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🧩 IBAN Component Decoder
Decode IBANs by country to expose bank codes, branch identifiers, and account numbers. Validate MOD 97-10 checksums and link directly to national bank directories for enrichment.
IBAN Component Decoder
Break down an IBAN into country-specific components, validate the MOD 97 checksum, and see which domestic directories maintain the referenced bank or branch codes.
How to use this tool
- Paste a full IBAN, including the country code and check digits.
- Confirm the checksum passes and note which domestic components were extracted.
- Use the linked directories to enrich bank metadata or to validate branch status before payouts.
Compliance use cases
- Screen counterparties by matching IBAN bank codes against sanctioned institutions.
- Automate document requests when the branch code maps to higher-risk geographies.
- Trigger alerts when customers provide IBANs for unsupported countries or failing checksums.
Data quality tips
- Spaces and hyphens are removed automatically—store IBANs as continuous characters.
- Always validate against the latest ISO 13616 registry for new country formats.
- For countries without published directories, request bank letters to confirm ownership.
FAQ
- Why does my IBAN show unknown components?
- The decoder currently covers the most common SEPA formats. Future updates will add more countries and proprietary mappings.
- Does a valid checksum guarantee the account exists?
- No. The checksum proves structural integrity only. Work with the beneficiary or bank to confirm account ownership.
- Can I bulk decode IBANs?
- Use the ToolHop API proxy or export this component into your internal onboarding tooling for batch operations.
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