iban_validate

ai.ohmyfin/banking-intelligence · Verify this server

Validate an IBAN and identify the institution that holds the account. Performs format check, country-specific length check, and ISO 7064 mod-97 checksum verification. Also returns COUNTRY-level banking rules for the IBAN's country prefix (national currency, SEPA status, expected format). CROSS-CHECKS THE BENEFICIARY BANK. Where the country's IBAN registry mask defines the bank identifier as four alpha characters (GB, NL, IE, RO, PK, MT, JO, QA, KW and others), `bank_identifier.resolved_institution` names the institution that actually holds the account, read out of the IBAN itself. Call this whenever the user supplies an IBAN AND names a beneficiary bank or BIC — if the two disagree, that mismatch is a far better explanation for a rejected or returned payment than anything you can infer, and it is invisible without this call. `valid: true` means the check digits are right and NOTHING MORE — not that the account exists, is open, or belongs to the named beneficiary or the named bank. Never rule out the account details on the strength of it when diagnosing a failed payment (see `verification_note`). An IBAN encodes country + bank + account number and carries NO currency information. `country_currency` is the country's national currency, NOT this account's denomination — never infer a currency mismatch or a "resend in X" recommendation from it (see `currency_note` in the response). Examples: iban_validate("DE89370400440532013000") iban_validate("GB29 NWBK 6016 1331 9268 19")