Echo Money

IBAN Calculator

Validate or generate an IBAN in seconds.

Convert local bank details into a valid International Bank Account Number instantly - or check the format of one you already have before you send money on it.

  • No signup required
  • Supports 80+ IBAN countries
  • Official country formats & check digits
  • Instant validation
PRIVATE

Paste an IBAN to instantly check its country, length, structure, and check digits.

The basics

What is an IBAN?

An International Bank Account Number (IBAN) is a globally standardized bank account identifier used for international bank transfers. It is made up of a combination of up to 34 letters and numbers, helping banks process transfers across the globe.

Anatomy of an IBAN

DE893704 00440532 0130 00
Country Code DE

2 Letters • Identifies the country where the account is registered.

Check Digits 89

2 Digits • Used to validate the IBAN and reduce entry errors.

Bank Identifier 3704 0044

8-11 Characters • Identifies the receiving bank.

Account Number 0532 0130 00

Variable • Identifies the customer's bank account.

This standardized format helps banks correctly identify accounts across borders, reducing payment failures and processing delays.

Why IBAN matters

Small code, big consequences

International payments fail surprisingly often because of incorrect banking information. Using the correct IBAN helps:

  • Reduce Payment Failures
  • Minimize Manual Processing
  • Lower Operational Risk
  • Speed Up Cross-Border Transfers
  • Improve Payment Accuracy
  • Reduce Transaction Costs

Examples

Top 10 IBAN examples

Country IBAN Length

Coverage

80+ countries & territories use IBAN

IBAN vs SWIFT

Two codes, two jobs

Many people confuse IBANs and SWIFT codes. An IBAN pinpoints the exact account; a SWIFT/BIC code identifies the bank itself - and many international transfers need both.

IBAN

Identifies a specific bank account

Used to route payments to an account

Up to 34 characters

Required in many international transfers

SWIFT/BIC

Identifies a bank

Used to identify the receiving institution

8 or 11 characters

Often used alongside an IBAN

Need a SWIFT code too?

Search SWIFT code

Locate

Where can you find your IBAN?

You can usually find your IBAN in your online banking portal, mobile banking app, bank statements, or account details provided by your bank. If you're unsure, your bank can confirm the correct IBAN for your account.

You can also use Echo Money's IBAN tools to validate the format and better understand the structure of an IBAN before making an international payment.

Please Note

  • Always verify the IBAN with the recipient or their bank before making an international transfer.
  • IBAN validation confirms structural accuracy, not account ownership or existence

FAQs

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