How to use IBAN Generator
An IBAN generator creates International Bank Account Numbers that have a valid country format and correct check digits, for use in testing. An IBAN encodes a country, two check digits and a country-specific bank and account number into a single string that software can validate before sending money. When you build or test banking, invoicing or payment forms, you need IBANs that pass structural validation without representing real accounts. This tool generates format-valid test IBANs for several countries — Germany, the UK, Spain, the Netherlands, Ireland, Belgium, France and Italy — each with the right length and a check digit computed using the official ISO 13616 mod-97 method. The bank and account portions are random, so the IBANs validate but identify no real account, and everything is generated locally in your browser.
- Choose the country whose IBAN format you need.
- Set how many IBANs to generate.
- Click generate to produce format-valid IBANs.
- Copy an IBAN into your form or test suite.
- Confirm your validation accepts it.
Your data never leaves your device — 100% private processing.
How IBAN check digits work
An IBAN begins with a two-letter country code, then two check digits, then the BBAN — the basic bank account number whose length and structure are fixed by each country. The check digits are what let software reject typos before money moves. They are calculated with the ISO 13616 mod-97 procedure: the four leading characters (country code plus check digits) are moved to the end of the string, every letter is converted to a number (A becomes 10, B becomes 11, up to Z as 35), and the resulting long number is divided by 97. For a valid IBAN the remainder is exactly one; to create the check digits, the generator instead appends the country code and "00", takes the remainder, and subtracts it from 98. This generator builds a random but correctly structured BBAN for the chosen country, computes the check digits this way, and assembles a string that passes the same validation as a real IBAN.
| Country | Code | Total length |
|---|---|---|
| Germany | DE | 22 |
| United Kingdom | GB | 22 |
| Spain | ES | 24 |
| France | FR | 27 |
For testing, not real transfers
These IBANs are deliberately not real. Their country code, length and check digits are correct, which is exactly why they are useful for exercising validation, but the bank and account digits are random, so no IBAN produced here points to an existing account. That means they are safe to drop into test databases, form fixtures and automated tests without any privacy or compliance concern. They must never be used to attempt an actual transfer: a payment would either be rejected because the bank or account does not exist, or in the worst case misdirected, so always use genuine details for real money. Note too that real-world IBAN validation often goes beyond the check digits to confirm the bank code corresponds to an actual institution; this tool only guarantees structural and checksum validity. For end-to-end payment testing, use the sandbox account details your bank or payment provider supplies.
Worked examples
German test IBAN
Inputs: Germany (DE)
Result: 22-character IBAN with valid DE check digits
UK test IBAN
Inputs: United Kingdom (GB)
Result: 22-character IBAN with a 4-letter bank code
Glossary
- IBAN
- International Bank Account Number — a standardised account identifier used across countries.
- BBAN
- The Basic Bank Account Number — the country-specific part after the check digits.
- Check digits
- Two digits that let software detect typos in an IBAN via the mod-97 rule.
- Mod-97
- The ISO 13616 algorithm that validates and generates IBAN check digits.
- Country code
- The two-letter ISO code at the start of every IBAN.
Related reading
Frequently Asked Questions
Why use IBAN Generator?
- Generate IBANs with valid formats and check digits
- Choose from several supported countries
- Test IBAN validation without real bank details
- Produce several IBANs at once for bulk testing
- Runs entirely in your browser — nothing is uploaded
Common use cases
- Test that a form validates IBAN structure correctly
- Check your mod-97 check-digit validation logic
- Populate a staging system with safe sample IBANs
- Verify country-specific length handling
- Demo a payments form without real account data
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