Fake IBAN Generator
Generate structurally valid test IBANs with correct ISO 7064 Mod 97-10 check digits for banking integration testing
About Fake IBAN Generator
This tool generates structurally valid International Bank Account Numbers (IBANs) with correct ISO 7064 Mod 97-10 check digits. The generated IBANs use synthetic bank codes and account numbers that do not correspond to real bank accounts, making them safe for testing IBAN validation logic, banking integrations, and payment form development.
How IBAN Validation Works
An IBAN consists of a two-letter country code, two check digits, and a country-specific Basic Bank Account Number (BBAN). The check digits are calculated using the ISO 7064 Mod 97-10 algorithm:
- Move the first four characters (country code + check digits) to the end of the string.
- Convert all letters to numbers: A=10, B=11, ..., Z=35.
- Compute the remainder when dividing the resulting number by 97.
- A valid IBAN produces a remainder of exactly 1.
When generating an IBAN, the process is reversed: the check digits are computed as
98 - (mod 97 of BBAN + country + "00"), then zero-padded to two digits.
Supported Country Formats
Each country defines its own BBAN structure with specific lengths and character types:
- Germany (DE) — 22 chars: 8-digit bank code + 10-digit account
- France (FR) — 27 chars: 5-digit bank + 5-digit branch + 11-char account + 2-digit check
- Spain (ES) — 24 chars: 4-digit bank + 4-digit branch + 2-digit control + 10-digit account
- United Kingdom (GB) — 22 chars: 4-letter bank code + 6-digit sort code + 8-digit account
- Italy (IT) — 27 chars: 1-letter check + 5-digit bank + 5-digit branch + 12-char account
- Netherlands (NL) — 18 chars: 4-letter bank code + 10-digit account
- Portugal (PT) — 25 chars: 4-digit bank + 4-digit branch + 11-digit account + 2-digit check
- Belgium (BE) — 16 chars: 3-digit bank + 7-digit account + 2-digit check
- Austria (AT) — 20 chars: 5-digit bank code + 11-digit account
- Switzerland (CH) — 21 chars: 5-digit bank + 12-char account
Why Use Test IBANs?
- Validate IBAN format and checksum logic in payment forms
- Test country-specific IBAN length enforcement
- Verify BBAN structure parsing for different countries
- Generate bulk test data for automated banking integration tests
- Avoid compliance risks from using real account numbers in test environments
Examples
Sample generated IBANs for different countries:
DE89370400440532013000
FR7630006000011234567890189
ES9121000418450200051332
GB29NWBK60161331926819
NL91ABNA0417164300Each generated IBAN passes the Mod 97 checksum validation and matches the expected length for its country.
Frequently Asked Questions
Are these IBANs linked to real bank accounts?
No. This tool generates synthetic account numbers with valid checksums but they do not correspond to any real bank account. The bank codes and account numbers are randomly generated for testing purposes only.
What is ISO 7064 Mod 97-10?
ISO 7064 Mod 97-10 is the checksum algorithm used to validate IBANs. It rearranges the IBAN (moving the country code and check digits to the end), converts all letters to numbers (A=10, B=11, ..., Z=35), and verifies that the result modulo 97 equals 1. This tool calculates correct check digits using this algorithm.
Can I use these IBANs for testing SEPA payment integrations?
These IBANs are suitable for testing client-side IBAN validation logic, format checking, and country-specific length validation. For end-to-end payment gateway testing, use your payment provider's official test IBANs as they are recognized by the banking sandbox environment.
Why do different countries have different IBAN lengths?
Each country defines its own BBAN (Basic Bank Account Number) format, which includes bank codes, branch codes, and account numbers of varying lengths. For example, German IBANs are 22 characters (8-digit bank code + 10-digit account), while French IBANs are 27 characters (5-digit bank + 5-digit branch + 11-character account + 2-digit check).