IBAN-Test MCP server FAQ

The IBAN-Test MCP server connects AI clients and agents with validated tools for IBAN validation, IBAN generation, BIC validation and bank account validation.

This FAQ explains what MCP does at IBAN-Test, which credentials are needed and when API quota is used. For classic integrations without an AI client, use the IBAN-Test API.


Is the IBAN-Test MCP server a separate AI?

MCP provides validated IBAN, BIC and bank data tools for AI clients.

No. IBAN-Test does not provide a separate AI. It provides validated tools for AI clients and agents. The AI client calls these tools through MCP in a structured way.

IBAN, BIC and bank account results come from the IBAN-Test API, not from an AI guess. This matters when payment data is processed in emails, forms, workflows or back-office processes.

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Does MCP use my API quota?

IBAN, BIC and bank account checks through MCP use API requests. Checking current usage is free.

Yes. When an AI client validates an IBAN, checks a BIC, validates a bank account or generates an IBAN through MCP, this uses one API request.

Checking your current usage with get_usage_info does not use an API request. It only shows how much quota has already been used.

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Which credentials do I need for MCP?

MCP access uses your API token as a Bearer token.

Use the same API token that you use for the REST API. Send the token as a Bearer token to the MCP endpoint.

https://www.iban-test.eu/mcp
Authorization: Bearer YOUR_API_TOKEN

You can find your API token in the dashboard after login.

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Which MCP tools does IBAN-Test provide?

Validate IBANs, generate IBANs, validate bank accounts, validate BICs and check API usage.

The IBAN-Test MCP server provides structured tools for AI clients and agents:

  • validate_iban – Validates one IBAN, including SEPA bank participation.
  • validate_iban_batch – Validates multiple IBANs; each IBAN counts as one API request.
  • generate_test_iban – Generates an IBAN from country, bank code and account number.
  • ibantest_bank_account_validate – Checks a German bank code and account number.
  • ibantest_bic_validate – Validates a BIC.
  • get_usage_info – Shows API usage without consuming a validation request.

This lets an AI workflow validate payment data without implementing bank data logic itself.

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.

sddCore – SEPA Direct Debit Core; 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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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/mcpAPI documentation