The checksum
The two digits after the country code are calculated from the rest of the IBAN using ISO 7064 MOD-97-10. Mistype or transpose one character and the sum stops balancing — which is exactly what it is designed to catch.
Tools
IBAN checker
Paste an IBAN to check its ISO 13616 checksum and published country format, then see exactly which part is the bank code, the branch code and the account number.
Free, and nothing you check is stored. The check runs as a pure calculation — Paysavo keeps no record of it.
Enter an IBAN
Paysavo holds the published format for 69 countries. If a country is not in that list the checksum is still checked, and we say so rather than guessing.
Browse IBAN formats by countryWhat the checker actually verifies
The country format
Every country publishes a fixed IBAN length and a structure saying which positions must be digits and which may be letters. Both are checked against the country in the first two characters.
Where each part sits
The number is split into the bank code, the branch code where the country uses one, and the account number, so you can compare each part against what your recipient sent you.
What a valid result does not mean
A checksum proves the number is internally consistent. It does not prove the account is real.
An IBAN that passes every check on this page can still belong to a closed account, to a different person than the one you intend to pay, or to no account at all — a structurally perfect IBAN can be generated in seconds. Where a cleared register lets us name the bank behind an identifier, it is shown below as reference information with its source; where none does, this tool shows nothing rather than a guess.
Confirm the account name and number with your recipient directly, using a channel you already trust. If payment details arrive by email and differ from what you were expecting, treat that as a warning sign and call the person on a number you looked up yourself rather than one in the message.
Sending money internationally?
Hold multiple currencies, send and receive internationally, and pay from one account.