---
title: "IBAN Checker: Validate an IBAN and See Its Parts"
canonical: https://luckpanda.app/tools/iban-checker
language: en
updated: 2026-10-09
content: baseline
---

# IBAN checker

**IBAN checker: how it works** Move the first four characters to the end, turn letters into numbers (A = 10 to Z = 35), and divide the result by 97. A valid IBAN leaves a remainder of 1. The length must also match the country: 22 for the UK and Germany, 27 for France, 18 for the Netherlands.

Free online tool: https://luckpanda.app/tools/iban-checker (create on screen, no account needed).

## IBAN structure

Every IBAN starts with a two-letter country code and two check digits, followed by the BBAN (basic bank account number), whose format each country sets. IBANs are written in groups of four for reading, but stored and sent without spaces.

| Country | Length | Example |
| --- | --- | --- |
| United Kingdom | 22 | GB82 WEST 1234 5698 7654 32 |
| Germany | 22 | DE89 3704 0044 0532 0130 00 |
| France | 27 | FR14 2004 1010 0505 0001 3M02 606 |
| Netherlands | 18 | NL91 ABNA 0417 1643 00 |
| Ireland | 22 | IE29 AIBK 9311 5212 3456 78 |
| Spain | 24 | ES91 2100 0418 4502 0005 1332 |
| United Arab Emirates | 23 | AE07 0331 2345 6789 0123 456 |
| Norway | 15 | NO93 8601 1117 947 |

## How to use the IBAN checker

1. Paste or type the IBAN, with or without spaces.
2. Read whether the length and check digits are valid.
3. Check the decoded country, bank code and account match what you expect.
4. Put the formatted IBAN on your invoice so clients copy it correctly.

## Countries that don't use IBAN

| Country | What to use instead |
| --- | --- |
| India | IFSC code + account number; SWIFT/BIC from abroad |
| United States | ABA routing number + account number; SWIFT/BIC from abroad |
| Canada | Institution and transit numbers + account number |
| Australia | BSB + account number |
| Singapore | Bank and branch code + account number |

## IBAN and BIC on invoices

For international payments, put both the IBAN and the BIC (SWIFT code) on your invoice, along with the account holder's name as the bank knows it. Write the IBAN in groups of four so it is easy to read back, and check it here before the first invoice goes out.

## Questions people ask

### How is an IBAN validated?

Move the first four characters to the end, turn letters into numbers (A = 10 to Z = 35), and divide the result by 97. A valid IBAN leaves a remainder of 1. The length must also match the country: 22 for the UK and Germany, 27 for France, 18 for the Netherlands.

### Does a valid IBAN mean the account exists?

No. A valid IBAN is well-formed with correct check digits, which catches nearly all typing mistakes. It does not confirm the account is open or who holds it; your bank checks that when you pay.

### Does India use IBAN?

No. Indian bank accounts are identified by an IFSC code and an account number. For payments from abroad, the sender also needs the bank's SWIFT/BIC code.

### Does the US use IBAN?

No. US accounts use an ABA routing number and an account number. International payments to the US use the bank's SWIFT/BIC code and the account number.

### How do I find the sort code in a UK IBAN?

In a UK IBAN, characters 5–8 are the bank code, 9–14 the sort code and 15–22 the account number. GB82 WEST 1234 5698 7654 32 has sort code 12-34-56 and account number 98765432.