Calculate international account check digits. SWIFT
Initialising algorithm engine for IBAN Check Digit Calculator...
How IBAN Check Digit Calculator Works?
The IBAN Check Digit Calculator works by moving the country code and 00 to the end of the Basic Bank Account Number (BBAN), converting letters to numbers, and subtracting the remainder modulo 97 from 98. The 2 resulting digits fill positions 3 and 4 of the International Bank Account Number (IBAN).
- 1Enter the 2-letter country code and the BBAN.
- 2Write the BBAN first, then the country code, then 00.
- 3Replace every letter with 2 digits (A = 10, B = 11 … Z = 35).
- 4Compute the remainder of the resulting number divided by 97.
- 5Subtract the remainder from 98 and pad to 2 digits.
IBAN Check Digit Calculator Formula
The IBAN check digit formula is Check = 98 − (num(BBAN + CC + 00) mod 97), defined by ISO 13616 with ISO 7064 MOD 97-10.
Check = 98 − (num(BBAN ‖ CC ‖ "00") mod 97) num(): A = 10, B = 11 … Z = 35
BBANis the domestic account number.CCis the ISO 3166 country code.
Rearranged = WEST12345698765432GB00 Letters → numbers = 3214282912345698765432161100 3214282912345698765432161100 mod 97 = 16 Check digits = 98 − 16 = 82 IBAN = GB82 WEST 1234 5698 7654 32
IBAN Check Digit Calculator Conversion Table
The IBAN conversion table lists 10 countries with IBAN length, BBAN, and computed check digits.
| Country | Length | BBAN | Check digits | IBAN |
|---|---|---|---|---|
| United Kingdom | 22 | WEST12345698765432 | 82 | GB82 WEST 1234 5698 7654 32 |
| Germany | 22 | 370400440532013000 | 89 | DE89 3704 0044 0532 0130 00 |
| France | 27 | 20041010050500013M02606 | 14 | FR14 2004 1010 0505 0001 3M02 606 |
| Spain | 24 | 21000418450200051332 | 91 | ES91 2100 0418 4502 0005 1332 |
| Netherlands | 18 | ABNA0417164300 | 91 | NL91 ABNA 0417 1643 00 |
| Belgium | 16 | 539007547034 | 68 | BE68 5390 0754 7034 |
| Switzerland | 21 | 00762011623852957 | 93 | CH93 0076 2011 6238 5295 7 |
| Italy | 27 | X0542811101000000123456 | 60 | IT60 X054 2811 1010 0000 0123 456 |
| Norway | 15 | 86011117947 | 93 | NO93 8601 1117 947 |
| Pakistan | 24 | SCBL0000001123456702 | 36 | PK36 SCBL 0000 0011 2345 6702 |
What is IBAN Check Digit Calculator?
An IBAN Check Digit Calculator is a tool that computes the 2 check digits that follow the country code in an International Bank Account Number. IBANs run from 15 characters (Norway) to 34 characters.
IBAN check digits catch every single-character typing error and every swap of 2 adjacent characters. The European Payments Council requires IBANs for all Single Euro Payments Area (SEPA) transfers.
What are the uses of IBAN Check Digit Calculator?
There are 4 main uses of the IBAN Check Digit Calculator, including account conversion, payment file creation, and test data.
- Account conversion: Banks build IBANs from domestic account numbers.
- Payment file creation: Treasury teams generate SEPA credit transfer files with valid IBANs.
- Test data: Developers create valid IBANs for payment sandbox testing.
- Customer onboarding: Fintech apps complete IBANs from sort code and account number.