IBAN Checker

By verifying the IBAN format, we ensure accuracy, prevent errors, and enable fast, secure international payments

Example of an IBAN in the United Kingdom

Country code

Check digits

ABCD

Bank code

123***

Branch code

123*****

Bank account number

IBAN verification

Top tips for safe and secure transfers

Avoid IBAN typing mistakes

Copy and paste your IBAN number to prevent errors and ensure successful bank transfers

Use IBAN in digital format

Always enter the IBAN in standard digital format to comply with international banking regulations

Confirm IBAN with recipient

Double-check the IBAN details with your recipient to prevent misdirected money transfers

Understand IBAN structure

Learn about IBAN components like country code, sort code, bank code, and account number for accurate international payments

React quickly to IBAN errors

If you enter the wrong IBAN, contact your bank support immediately to resolve payment issues

Verify recipient information

Ensure the recipient’s banking details are correct before initiating a wire transfer

Beware of non-existing IBANs

Using an invalid IBAN number could result in funds being sent to the wrong bank account

Online banking platforms

Log into your bank account online to find your IBAN under the account details section

Bank statements

Your IBAN code is typically listed on monthly statements issued by your bank

Mobile banking apps

Most banking apps display the IBAN format in your account information

What is an IBAN and why verify it?

An International Bank Account Number (IBAN) is a unique identifier for bank accounts worldwide, ensuring accurate processing of global payments and international money transfers. IBAN verification helps prevent errors, reduces failed transactions, and ensures that your funds reach the correct destination quickly and securely

Error prevention

Incorrect IBANs can lead to failed transactions or funds being sent to the wrong account

Faster payments

A verified IBAN speeds up processing times for cross-border transfers

Reduced fees

Avoid extra bank charges caused by incorrect account details

Compliance & security

Ensures transactions meet international banking standards, reducing fraud risks

IBAN (which stands for International Bank Account Number) is an internationally agreed code made up of up to 34 letters and numbers which helps banks make sure that international transfers are processed correctly.

It ensures secure, error-free transactions, making global payments faster and more reliable. IBANs are essential for businesses and individuals handling cross-border transactions, especially in the European Union (EU), the UK, and other IBAN-compliant countries.This system is also recognised in some areas of the Middle East, North Africa and the Caribbean.

Verifying an IBAN number is crucial for preventing failed payments, bank fees, and transaction delays. An IBAN validator helps ensure compliance with international banking standards and protects businesses from fraudulent transactions. Financial institutions and payment service providers (PSPs) recommend IBAN verification to streamline payment processing.

If you enter an incorrect IBAN, your bank transfer may:

Fail and return to your account (rejected transactions).
Be sent to the wrong recipient, requiring bank intervention.
Incur additional fees due to processing errors.

To avoid issues, always verify the IBAN format before submitting an international payment.

No, IBANs are primarily used in Europe, the Middle East, and some parts of Asia and Africa. Countries like the USA, Canada, and Australia do not use IBANs but rely on Cross-border codes and account numbers for international bank transfers.

The processing time for an IBAN payment depends on the banking system and whether it’s a SEPA or Cross-border transfer:

SEPA Transfers (within the EU) – Usually 1 business day.
Cross-border Transfers (global) – Typically 1–5 business days, depending on the intermediary banks.
Bank Processing Time – Some banks may have cutoff times that delay processing.

A reliable IBAN validator performs a real-time check against banking databases, confirming IBAN’s structure and integrity. While it does not verify account ownership, it reduces errors in SEPA payments, Cross-border transactions, and cross-border remittances.

PayDo is a licensed Electronic Money Institution (EMI) offering multicurrency IBAN accounts, virtual cards, merchant payment processing, and mass payouts. PayDo operates in 150+ countries and serves industries such as iGaming, crypto, e-commerce, forex trading, affiliate marketing, and SaaS platforms.

With secure online payments, PCI DSS compliance, and real-time currency exchange, PayDo is an ideal solution for businesses and individuals seeking global payment processing.

Yes, PayDo is a fully regulated EMI, authorized by the FCA (UK) and FINTRAC (Canada), ensuring compliance with AML (Anti-Money Laundering) regulations, KYC (Know Your Customer) standards, and PSD2 requirements.

PayDo provides secure digital banking solutions with features like instant SEPA, SEPA Instant transfers, Cross-border payments, and crypto-friendly banking. Businesses and individuals worldwide trust PayDo for high-speed, low-cost online transactions.