IBAN BIC Calculator

Enter Payment Details

Example Data Table

Formula Used

The IBAN check uses the ISO style mod 97 method. First, remove spaces and uppercase the value. Next, move the first four characters to the end. Then convert letters into numbers, where A equals 10 and Z equals 35. Finally, divide the full numeric string by 97.

Valid IBAN rule: the remainder must equal 1.

Check digit builder: replace the two check digits with 00. Run the same conversion. Then use 98 minus the remainder. Pad the answer to two digits.

The BIC check uses a format rule. It checks four bank letters, two country letters, two location characters, and an optional three character branch code.

How to Use This Calculator

1. Paste the IBAN into the IBAN field.
2. Enter the BIC or SWIFT code when available.
3. Add payment amount, currency, bank name, and reference details.
4. Keep strict country length enabled for stronger checking.
5. Use the builder fields to create check digits from a country and BBAN.
6. Press Calculate to show the report below the header.
7. Download CSV or PDF for payment records.

Understanding IBAN and BIC checks

An IBAN BIC calculator helps review international payment details before money moves. It does not contact a bank. It checks structure, spacing, length, country code, check digits, and BIC format. These tests catch many typing errors early. They also make payment records cleaner for finance teams, support teams, and auditors.

Why validation matters

International bank data often travels through forms, invoices, accounting tools, and approval workflows. A copied space, missing digit, or wrong country code can delay a transfer. The IBAN mod 97 test is useful because it checks the full string mathematically. A valid result means the number has a correct structure. It does not prove account ownership, bank status, or available funds.

What the calculator reviews

This tool normalizes the IBAN by removing spaces and uppercase letters. It identifies the country code and check digits. It compares the length with known country rules when available. It then rearranges the first four characters, converts letters into numbers, and calculates the remainder. A remainder of one passes the main IBAN test. The BIC section checks the bank code, country code, location code, and optional branch code.

Using results wisely

Use the result as a screening step, not as final bank confirmation. Always confirm beneficiary details through trusted documents or secure banking channels. If the BIC country differs from the IBAN country, review the record carefully. Some valid payment routes may use intermediary banks, but mismatches deserve attention. Store exports with invoice references when you need a simple audit trail.

Best practices

Paste values directly from source documents when possible. Avoid retyping long account numbers by hand. Keep beneficiary names, payment references, bank names, and amounts beside the validation result. This helps reviewers understand the payment context. Recheck details after any edit. For repeated suppliers, save verified records inside your accounting system. A careful workflow reduces failed payments and improves confidence.

Teams can also compare several entries with the example table. This supports training and quick checks. When a record fails, correct one field at a time. Start with spaces, then length, then check digits. Small fixes often solve issues. Use exported files during reviews. Keep notes beside approvals and invoices. Review every change before sending.

FAQs