IBAN + SWIFT/BIC Calculator
Generate an IBAN from country code + BBAN, validate IBAN checksum (Mod-97), validate SWIFT/BIC format, and check whether the IBAN country matches the SWIFT country.
1) Generate IBAN
2) Validate IBAN
3) Validate SWIFT/BIC
4) Check IBAN + SWIFT Pair
What is an IBAN and SWIFT code?
When sending or receiving international payments, you usually need two identifiers: an IBAN and a SWIFT/BIC code. They serve different purposes, and knowing the difference helps you avoid failed or delayed transfers.
- IBAN (International Bank Account Number) identifies a specific bank account in a standardized international format.
- SWIFT/BIC (Bank Identifier Code) identifies the bank itself and, optionally, a branch.
Think of it this way: IBAN points to the destination account, while SWIFT/BIC points to the destination institution.
How this IBAN SWIFT calculator works
IBAN generation
To generate an IBAN, the calculator combines your two-letter country code and BBAN, then computes the official check digits using the ISO 13616 Mod-97 algorithm. The formula ensures that simple typing errors can be detected before sending money.
IBAN validation
Validation checks:
- Basic IBAN structure (country code + check digits + alphanumeric body)
- Allowed overall length (15 to 34 characters)
- Known country-specific length rules where available
- Checksum integrity using Mod-97 (must equal 1)
SWIFT/BIC validation
The SWIFT check follows standard formatting:
- 4 letters for bank code
- 2 letters for country code
- 2 alphanumeric characters for location code
- Optional 3-character branch code
Valid SWIFT/BIC length is 8 or 11 characters.
Step-by-step usage guide
1) Generate an IBAN
Enter the country code and BBAN, then click Generate IBAN. The tool returns a formatted IBAN with computed check digits.
2) Validate an existing IBAN
Paste the full IBAN (spaces are fine). Click Validate IBAN. You will receive a pass/fail status and a short explanation.
3) Validate a SWIFT/BIC
Paste the SWIFT code and click Validate SWIFT/BIC. The result includes whether the code is structurally valid and extracts bank/country/location information.
4) Check pair compatibility
Use the pair checker to confirm that the country in the IBAN matches the country in the SWIFT/BIC. This catches a common data-entry mistake in cross-border payment forms.
Common mistakes this tool helps prevent
- Missing or incorrect IBAN check digits
- Wrong country code in IBAN or SWIFT
- Invalid SWIFT length (not 8 or 11)
- Accidental spaces, punctuation, or lowercase input
- Country mismatch between account and bank identifiers
Important limitations
This calculator validates format and checksum logic, but it does not confirm that an account is open, funded, or reachable for settlement. It also cannot verify sanctions, routing constraints, or bank-specific local clearing requirements.
For production payment workflows, combine this pre-check with your banking provider API, beneficiary confirmation process, and compliance controls.
FAQ
Can a valid IBAN still fail a transfer?
Yes. A valid IBAN can still fail due to incorrect account ownership, compliance flags, closed accounts, or unsupported transfer corridors.
Is SWIFT the same as BIC?
In everyday banking language, yes. SWIFT code and BIC are commonly used interchangeably.
Should I store IBANs with spaces?
Display with spaces for readability, but store normalized uppercase alphanumeric values in databases for reliable matching and validation.
Final tip
Before sending international payments, validate early (at form entry), validate again (before execution), and keep an audit trail of corrections. A 10-second check can prevent expensive reversals and multi-day delays.