Why is each country's IBAN a different length?

Because the BBAN (the country-specific part after the check digits) was designed locally before IBAN existed, and each country kept its own format. UK and German IBANs are 22 characters (4-letter bank code + 6-digit sort code + 8-digit account for the UK). Pakistan and Saudi Arabia are 24. Malta is the longest at 31. The country code at the start tells you the expected length — if a "PK" IBAN isn't exactly 24 characters, it's either typed wrong or it isn't an IBAN at all.

Is IBAN used in the US?

No — the US runs on ABA routing numbers plus account numbers domestically, and uses SWIFT/BIC for incoming international wires. American banks can send wires to IBAN countries, but US accounts themselves don't have IBANs. If a US-based recipient hands you an "IBAN," double-check what they actually sent — it's probably their SWIFT code, their account number, or a set of wire instructions they're calling an IBAN by mistake.

What is BIC/SWIFT and how does it relate?

BIC (also called SWIFT code) is an 8-11 character code that identifies the BANK — DEUTDEFF for Deutsche Bank Frankfurt, SCBLPKKA for Standard Chartered Pakistan. IBAN identifies the specific ACCOUNT inside that bank. Modern SEPA transfers within Europe need only the IBAN; older cross-border wires (and most non-SEPA international transfers) still ask for both, so your bank's transfer form usually has fields for each.

Why use Mod-97 specifically?

Because 97 is prime, which gives the check unusually strong error-detection properties — it catches every single-digit error and the vast majority of two-digit transpositions, which is exactly the failure mode you get when someone retypes an IBAN from a screenshot. Much stronger than a simple Luhn checksum. The "10" in Mod-97-10 just specifies that the modulus is taken from a base-10 (decimal) input, after letters are converted to their two-digit numeric equivalents.

Premium Converters

IBAN Validator

Utility

Validate International Bank Account Numbers via Mod-97 checksum. Country detection for 60+ nations.

Utility

IBAN Validator

Generated on May 23, 2026

IBAN to validate

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IBAN Validation

Valid · Pakistan

Generated

5/23/2026

Valid IBAN — Pakistan

PK36 SCBL 0000 0011 2345 6702

Country

PK — Pakistan

Check digits

BBAN (Basic Bank Account Number)

SCBL0000001123456702

How it works: An IBAN encodes the country (2 letters) + 2 check digits + a country-specific BBAN. The check digits are computed via ISO 7064 Mod-97-10: rearrange the IBAN, replace letters with digits (A=10..Z=35), and compute the result modulo 97 — must equal 1 for the IBAN to be valid. Catches every single-digit typo and most adjacent-digit transpositions.

Quick Answer

Validate International Bank Account Numbers via Mod-97 checksum. Country detection for 60+ nations.

Overview — IBAN Validator

Utility

The IBAN Validator checks International Bank Account Numbers using the ISO 7064 Mod-97-10 checksum algorithm — the same check used by every European, Middle Eastern, and many other banks worldwide to catch typos in international wire transfers. An IBAN is a 2-letter country code + 2 check digits + a country-specific BBAN (Basic Bank Account Number). The check digits are computed from the rest of the IBAN such that the entire string, when arithmetically rearranged, equals 1 (mod 97).

Formula

Mod-97-10 check (ISO 7064): rearrange IBAN by moving first 4 chars to the end → replace each letter with its digit value (A=10, B=11, …, Z=35) → compute the resulting integer modulo 97. Valid IBAN ⇔ result = 1.

By Muhammad Salman SaleemUpdated: May 23, 2026MethodologyFree, no sign-upRuns in your browser — your data stays private

From the editors — what to know before you start

Wiring money internationally is one of the few things in modern banking where a single typo can quietly send your PKR 500,000 to a stranger and the bank shrugs because the IBAN passed format checks. That's exactly what the Mod-97 checksum at the front of every IBAN is designed to stop — those two digits in positions 3 and 4 are a mathematical fingerprint of the rest of the number, computed so the whole string equals 1 modulo 97. A single transposed digit on a printed bank statement, a smudged scan, or a copy-paste that dropped a character will fail validation here in milliseconds, before the wire ever leaves your bank. Validates 60+ country formats including Pakistan (PK, 24 chars), UAE (AE, 23 chars), Saudi Arabia (SA, 24 chars), the entire EU, and the UK, with country detection so you don't have to remember which length goes with which prefix. Always validate before you hit submit on an international transfer — the few seconds of paranoia is cheaper than the recovery process if you get it wrong. Banks can sometimes claw back a mistyped wire; often they can't, especially across borders.

Pro tips most people learn the hard way

Pakistan IBANs are 24 characters starting with PK. The two check digits (positions 3-4) are the only thing standing between you and wiring PKR 500,000 to a stranger — a single transposed digit on a printed bank statement will pass visual inspection but fail validation here. Always paste, never retype, when copying from a screenshot or photo.
A valid IBAN doesn't prove the account exists. Mod-97 only catches typos and transpositions. The number could be syntactically perfect and unassigned to anyone — only the receiving bank can confirm it's real and active. For high-value transfers, ask the recipient to send a small test amount first.
Each country has a fixed length. Pakistan and Saudi Arabia are 24 chars; Germany and UK are 22; Malta is the longest at 31. If you paste an "IBAN" of the wrong length for its country code, it's either typed wrong or it isn't actually an IBAN — possibly an account number someone called an IBAN by mistake.
The US has no IBANs. American banks use ABA routing + account number domestically and SWIFT/BIC for incoming international wires. If a US-based recipient gives you an "IBAN," double-check — they may have given you their SWIFT code, their account number, or generic wire instructions.
BIC and IBAN are not the same thing. BIC (also called SWIFT code) identifies the bank — 8 to 11 letters like SCBLPKKA for Standard Chartered Pakistan. IBAN identifies the specific account at that bank. Modern SEPA transfers in Europe need only the IBAN; cross-border wires often still ask for both.

?What is the IBAN Validator?

The Formula

Mod-97-10 check (ISO 7064): rearrange IBAN by moving first 4 chars to the end → replace each letter with its digit value (A=10, B=11, …, Z=35) → compute the resulting integer modulo 97. Valid IBAN ⇔ result = 1.

Practical Examples

Validate a Pakistan IBAN: `PK36 SCBL 0000 0011 2345 6702` (Standard Chartered Bank Pakistan).

Validate a Saudi IBAN before sending an international wire from your bank's app.

Quickly catch a typo before submitting an invoice's payment details.

Validate a UK IBAN: `GB82 WEST 1234 5698 7654 32` (NatWest test IBAN from the spec).

Verify a UAE IBAN: `AE07 0331 2345 6789 0123 456` (Emirates NBD example).

Frequently Asked Questions

No, and this is the part that catches people out. Mod-97 only proves the number is mathematically well-formed — it could pass validation perfectly and still be unassigned to anyone. The only way to confirm the account is real and active is the receiving bank itself. For a high-value transfer like PKR 500,000 to someone you haven't paid before, ask the recipient to send you a small test amount first, or use your bank's pre-validation service if it offers one.

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Premium Converters

IBAN Validator

Utility

Validate International Bank Account Numbers via Mod-97 checksum. Country detection for 60+ nations.

Utility

IBAN Validator

Generated on May 23, 2026

IBAN to validate

Save / share— download or share to WhatsApp, Facebook & more

Premium Converters

IBAN Validation

Valid · Pakistan

Generated

5/23/2026

Valid IBAN — Pakistan

PK36 SCBL 0000 0011 2345 6702

Country

PK — Pakistan

Check digits

BBAN (Basic Bank Account Number)

SCBL0000001123456702

Quick Answer

Validate International Bank Account Numbers via Mod-97 checksum. Country detection for 60+ nations.

Overview — IBAN Validator

Utility

Formula

Mod-97-10 check (ISO 7064): rearrange IBAN by moving first 4 chars to the end → replace each letter with its digit value (A=10, B=11, …, Z=35) → compute the resulting integer modulo 97. Valid IBAN ⇔ result = 1.

By Muhammad Salman SaleemUpdated: May 23, 2026MethodologyFree, no sign-upRuns in your browser — your data stays private

From the editors — what to know before you start

Pro tips most people learn the hard way

Pakistan IBANs are 24 characters starting with PK. The two check digits (positions 3-4) are the only thing standing between you and wiring PKR 500,000 to a stranger — a single transposed digit on a printed bank statement will pass visual inspection but fail validation here. Always paste, never retype, when copying from a screenshot or photo.
A valid IBAN doesn't prove the account exists. Mod-97 only catches typos and transpositions. The number could be syntactically perfect and unassigned to anyone — only the receiving bank can confirm it's real and active. For high-value transfers, ask the recipient to send a small test amount first.
Each country has a fixed length. Pakistan and Saudi Arabia are 24 chars; Germany and UK are 22; Malta is the longest at 31. If you paste an "IBAN" of the wrong length for its country code, it's either typed wrong or it isn't actually an IBAN — possibly an account number someone called an IBAN by mistake.
The US has no IBANs. American banks use ABA routing + account number domestically and SWIFT/BIC for incoming international wires. If a US-based recipient gives you an "IBAN," double-check — they may have given you their SWIFT code, their account number, or generic wire instructions.
BIC and IBAN are not the same thing. BIC (also called SWIFT code) identifies the bank — 8 to 11 letters like SCBLPKKA for Standard Chartered Pakistan. IBAN identifies the specific account at that bank. Modern SEPA transfers in Europe need only the IBAN; cross-border wires often still ask for both.

?What is the IBAN Validator?

The Formula

Practical Examples

Validate a Pakistan IBAN: `PK36 SCBL 0000 0011 2345 6702` (Standard Chartered Bank Pakistan).

Validate a Saudi IBAN before sending an international wire from your bank's app.

Quickly catch a typo before submitting an invoice's payment details.

Validate a UK IBAN: `GB82 WEST 1234 5698 7654 32` (NatWest test IBAN from the spec).

Verify a UAE IBAN: `AE07 0331 2345 6789 0123 456` (Emirates NBD example).

Frequently Asked Questions

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Translate colors between HEX, RGB, and HSL with a live swatch preview — built for CSS work, brand palette design, and converting Tailwind shades between formats.

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Live word, character, sentence, and paragraph counter with reading and speaking time estimates — ideal for essays, blog SEO, tweets within 280 chars, and timed speeches.

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Generate cryptographically secure random passwords (6 to 64 chars) using the browser's Web Crypto API, with strength meter and optional uppercase, digits, and symbol character sets.

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IBAN Validator — Validate International Bank Account Numbers via Mod-97 checksum | Premium Converters

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IBAN Validator

IBAN Validator

IBAN Validation

Overview — IBAN Validator

From the editors — what to know before you start

Pro tips most people learn the hard way

?What is the IBAN Validator?

The Formula

Practical Examples

Frequently Asked Questions

Popular Conversions

Embed this calculator on your site

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Premium Converters

IBAN Validator

IBAN Validator

IBAN Validation

Overview — IBAN Validator

From the editors — what to know before you start

Pro tips most people learn the hard way

?What is the IBAN Validator?

The Formula

Practical Examples

Frequently Asked Questions

Popular Conversions

Embed this calculator on your site

Browse other categories

Premium Converters

Premium Converters

IBAN Validator

IBAN Validator

Overview — IBAN Validator

From the editors — what to know before you start

Pro tips most people learn the hard way

?What is the IBAN Validator?

The Formula

Practical Examples

Frequently Asked Questions

Does a valid IBAN guarantee the account exists?

Why is each country's IBAN a different length?

Is IBAN used in the US?

What is BIC/SWIFT and how does it relate?

Why use Mod-97 specifically?

Popular Conversions

Embed this calculator on your site

More Utility Tools

Browse other categories

Premium Converters

IBAN Validator

IBAN Validator

Overview — IBAN Validator

From the editors — what to know before you start

Pro tips most people learn the hard way

?What is the IBAN Validator?

The Formula

Practical Examples

Frequently Asked Questions

Does a valid IBAN guarantee the account exists?

Why is each country's IBAN a different length?

Is IBAN used in the US?

What is BIC/SWIFT and how does it relate?

Why use Mod-97 specifically?

Popular Conversions

Embed this calculator on your site

More Utility Tools

Browse other categories