	Paste an IBAN with or without spaces.	Checks registered country, length, BBAN pattern, and check digits.
Audit country format	Read the country-specific BBAN blocks shown under the calculator.	Helps identify whether the missing piece is bank code, branch/sort code, account number, or national check digits.

IBAN Country Coverage and Bank-Code Limits

This tool is built for real banking workflows where small typing errors can delay or reject international transfers. It supports the SWIFT-registered IBAN countries from the current registry release used by this page, plus selected territory formats that use the French BBAN structure. That makes it useful for common European, Middle Eastern, African, Caribbean, and Latin American IBAN formats, while still being honest about countries that do not issue IBANs at all.

Coverage item	Value	Why it matters
Registered IBAN country formats	89	Based on SWIFT IBAN Registry Release 100, October 2025.
Additional French territory formats	12	Same core French BBAN structure where territory prefixes are commonly used by IBAN validators.
Maximum IBAN length	34 characters	Country code, two check digits, and up to 30 BBAN characters under ISO 13616.
Validation method	MOD97-10	The calculator moves the first four characters to the end, converts letters to numbers, and checks remainder 1.

Why bank presets cannot replace bank confirmation

Many users search for an IBAN generator by bank name, but an IBAN is not only a bank name. It is a country-specific account identifier. Some countries use a visible bank code in the first BBAN block. Others include branch codes, account-type digits, national check digits, or alphanumeric account references. A bank can also have more than one routing code after mergers, digital brands, or product-specific clearing arrangements.

For that reason, the calculator includes selected bank-code shortcuts only where they are useful for reducing typing. The complete and safer workflow is manual entry from an official statement, banking app, invoice, or beneficiary instruction. If a bank is not in the helper list, the calculator still works: select the country and paste the complete BBAN in the correct order.

Common IBAN mistakes

Mistake	Why it causes problems
Trying to create an IBAN for a non-IBAN country	The United States, India, Canada, and Australia do not issue IBANs. Use their local routing system plus SWIFT/BIC where required.
Using a SWIFT/BIC as the whole IBAN	A BIC identifies a bank or branch in messaging. An IBAN identifies an account structure and includes check digits.
Dropping national check digits from the BBAN	Some countries include domestic check digits inside the BBAN as well as the two IBAN check digits.
Assuming structural validity means the account exists	MOD97 can catch many typing errors, but it cannot confirm that an account is open, active, or owned by the payee.

If you are preparing an invoice, pair the IBAN with the beneficiary name, bank name, BIC/SWIFT code when requested, payment reference, currency, and invoice amount. For invoice math, the currency converter and VAT calculator are useful companions.

Keep the research moving with Currency Converter, VAT Calculator, GST Calculator, and Discount Calculator.

Frequently Asked Questions

It can generate the IBAN check digits and final IBAN format from a valid country BBAN, bank identifier, branch or sort code, and account detail. It cannot invent a real bank account or verify account ownership.

It covers all 101 country and territory formats included in this implementation, including the 89 SWIFT-registered country formats in SWIFT IBAN Registry Release 100 - October 2025. Countries that do not issue IBANs, such as the United States, India, Canada, and Australia, cannot have an IBAN generated.

The BBAN is the domestic account identifier inside an IBAN. The IBAN adds country code and check digits for international processing. A SWIFT/BIC identifies a bank or branch for financial messaging and is not the same as an IBAN.

A valid IBAN means the length, country pattern, and MOD97 check digits are structurally correct. It does not prove that the account exists, belongs to the beneficiary, accepts the currency, or can receive the transfer type.

Yes. Print-format IBANs are often grouped in blocks of four characters for readability. Electronic payment fields usually require the same IBAN without spaces.

Bank identifiers are maintained through domestic banking systems and can change through mergers or product routing changes. The calculator includes selected shortcuts, but manual bank-code entry is the complete path for any bank.