calculator iban bic

What this calculator IBAN BIC tool helps you do

If you send or receive international payments, you will almost always run into two identifiers: IBAN (International Bank Account Number) and BIC (Bank Identifier Code, also called SWIFT code). This calculator helps with two practical tasks:

• Generate IBAN check digits from a country code and BBAN.
• Validate IBAN and BIC syntax before you submit a transfer.

In real life, this can reduce failed payments, prevent delays, and save fees caused by typing mistakes.

IBAN vs BIC: quick difference

IBAN

An IBAN identifies a specific account in a standardized international format. It includes: country code, two check digits, and the domestic account structure (BBAN).

BIC / SWIFT

A BIC identifies a bank or branch. It is usually 8 or 11 characters long:

• 4 letters: bank code
• 2 letters: country code
• 2 letters/numbers: location code
• optional 3 letters/numbers: branch code

How the IBAN check-digit algorithm works

The calculator uses the official MOD-97 checksum process:

1. Move the first 4 IBAN characters to the end.
2. Convert letters to numbers (A=10, B=11, ... Z=35).
3. Compute remainder when divided by 97.
4. A valid IBAN returns remainder 1.

For generation, the tool inserts 00 as temporary check digits, runs MOD-97, then computes final digits as 98 - remainder.

Step-by-step usage

Generate an IBAN

• Enter a 2-letter country code.
• Enter the BBAN (bank + account format used by that country).
• Click Generate IBAN.

Validate payment details

• Paste the IBAN from an invoice or supplier form.
• Optionally add the BIC from the same source.
• Click Validate IBAN / BIC to check structure and checksum.

Common mistakes this catches

• Wrong IBAN check digits.
• Character swaps (for example, O vs 0).
• Incorrect IBAN length for many countries.
• Invalid BIC length or bank/country segment format.

Important limitations

This tool validates format and checksum. It does not guarantee that:

• the account is open,
• the account belongs to a specific person or company,
• the BIC is currently active for payment routing in every network.

For high-value transfers, always verify beneficiary details directly with the recipient.

FAQ

Can I derive BIC from IBAN?

Not universally. Some countries and banks provide lookup tables, but there is no single guaranteed rule that always produces a BIC from an IBAN alone.

Does spacing matter in IBAN?

No. Spaces are for readability. Validation works on the compact IBAN form.

Why does my generated IBAN show a length warning?

Your BBAN may not match the country's expected structure length. The checksum can still be calculated, but real banking systems may reject the final value.