Online IBAN validator



About IBAN

IBAN stands for International Bank Account Number and is a number attached to all accounts in the EU countries plus Norway, Switzerland and Lichtenstein. The IBAN is made up of a code that identifies the country the account belongs to, the account holder's bank and the account number itself. The IBAN makes it easier and faster to process cross-border payments.

The International Bank Account Number (IBAN) is an international standard for identifying bank accounts across national borders in a way that would minimise the risk of propagating transcription errors. It was originally adopted by the European Committee for Banking Standards, and was later adopted as an international standard under ISO 13616:1997 and now as ISO 13616-1:2007. The official IBAN registrar under ISO 13616-2:2007 is SWIFT.

The IBAN was originally developed to facilitate payments within the European Union but the format is flexible enough to be applied globally. It consists of a ISO 3166-1 alpha-2 country code, followed by two check digits and up to thirty alphanumeric characters for the domestic bank account number (incorporating routing information), called the BBAN (Basic Bank Account Number). It is up to each country's national banking community to decide on the length of the BBAN for accounts in that country, but its length must be fixed for any given country.

Background

Before IBAN, customers, especially individuals and small businesses (SMEs), used to be confused by the differing national standards for bank account identification such as bank, branch, routing codes and account number. This often led to necessary routing information being missing from payments. Furthermore routing information as specified by ISO 9362 does not contain check digits, so simple errors of transcription were not detectable and it was not possible for a sending bank to validate the routing information prior to submitting the payment. Routing errors were therefore frequent causing payments to be delayed and incurred extra costs to the sending and receiving banks and often to intermediate routing banks also.

IBAN imposes a flexible but regular format sufficient for account identification and contains validation information to avoid errors of transcription.

The standard IBAN now carries all the routing information needed to get a payment from one bank to another wherever it may be. IBAN contains check digits which can be validated in any country according to a single standard procedure. It also contains all the key bank account details such as Bank Identifier Codes, branch codes (known as sort codes in the UK and Ireland) and account numbers. Where used, IBANs have reduced trans-national money transfer errors to under 0.1% of total payments.

The check digits enable the sending bank (or its customer) to verify the validity of a routing destination and account number from a single string of data at the time of data entry. Thus routing and account number errors are virtually eliminated.

The IBAN should not contain spaces when transmitted electronically. However, when printed on paper, the IBAN is expressed in groups of four characters separated by a single space, the last group being of variable length as shown in the example below

Country IBAN formatting example
Greece GR16 0110 1050 0000 1054 7023 795
Great Britain GB35 MIDL 4025 3432 1446 70
Saudi Arabia SA80 8000 0375 6080 1019 0160
Switzerland CH51 0868 6001 2565 1500 1
Israel IL30 0113 0300 0009 6339 234

The characters that may be used in an IBAN are the Hindu-Arabic numerals '0' to '9' and the 26 upper case Latin alphabetic characters 'A' to 'Z'. This applies even in countries such as Greece, Saudi Arabia and Israel (see above) and others where these characters and/or numerals are not used in the national language.

Geographical usage

All banks in Europe (except for the Commonwealth of Independent States) provide an IBAN identifier for their accounts as well as nationally recognised identifiers - this being mandatory within the European Economic Area. In addition, Israel, Lebanon, Mauritius, Saudi Arabia, Tunisia and Turkey also provide IBAN format account identifiers.

Banks in the British dependencies (except Gibraltar and the Crown Dependencies) do not use the IBAN format, but this may be due to internal banking regulatory issues. Banks in the Dutch West Indies also do not use the IBAN format. Some banks outside Europe may not recognize IBAN, though as time passes this is expected to diminish. Non-European banks typically accept IBANs as bank account numbers for accounts in Europe, although they might not treat IBANs differently to the way they treat other foreign bank account numbers. In particular, they might choose not to check that the IBAN is valid prior to sending the payment.

In the absence of an IBAN it remains necessary to use the current ISO 9362 Bank Identifier Code system (BIC or SWIFT code) in conjunction with the BBAN.

Banks in the United States do not provide IBAN format account numbers. Any adoption of the IBAN standard by U.S. banks would likely be initiated by ANSI ASC X9, the U.S. financial services standards development organization but to date it has not done so. Hence payments to U.S. bank accounts from outside the U.S. are prone to errors of routing.

Canadian financial institutions have not adopted IBAN and use bank transit numbers issued by the Canadian Payments Association for transferring funds within Canada and SWIFT for international transfers. There is no formal governmental or private sector regulatory requirement in Canada for the major banks to use IBAN.

Banks in Australia and New Zealand have not adopted IBAN, and tend to use Bank State Branch codes for domestic transfers and SWIFT for international.

IBAN Validation

One of the design aims of the IBAN was to enable as much validation as possible to be done at the point of data entry. In particular, the computer program that accepts an IBAN will be able to validate:

  • Is the country code valid?
  • Do the number of characters in the IBAN correspond to the number specified for this country?
  • Does the BBAN format follow the format specified for this country?
  • Is the account number, bank code and country code combination compatible with the check digits?

The check digits are calculated in accordance with ISO/IEC 7064:2002 which specifies a set of check character systems capable of protecting strings against errors which occur when people copy or key data. In particular, the standard enables the following errors to be trapped

  • all single substitution errors (the substitution of a single character for another, for example 4234 for 1234); The IBAN check digits satisfy this condition fully.
  • all or nearly all single (local) transposition errors (the transposition of two single characters, either adjacent or with one character between them, for example 12354 or 12543 for 12345). The IBAN check digits trap all such errors.
  • all or nearly all shift errors (shifts of the whole string to the left or right); These errors will be trapped by the computer program as they will result in an incorrect format.
  • a high proportion of double substitution errors (two separate single substitution errors in the same string, for example 7234587 for 1234567); The IBAN check digits will trap 96 out of 97 such errors.
  • a high proportion of all other errors. The IBAN check digits will trap 96 out of 97 such errors.

Source: http://en.wikipedia.org/wiki/International_Bank_Account_Number



О стандарте IBAN

IBAN (англ. International Bank Account Number), стандарт № 13616 Международной организации по стандартизации ИСО (ISO, International Organization for Standardization) и Европейского комитета по банковским стандартам ECBS, European Committee for Banking Standards — международный номер банковского счёта.

Назначение

Введение кода IBAN было изначально предназначено для стандартизации межбанковских расчетов на территории Европейского союза, но сейчас он применяется и в других странах мира. Его использование позволяет ускорить и удешевить межбанковские платежи (перевод денег из одной страны Евросоюза в другую с использованием кода IBAN стоит столько же, сколько и перевод внутри страны). Также идет процесс интеграции в систему расчетов с использованием кода IBAN американской системы межбанковских расчетов.

Формат

Формат кода IBAN включает

  • 1-2 символ – код страны, где находится банк получателя (в соответствии со стандартом ISO 3166-1 alpha-2)
  • 3-4 символ - контрольное уникальное число IBAN, рассчитываемое по стандарту (ISO 7064)
  • 5-34 символ – внутригосударственный номер счета, включающий как сам номер счета, так и признак банка получателя (в том числе код филиала банка).

Длина IBAN не может превышать 34 знака.

Применение

В настоящее время платежи с использованием кода IBAN (по состоянию на 1.07.2008 - в 47 странах) осуществляются между Андоррой, Австрией, Бельгией, Боснией и Герцеговиной, Болгарией, Великобританией, Венгрией, Германией, Гибралтаром, Гренландией, Грецией, Данией, Израилем, Ирландией, Исландией, Испанией, Италией, Кипром, Латвией, Литвой, Лихтенштейном, Люксембургом, Маврикием, Македонией, Мальтой, Монако, Нидерландами, Норвегией, Польшей, Португалией, Румынией, Саудовской Аравией, Сан-Марино, Сербией, Словакией, Словенией, Тунисом, Турцией, Фарерскими островами, Финляндией, Францией, Хорватией, Черногорией, Чехией, Швейцарией, Швецией, Эстонией.

03 мая 2010 года к системе IBAN присоединилась Грузия. C 7 июня 2010 IBAN стал обязательным к применению во внутренних и международных расчетах и в Казахстане.

Источник: http://ru.wikipedia.org/wiki/ISO_13616