IBAN Generator - Professional Testing Tool for Banking Development
Free professional tool to generate valid test IBAN codes for banking development and payment system testing. Create properly structured International Bank Account Numbers for testing without real transaction risks.
What is IBAN and Its Purpose
IBAN (International Bank Account Number) is an international standard for bank account identification, developed to simplify international banking transfers. Introduced by the European Committee for Banking Standards (ECBS) and approved by ISO as standard ISO 13616.
Primary IBAN purpose: reduce errors in international transfers, standardize banking information, accelerate payment processing in European Union countries and others.
Mod-97 validation algorithm: IBAN uses check digits calculated with mod-97 algorithm according to ISO/IEC 7064 standard. This ensures detection of 99.97% of input errors.
IBAN Code Structure and Format
General IBAN structure: code consists of 2-letter country code (ISO 3166-1 alpha-2), 2 check digits, and up to 30 characters of national Basic Bank Account Number (BBAN).
National format variations: each country has unique BBAN format. For example, German IBANs have 22 characters with 8-digit bank code and 10-digit account number.
Check digits: calculated by moving first 4 characters to end, replacing letters with numbers (A=10, B=11, ..., Z=35), dividing by 97, and subtracting result from 98.
Test IBAN Applications in Development
Banking testing: financial institutions use test IBANs to verify payment processing systems, validate formats, test integrations with international payment systems.
Fintech app development: development companies use valid test codes for creating payment apps, online banking, transfer systems without real transaction risks.
Payment gateway integration: when connecting to Stripe, PayPal, SEPA, and other payment systems, valid IBANs are needed for functionality testing.
Training and demonstrations: banking courses, financial training, presentations use test IBANs for system demonstrations without exposing real data.
Countries and IBAN Formats
European Union: all EU countries mandatory use IBAN for domestic and international transfers. Each country has unique code length and structure.
Germany (DE): 22 characters, format DE + 2 check digits + 8 bank digits + 10 account digits. One of most common formats for testing.
France (FR): 27 characters, includes 5-digit bank code, 5-digit branch code, 11-digit account number, and 2 check digits.
United Kingdom (GB): 22 characters, contains 4-letter bank code (BIC), 6-digit sort code, and 8-digit account number.
Switzerland and Norway: non-EU countries that also use IBAN for international operations and European banking system integration.
IBAN Validation and Verification
Validity checking algorithm: move first 4 characters to end, replace letters with numbers per table A=10...Z=35, calculate remainder from division by 97. Valid IBAN has remainder of 1.
Automatic validation: our generator automatically creates codes with correct check digits that pass validation in all standard systems.
System verification: most banking and payment systems automatically validate IBAN codes before processing transactions.
Security and Usage Limitations
Testing only: generated IBANs have correct structure but don't correspond to real bank accounts. Use for real payments is impossible.
Privacy: all codes generated locally in browser, no information transmitted to server or stored.
Disclaimer: generator intended exclusively for testing and educational purposes. Developers not responsible for misuse.
Integration in Development Projects
API testing: use generated IBANs for testing REST APIs that process banking data without risk of affecting real accounts.
Unit testing: valid test codes perfect for writing automated IBAN validation tests in applications.
Demo versions: use for creating demo versions of banking apps, financial calculators, payment interfaces.
Our Generator Advantages
✓ Support for all IBAN-using countries
✓ Automatic validation with mod-97 algorithm
✓ Bulk generation of multiple codes
✓ Space formatting for convenience
✓ Code structure display for learning
✓ Complete privacy - no data storage
✓ Free unlimited usage
Use our generator for professional banking system testing, financial app development, and IBAN standard learning. All generated codes comply with international standards and pass validation.