IBAN & BIC/SWIFT Validator API
Instant IBAN validation, SWIFT BIC checking & bank code lookup
The IBAN & BIC/SWIFT Validator API validates International Bank Account Numbers (IBANs) and SWIFT Business Identifier Codes (BICs) with sub-15ms edge latency on Cloudflare Workers. Every request runs the ISO 7064 MOD-97 checksum, checks national length and BBAN structure rules across an 87-country registry, and extracts the bank code, branch or sort code, and SEPA membership — all in a single call.
Built for payment platforms, KYC onboarding flows, invoicing software, e-commerce checkouts, and ERP finance automation: reject mistyped account numbers before they cause failed transfers, returned SEPA payments, or manual reconciliation work. The API is pure compute with zero external subrequests, so responses are deterministic, cacheable, and cost-predictable at any volume.
Invalid-but-well-formed IBANs return HTTP 200 with valid=false and a machine-readable errors array, keeping your marketplace and monitoring analytics clean. Structurally malformed requests return standard HTTP 400 responses with consistent error codes.
Features
- MOD-97 (ISO 7064) checksum validation for every IBAN
- 87-country IBAN registry with national length and BBAN structure rules
- Bank code, branch code, and UK sort code extraction
- SEPA scheme membership metadata
- BIC/SWIFT validation per ISO 9362: connected, passive, and test-BIC classification
- Electronic and print IBAN formatting variants
- Sub-15ms responses from 300+ Cloudflare edge locations
- Standard JSON envelope with latency metadata on every response
Endpoints
| Method | Path | Description | Example |
|---|---|---|---|
GET | /api/v1/iban/{iban} | Validate an IBAN and extract bank identifiers | /api/v1/iban/DE89370400440532013000 |
GET | /api/v1/bic/{bic} | Validate a SWIFT BIC and classify the participant | /api/v1/bic/ABNANL2A |
GET | /health | Service health check | /health |
FAQ
What is IBAN validation and why does the checksum matter?
An IBAN encodes a two-letter country code, two check digits, and a national bank account number. The check digits are computed with the ISO 7064 MOD-97 scheme, so a single mistyped character makes the IBAN mathematically invalid. This API recomputes the checksum on every request, catching typos before payments fail or bounce.
Which countries does the IBAN validator support?
The registry covers all 87 IBAN-participating countries, from Germany, France, the Netherlands, and the United Kingdom to Brazil, Saudi Arabia, and the UAE. Each country has its own length and BBAN structure rules, which are enforced alongside the checksum.
Can the API extract the bank code and sort code from an IBAN?
Yes. For countries with a defined national format — for example German Bankleitzahl, UK sort codes, French code banque, or Italian ABI/CAB — the response includes the extracted bank identifier and branch code, plus the full BBAN and SEPA membership.
How does BIC/SWIFT validation work?
The API validates 8- and 11-character BICs against ISO 9362: bank code, ISO 3166 country code, location code rules, and optional branch code. It also classifies each BIC as a connected participant, passive participant, or test-and-training code, and distinguishes primary offices from specific branches.
Is there a free plan?
Free developer keys are available at stanzaapi.com for development and testing, plus paid plans for production quotas. All plans run on the same low-latency edge infrastructure.