Verificador IBAN gratuito

Cómo usar el verificador IBAN

1. Pega o escribe un IBAN en el campo. La herramienta formatea automáticamente con espacios cada 4 caracteres.
2. La validación se ejecuta en tiempo real al escribir. No hay que pulsar ningún botón—los resultados aparecen automáticamente.
3. Consulta el resultado: badge Válido o Inválido, país con bandera, longitud, dígitos de control, BBAN, y banco/sucursal/cuenta cuando aplique.

¿Qué es el IBAN?

El IBAN (International Bank Account Number) es un formato estándar para identificar cuentas bancarias internacionales. Incluye código de país, dígitos de control y el número de cuenta doméstico (BBAN). Se usa en Europa, Oriente Medio y muchas otras regiones para transferencias internacionales y pagos SEPA.

The IBAN was introduced by the European Committee for Banking Standards (ECBS) and later adopted as ISO 13616. It replaced dozens of different national account formats with a single, machine-readable standard. Today over 80 countries use IBAN for cross-border payments. Each country has a fixed length—for example, Germany uses 22 characters, France 27, and Qatar 29. The first two letters are the country code (DE, FR, QA), followed by two check digits that help detect typos. The rest is the BBAN (Basic Bank Account Number), which varies by country. Banks and payment systems use the MOD-97 algorithm to validate the check digits before processing a transfer.

Formato IBAN por país

IBAN Best Practices

• Always verify an IBAN before sending money. A single wrong digit can route your payment to the wrong account or cause it to be rejected.
• Double-check the country code matches the recipient's bank. QA is Qatar, SA is Saudi Arabia, AE is UAE—mixing these up is a common mistake.
• For international transfers outside SEPA, you'll need both the IBAN and the SWIFT/BIC code. The IBAN identifies the account; SWIFT identifies the bank.
• Keep a copy of validated IBANs for recurring payments. Our tool's Copy button gives you a clean, formatted IBAN ready to paste into payment forms.
• If a transfer fails, verify the IBAN again. Banks may reject invalid formats immediately—catching errors beforehand saves time and fees.

IBAN and International Transfers

IBANs are used in different ways depending on the region. Understanding the context helps you use them correctly.

• SEPA (Single Euro Payments Area) covers EU countries plus Norway, Iceland, Liechtenstein, Switzerland, and others. For SEPA transfers, the IBAN is usually sufficient—no SWIFT code needed. Transfers are typically same-day or next-day and low-cost. Source: European Payments Council.
• For wire transfers outside SEPA (e.g., to Qatar, UAE, Saudi Arabia), banks require both IBAN and SWIFT/BIC. The SWIFT code routes the payment to the correct bank; the IBAN identifies the specific account. Fees and processing times vary by bank. Source: SWIFT.
• GCC countries (Qatar, Saudi Arabia, UAE, Bahrain, Kuwait, Oman) all use IBAN for domestic and international transfers. Qatar adopted IBAN in 2010. Each country has its own length and structure—Qatar uses 29 characters, Saudi Arabia 24, UAE 23. Source: Qatar Central Bank, Saudi Central Bank (SAMA).

How IBAN Validation Works

Our checker uses the MOD-97 algorithm defined in ISO 13616. The algorithm rearranges the IBAN (moving the first 4 characters to the end), converts letters to numbers (A=10, B=11, etc.), and checks if the result is divisible by 97. If it is, the IBAN passes the checksum test. This catches most typos and transposition errors. The algorithm is the same one used by banks and payment networks worldwide.

Preguntas frecuentes

Sources and References

The IBAN format, country structures, and validation rules on this page are based on official standards and central bank publications. Standards can be updated—always confirm with your bank for critical transfers.

• European Central Bank – SEPA and payment systems
• ISO 13616 – International Bank Account Number standard
• SWIFT – IBAN registry and country formats
• ISO 13616 IBAN Registry
• Qatar Central Bank – Banking standards
• Saudi Central Bank (SAMA) – Payment systems