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ISO 13616 IBAN standard with the mod-97 (ISO 7064) check digit. Instant in-browser validation, no account, no data sent. Last updated: 11 July 2026 · Bank of England payments.
⚖︎ Results are for informational purposes and do not constitute tax advice. For specific situations, consult a licensed accountant or the relevant tax authority.
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iHow it is calculated
Validation applies the mod-97 algorithm: the code is rearranged, letters become digits, and the remainder of division by 97 must be 1:
valid ⇔ IBAN mod 97 = 1
A UK IBAN has 22 characters and starts with “GB”, e.g. GB29 NWBK 6016 1331 9268 19. The tool checks the format, length and check digit and shows whether it is valid.
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?Frequently asked questions
What is an IBAN code?
IBAN (International Bank Account Number) is the standardized international identifier of a bank account. It contains the country code, a check digit and the account number, enabling correct transfers between banks.
How is an IBAN validated?
Through the mod-97 algorithm (ISO 7064): the first 4 characters are moved to the end, letters are turned into digits, and the remainder of division by 97 must be 1 for a valid IBAN.
How many characters does a UK IBAN have?
A UK IBAN has 22 characters: “GB”, two check digits, four letters for the bank code, a six-digit sort code and an eight-digit account number.
What do the first characters of the IBAN mean?
The first two letters are the country code (for example GB for the United Kingdom), and the next two digits are the check digits that validate the whole code.
Does a valid IBAN mean the account exists?
No. Validation only confirms that the structure and check digit are correct. An IBAN can be valid in format but not correspond to a real or active account.
How do I verify an IBAN before a transfer?
Validate the structure with this tool, then confirm the code directly with the recipient. A single wrong digit can send the money to another account.
What if the IBAN shows as invalid?
Check for missing or wrong characters, remove extra spaces and make sure you copied the full code, including the country code at the start.
Does the IBAN contain personal data?
It does not contain direct personal data such as the name. It identifies the bank and account, but does not reveal the holder’s identity from the code alone.
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