Last reviewed: · Curated by Ohmyfin Organisation editorial.
Use Ohmyfin to check that an IBAN is well-formed before you send a wire. The validator checks ISO 13616 length, MOD-97 check digits, and country prefix.
How it works — 3 steps
Step 1 · PasteDrop your UETR, MT103 reference or pacs.008 EndToEndId into the form above.
Step 2 · ScanOhmyfin queries the SWIFT correspondent network and decodes the latest status in 2-6 seconds.
Step 3 · ReadSee the plain-English status, every correspondent bank, value date, currency and per-hop fees.
Each country defines its own IBAN length — Germany 22, France 27, UK 22, Saudi Arabia 24, etc.
What is MOD-97 validation?
IBANs include 2 check digits computed by the MOD-97 algorithm. Ohmyfin recomputes the check digits and flags any mismatch — a common defence against typos.
Does the validator confirm the account holder?
No. The validator only confirms the IBAN is well-formed and identifies the issuing bank. Account-holder confirmation requires a Confirmation-of-Payee service from your bank.
Is a US bank account an IBAN?
No. The United States does not use IBAN — US accounts are identified by ABA routing number + account number. IBAN is used across the EU, Middle East and parts of Asia and Latin America.
Can I derive the BIC from the IBAN?
For some countries yes (the bank code is embedded in the IBAN). For others, no. Ohmyfin returns the BIC when it can be derived deterministically.