Cross-border banking utilities
Free IBAN Validator & SWIFT Code Lookup Tools
Need to validate an IBAN or find a bank's SWIFT/BIC code? IBANtool gives you two free tools — an IBAN validator that checks format, length, and MOD 97 check digits per ISO 13616, and a SWIFT code lookup that searches 178+ banks across 50+ countries.
Our tools
Tool 01
IBAN Validator
Format, length, and MOD 97 check-digit validation for 53 countries. Instantly breaks the IBAN into country, check digits, and BBAN.
Open validator →Tool 02
SWIFT / BIC Code Lookup
Search by bank name, country, or BIC. Decode any 8- or 11-character SWIFT code into bank, country, location, and branch.
Open lookup →Private, free, and instant
Everything runs in your browser. No signup, no server logs, no data uploaded. Your IBAN and search queries never leave your device — so you can validate an account or look up a BIC without exposing financial details to a third party.
Popular banking regions
Start with the countries that have the broadest bank coverage in our SWIFT lookup.
Why SWIFT codes vary by country
A SWIFT or BIC code uses the same basic eight- or eleven-character shape worldwide, but the country and location blocks identify a particular legal entity or processing centre. A branch suffix can then route the payment to a specific office. That is why a bank brand may have different BICs in different countries, and why a code that looks familiar can still send a payment to the wrong institution. The receiving bank's instructions should always take priority over an old directory listing.
The account identifier also depends on the destination. Many European transfers pair a BIC with an IBAN, while other corridors use a local account number and additional clearing or routing details. For a concrete China example, see the ICBC SWIFT code and branch routing guide ; compare it with the German IBAN format when a transfer needs both bank routing and account-level validation. When you already have a code, the SWIFT lookup can decode its bank, country, location, and branch blocks before you submit a wire.
IBAN format & example by country
53 ISO 13616 country specs — length, structure, and a sample IBAN for each.
Why IBANtool
100% client-side
IBAN validation and BIC decoding run entirely in your browser. Nothing is uploaded, logged, or stored.
ISO 13616 compliant
MOD 97-10 check-digit algorithm with per-country length rules for every registered IBAN country.
Developer friendly
Copy formatted IBANs, inspect the full breakdown, and validate integration test cases in one paste.
IBAN & SWIFT code FAQ
- What is an IBAN?
- An IBAN (International Bank Account Number) is a standardized format for identifying bank accounts across borders, defined by ISO 13616. It starts with a 2-letter country code, 2 check digits, and a country-specific BBAN. IBANtool validates the format, length, and MOD 97 check digits for 50+ countries.
- What is a SWIFT / BIC code?
- A SWIFT code (also called a BIC, Business Identifier Code) is an 8- or 11-character identifier for a bank, used for international wire transfers. The first 4 characters are the bank code, 5–6 the country, 7–8 the location, and 9–11 an optional branch code.
- Is IBANtool free and private?
- Yes. IBANtool is free with no signup, and all IBAN validation and SWIFT/BIC decoding run entirely in your browser. The IBAN or BIC you enter is never uploaded to or stored on a server.
- Does a valid IBAN mean the account exists?
- No. IBANtool only verifies structure and check digits against ISO 13616. A valid IBAN does not guarantee the account exists, is open, or belongs to a specific person. Always confirm with the recipient or their bank before transferring funds.
- How do I find my bank’s SWIFT code?
- Search by bank name or country in the SWIFT/BIC lookup, or paste a BIC to decode it. You can also find the code on a bank statement, in online banking, or by asking the receiving bank. Confirm the code before sending money.
- What’s the difference between an IBAN and a SWIFT code?
- An IBAN identifies a specific bank account, while a SWIFT/BIC code identifies the bank itself. For an international transfer you often need both: the SWIFT code to route to the bank, and the IBAN to reach the exact account.