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IBAN Generator

Generate a test IBAN for 41 European countries — correctly sized and formatted, with a genuine mod-97 check digit. Not tied to any real bank account. Runs entirely in your browser.

These IBANs are not real bank accounts. Each one passes the standard mod-97 checksum every real IBAN uses, so format validators accept it, but it isn't tied to any bank or funds.

IBAN

What is an IBAN?

An International Bank Account Number (IBAN) identifies a specific bank account across borders. It's built from a 2-letter country code, 2 check digits, and a country-specific Basic Bank Account Number (BBAN) that encodes the bank code, branch, and account number. IBANs are used across the EU, UK, and most of Europe for SEPA transfers, and increasingly required on payment and onboarding forms.

How the check digits work

The last two characters of the country code position — the digits right after the country letters — are computed with the ISO 7064 mod-97-10 algorithm: move the country code and check digits to the end of the BBAN, convert any letters to numbers (A=10 ... Z=35), and reduce the resulting number mod 97. A valid IBAN always reduces to 1. This tool runs that exact calculation, so every IBAN it generates passes the same checksum real banking software checks first — without belonging to a real account.

Supported countries

Each country has its own IBAN length and internal structure. This tool covers 41 countries with the correct length and format for each:

🇦🇩Andorra· 24 chars 🇦🇹Austria· 20 chars 🇧🇪Belgium· 16 chars 🇧🇦Bosnia and Herzegovina· 20 chars 🇧🇬Bulgaria· 22 chars 🇭🇷Croatia· 21 chars 🇨🇾Cyprus· 28 chars 🇨🇿Czech Republic· 24 chars 🇩🇰Denmark· 18 chars 🇪🇪Estonia· 20 chars 🇫🇮Finland· 18 chars 🇫🇷France· 27 chars 🇩🇪Germany· 22 chars 🇬🇮Gibraltar· 23 chars 🇬🇷Greece· 27 chars 🇭🇺Hungary· 28 chars 🇮🇸Iceland· 26 chars 🇮🇪Ireland· 22 chars 🇮🇹Italy· 27 chars 🇱🇻Latvia· 21 chars 🇱🇮Liechtenstein· 21 chars 🇱🇹Lithuania· 20 chars 🇱🇺Luxembourg· 20 chars 🇲🇹Malta· 31 chars 🇲🇨Monaco· 27 chars 🇲🇪Montenegro· 22 chars 🇳🇱Netherlands· 18 chars 🇲🇰North Macedonia· 19 chars 🇳🇴Norway· 15 chars 🇵🇱Poland· 28 chars 🇵🇹Portugal· 25 chars 🇷🇴Romania· 24 chars 🇸🇲San Marino· 27 chars 🇷🇸Serbia· 22 chars 🇸🇰Slovakia· 24 chars 🇸🇮Slovenia· 19 chars 🇪🇸Spain· 24 chars 🇸🇪Sweden· 24 chars 🇨🇭Switzerland· 21 chars 🇹🇷Turkey· 26 chars 🇬🇧United Kingdom· 22 chars

What's included

  • IBAN — formatted in groups of four, ready to paste
  • Check digits — the real mod-97 checksum for the generated BBAN
  • BBAN — the country-specific bank/branch/account portion
  • Length — the total character count for that country

Use cases

  • Payment form testing — verify IBAN length and checksum validation across countries
  • Onboarding and KYC flows — populate bank details fields without using a real account
  • SEPA integration testing — exercise country-specific formatting logic before going live
  • UI and demo screenshots — show a realistic-looking account field without exposing real data

These are not real accounts

Passing the mod-97 checksum only proves an IBAN is structurally valid — it says nothing about whether the account actually exists. These IBANs aren't linked to any bank, and no real transfer will succeed against them. Use them only for testing, demos, and development.

Fill forms without copy-pasting

The FormFiller extension fills bank and payment forms directly in the browser, so you don't have to switch tabs to copy a generated IBAN every time you test a flow. For more on how IBAN validation works end to end, see How to Generate Test IBANs for European Payment Forms.

Frequently asked questions

Is a generated IBAN linked to a real bank account?

No. Every IBAN this tool produces is a randomly generated BBAN with a genuinely computed check digit — it is not tied to any bank, branch, or account, and no real transfer will succeed against it.

How is the IBAN check digit actually calculated?

It uses the ISO 7064 mod-97-10 algorithm: the country code and check digits are moved to the end of the BBAN, letters are converted to numbers (A=10 through Z=35), and the resulting number is reduced modulo 97. A valid IBAN always reduces to 1.

Which countries does this tool support?

41 European countries, each with the correct total length and BBAN structure for that country, from Germany's 22 characters to Malta's 31.

Can I use a generated IBAN to receive a real payment?

No. Passing the mod-97 checksum only proves the IBAN is structurally valid — it says nothing about whether the account exists. Use generated IBANs only for form testing, demos, and development, never for an actual transfer.