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IBAN Validator

Documents and bank details

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IBAN error check: checksum and bank code.

The check runs in your browser using the international MOD-97 algorithm. We do not contact banks, so we only see whether the number itself is correct, not the state of the account.

What an IBAN is made of

The international bank account format. Each part has its own purpose.

Country code Two letters at the start: UA for Ukraine, DE for Germany, PL for Poland.
Check digits Two digits calculated from the rest of the number. They are what catch an error before the money leaves.
Bank code Identifies the institution. Length varies by country — six digits in Ukraine, different elsewhere.
Account number The remainder. Total IBAN length depends on the country: 29 characters for Ukraine, 22 for Germany.

What the check tells you

A mathematical format check. It does not contact the bank or confirm the account is open.

A mistyped digit The most common case: one wrong digit or two swapped. The checksum catches both.
Wrong length Length is fixed per country. An extra or missing character shows up immediately.
Country and bank The number reveals the country and institution. Useful when sending money abroad.
What it cannot show Whether the account actually exists, is active, or who owns it. Only the bank knows that.

Common transfer mistakes

Spaces copied from a document IBANs are often printed in groups of four for readability. Banks expect it without spaces.
A letter instead of a digit Zero and letter O, one and letter I look identical in many fonts. The classic error when typing from paper.
Details from an email Fraudsters swap the account in an emailed invoice. Verify details by phone, not by mail.
The old account format Ukraine moved to IBAN in 2019. Details from older contracts no longer work.

FAQ

How is a Ukrainian IBAN structured?
It is exactly 29 characters: the two-letter country code UA, two check digits, six digits of the bank code and nineteen characters of the account itself. Spaces mean nothing — they are added in groups of four purely for readability and are not needed when entering the number in a bank.
What is MOD-97 and why is it used?
It is the international check algorithm: the first four characters move to the end, letters are replaced by numbers, and the resulting long number is divided by 97. If the remainder is one, the number is written correctly. The method catches over 99% of typical mistakes: transposed digits, a missing or extra character. That is exactly why banks validate an IBAN before sending a payment.
The IBAN is valid but the payment fails. Why?
Because mathematical correctness and a working account are different things. The number may be written flawlessly while the account is closed, blocked, belongs to someone else or is held in another currency. Another frequent cause is a mismatch between the recipient name on the payment and the actual account holder — banks reject those. Only the bank can confirm this.
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