Payment code reference desk
BankCodeKit
Understand the rule, find the next check, and see what changed.
Recent reference updates
20 Sep: VoP rulebook version 1.1
The scheme effective date is separate from a bank's service coverage.
Sep 2026: Brazil registry update
Swift's Release 103 history names Brazil. See the source and our coverage limits.
What are you trying to resolve?
The name and IBAN do not match
Understand the bank's payee-name response and confirm the recipient.
The IBAN checksum fails
Find the failing rule without guessing replacement characters.
An invoice has new bank details
Separate formatting from independent confirmation of a changed instruction.
The SEPA route is rejected
Distinguish country scope, provider support and transfer status.
Choose a payment-code utility
BIC/SWIFT Format Checker
Read the 8- or 11-character structure, including the optional branch identifier.
SEPA Country Checker
Look up country scope separately from bank participation and SEPA Instant.
Bulk IBAN Format Checker
Review one IBAN per line with explicit results and a local CSV export.
Invoice Payment Details Formatter
Prepare a copyable payment-details block without storing an invoice.
Test IBAN Examples for Software QA
Choose fixed fixtures with visible TEST labels and source notes.
A checksum is not the whole check
Matching checksum. Different conclusion.
Published Germany example
DE89 3704 0044 0532 0130 00 The 22-character value has a numeric bank identifier and account segment. Its country structure and international checksum match.
Deliberately malformed test case
DE23 TEST 0000 0000 0000 00 The checksum also matches, but letters at positions 5-8 violate Germany's numeric bank identifier. The overall result must report an issue.
These are public or constructed examples, never payment instructions. A format pass does not identify an account owner or prove an account exists.
Run both cases and compare the expected resultsRead the format before using the result
BIC8 vs BIC11
What the optional final three characters mean, and what adding XXX cannot prove.
SEPA countries and territories
The reference list, its source version, and the difference between country scope and an individual bank.
What an IBAN check cannot prove
Why country structure and check digits are not account, ownership or payment verification.
See what a format pass actually means
Synthetic GB test IBAN: GB43 TEST 1111 1111 1111 11
IBAN format, country length, and MOD97 checksum pass. This fixed synthetic value is for tests and demos only.
- Country code: GB
- Country name: United Kingdom
- Expected length: 22 characters
- Checksum: pass
Passed format checks do not confirm a real account, account owner, bank reachability, fraud risk, sanctions status, or payment success. Verify with your bank or recipient before sending money.
A careful review, not payment approval
- Check the value as supplied, without guessing a correction.
- Read the failing rule and compare the indicated positions with the original document.
- Confirm the payee, amount, reference and payment route through a trusted channel before sending money.
All checks run in this browser. No upload, no login, no persistent storage. IBAN country structure rules cover the 15 published country references; other registry countries may receive an incomplete result. Domestic check-digit algorithms are not evaluated.