Question 1

What is an IBAN?

Accepted Answer

An International Bank Account Number (IBAN) is a standardized international numbering system used to identify bank accounts across borders. It consists of a country code, check digits, and a domestic bank account number. IBANs are used in over 70 countries worldwide.

Question 2

How does IBAN validation work?

Accepted Answer

IBAN validation uses the MOD-97 algorithm defined in ISO 13616. The first four characters are moved to the end, letters are converted to numbers (A=10, B=11, etc.), and the resulting number must give a remainder of 1 when divided by 97.

Question 3

What is a SWIFT/BIC code?

Accepted Answer

A SWIFT/BIC (Bank Identifier Code) is an 8 or 11 character code that uniquely identifies a bank for international wire transfers. It includes the bank code (4 letters), country code (2 letters), location code (2 alphanumeric), and optional branch code (3 alphanumeric).

Question 4

What is an ABA routing number?

Accepted Answer

An ABA (American Bankers Association) routing number is a 9-digit code used in the United States to identify financial institutions. It is used for routing checks, wire transfers, and ACH payments between banks.

Question 5

Is my data safe with SwiftCheck?

Accepted Answer

Yes. SwiftCheck processes all validations entirely in your browser using client-side JavaScript. No bank codes, IBANs, or routing numbers are ever transmitted to our servers. Your financial data never leaves your device.

Question 6

What is a UK sort code?

Accepted Answer

A UK sort code is a 6-digit number in the format XX-XX-XX that identifies a specific bank branch in the United Kingdom and Ireland. It is used alongside an account number for domestic payments.

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Understanding International Banking Codes

IBAN (ISO 13616)

SWIFT/BIC (ISO 9362)

Frequently Asked Questions