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IBAN-Test API FAQ

The IBAN-Test API is built for developers, shops, SaaS products and internal systems that need to validate IBANs, BICs or bank accounts automatically.

This FAQ answers questions about Bearer tokens, API requests, JSON responses, quotas and typical integrations. The full technical reference with endpoints and parameters is available in the API documentation.

How do I call the IBAN-Test API?

API examples with Bearer token authentication, IBAN validation, BIC validation and IBAN generation.

What does an API request look like?

Use your API token as a Bearer token in the HTTP header.

Authorization: Bearer YOUR_API_TOKEN

Base URL:

https://www.iban-test.eu/api

Validate an IBAN:

GET /v2/iban/validate/{iban}
curl -H "Authorization: Bearer YOUR_API_TOKEN" \
  "https://www.iban-test.eu/api/v2/iban/validate/DE89%203704%200044%200532%200130%2000"

Validate a BIC:

GET /v2/bic/validate/{bic}
curl -H "Authorization: Bearer YOUR_API_TOKEN" \
  "https://www.iban-test.eu/api/v2/bic/validate/COBADEFFXXX"

Validate a bank account:

GET /v2/bank-account/validate?bankcode=37040044&accountnumber=532013000

Generate an IBAN:

GET /v2/iban/generate?countrycode=DE&bankcode=37040044&accountnumber=532013000

The complete technical reference with parameters, response fields and test functionality is available in the API documentation.

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What response format does the API return?

JSON responses from the API with error, code, message and endpoint-specific details.

What does the API return?

All API endpoints return JSON. The result contains error, code, message and endpoint-specific details.

{
  "error": false,
  "code": 2100,
  "message": "IBAN is valid",
  "details": {}
}

Validation details can include bank information, BIC information, account validation results or generated IBAN data, depending on the endpoint and country.

For the current status codes, parameters and response schemas, see the API documentation.

SEPA Direct Debit: Core and B2B

IBAN validation also returns the bank’s participation in SEPA Direct Debit schemes, checked against the EPC participant registers.

  • details.sepa.sddCore – SEPA Direct Debit Core
  • details.sepa.sddB2b – SEPA Direct Debit B2B

Both schemes are checked independently. confirmed means there is an unambiguous, current register match. unknown means participation could not be confirmed; it does not mean the bank does not support the scheme.

This checks bank participation. It does not confirm account existence or direct debit eligibility, a mandate, or the success of a collection.

SEPA fields and response examples

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Why is my API access locked?

Common reasons for locked API access: quota, invalid API token or suspicious usage.

Why is my API access locked or disabled?

This can happen when your available API quota has been reached, when an API token is invalid, or when suspicious or abusive usage is detected.

If you only reached your quota, you can wait for the next reset or upgrade to a package with a higher request volume.

If your access appears to be blocked for another reason, please contact support through the contact form.

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Can I use IBAN-Test in forms or shops?

The API is designed for IBAN validation in checkout, registration, SEPA mandates and back-office processes.

Yes. The IBAN-Test API is designed for automated validation in forms, shops, SaaS products, SEPA mandates and back-office processes.

Typical use cases include validating bank details during checkout, registration, before a direct debit or before importing larger payment data sets.

This helps catch typos and invalid bank details early instead of discovering them through failed payments or returned direct debits.

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Bank data validation

Bank directory checks for 40 countries

IBAN-Test goes beyond checksum-only validation. For these countries, we check the bank identifier against available bank directories and return bank details such as institution, city and BIC when available. See how IBAN validation works.

ALAlbania ADAndorra ATAustria BEBelgium BGBulgaria HRCroatia CYCyprus CZCzech Republic DKDenmark EEEstonia FIFinland FRFrance DEGermany GIGibraltar GRGreece HUHungary ISIceland IEIreland ITItaly LVLatvia LILiechtenstein LTLithuania LULuxembourg MTMalta MDMoldova MEMontenegro NLNetherlands MKNorth Macedonia NONorway PLPoland PTPortugal RORomania SMSan Marino RSSerbia SKSlovakia SISlovenia ESSpain SESweden CHSwitzerland VAVatican City

IBAN syntax check

Format checks for 115 IBAN formats

Check IBANs for a valid structure, correct length and checksum. This helps you catch typos and transposed digits before a payment fails. Additional bank validation against real bank directories is available for the countries listed above.

MCP Server for AI Agents – Connect AI clients to IBAN validation tools – https://www.iban-test.eu/mcp – API documentation