Talk:International Bank Account Number

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00, 01, 99 are invalid[edit]

Based on this http://www.europeanpaymentscouncil.eu/index.cfm/knowledge-bank/other-sepa-information/iban-standard/ecbs-iban-standard-ebs204v32pdf/

paragraph 6.2 tells very clear how checkdigits are calculated and with that logic its not possible to get 00, 01, 99
and formal validator based on this http://www.tbg5-finance.org/?ibandocs.shtml
however the validation rule 6.1 could give 98-mod(IBAN;97) a 1 for IBAN's with
97 check digits and would return same with 00
98 check digits and would return same with 01
02 check digits and would return same with 99
However these are interesting example numbers
IT01T36000032000A9H00000037
seems to be existing and published on a website
http://www.beppegrillo.it/listeciviche/liste/desenzanodelgarda/2014/09/passeggiata-popolare-5-ottobre.html These all pass validation rule to be 1 but normal calculation of checkdigits would give 97 and 98 PL00168013108811808750900001
HU00109180010000003964590013
IT01T36000032000A9H00000037
IT01P0504801685000000088001
IE01AIBK93729003711092
IE01AIBK93716904602041
IE01AIBK93607354095051
IE01AIBK93501832180033
IE01AIBK93417804195091
IE01AIBK93205121394079
IE01AIBK93129216794029
IE01AIBK93106320230082
GB01NWBK60721406833411
GB01MIDL40051568062439
GB01ABBY09012838484789
BE01377007911193
Junkew (talk) 14:04, 31 October 2014 (UTC)

128 bit is not enough[edit]

DE00 THET RUTH ISOU TTHE RE has the same length than any valid German IBAN. However it has 42 digits, so it no more fits into 128 bit. And Saudi Arabia has a BBAN of "2n,18c". This makes up a possible total length of 4+2+2+36 = 44 digits. So much to IPv6, it is even incapable to map all possible IBANs. 12:55, 15 August 2013 (UTC) 194.25.90.67 (talk) 12:41, 15 August 2013 (UTC)

That is not a valid German IBAN account, since THET RUTH is required to be numeric. This means the total digits are 4+2+8+20 = 34 digits. A similar situation would be expected for Saudi Arabia. — Preceding unsigned comment added by 8.23.159.66 (talk) 17:25, 17 October 2013 (UTC)
It is not necessary to use 128-bit arithmetic to validate an IBAN. The algorithm at International Bank Account Number#Modulo operation on IBAN is designed for 32 bit arithmetic. By taking 4 digits at a time instead of 9, it can easily be evaluated using16 bit arithmetic. Martinvl (talk) 20:26, 17 October 2013 (UTC)
What do you mean with "a similar situation would be expected for Saudi Arabia"? The argument by OP was that 128bit arithmetic does not suffice for a general IBAN. Proof: with 34 allowed alphanumeric digits in an IBAN, two of which can only be numeric (check digits), the resulting decimal number for checking could have up to (34-2)*2 + 2+1 = 66 (numeric) digits. Clearly, this doesn't fit into 128 bits, not even close. Indeed, the SWIFT IBAN registry v47, linked from this article, contains this example Malta IBAN: MT84MALT011000012345MTLCAST001S, which results in a 31+(2+4+7+1)=45 digit decimal integer. I have thus corrected the minimum integer arithmetic bits to 220 (=logb(10^66)). Marc Mutz (talk) 09:58, 5 February 2014 (UTC)

pronunciation[edit]

http://www.oxforddictionaries.com/us/definition/english/iban#IBAN --Espoo (talk) 09:36, 22 March 2014 (UTC)

Generic Mod-97 algorithm (current only works for accounts with size multiple of 7, like GB accounts)[edit]

The section Modulo operation on IBAN shows an algorithm to calculate the Modulo 97 of a number (for systems that are not able to manage so large numbers as integers) that fails for account numbers with a size different from 28 (or any other not multiple of 7). As example, Spanish IBAN accounts have a fixed size of 26 and calculation is wrong on that cases.

The algorithm used at UN_CEFACT_TBG5 and available as Javascript code at http://www.tbg5-finance.org/?ibandocs.shtml shows a working generic algorithm (named as String.prototype.ISO7064Mod97_10). This code, instead of get 9 digits and then the next 7 for each modulo calculation as in the article, it splits the number in "length / 7 rounded up" parts, and calculate each part with previous modulo appended at the beginning (this last is the same as in the article).

I unknown if there is an even more generic way (May be even bigger numbers fail with this approach?), but this almost works with all the currently registered countries for IBAN, can be tested in the official validator http://www.tbg5-finance.org/ibancheck.shtml. — Preceding unsigned comment added by IagoSRL (talkcontribs) 08:58, 6 June 2014 (UTC)

I'm sorry but I'm not seeing any obvious reason the algorithm currently shown at Modulo operation on IBAN would fail. Yes, the example is a 28-digit one so step 7's mention of the remaining 5 digits is specific to the example, but is that a problem? Could you expain more or give an example of a 26-digit sequence for which the current algorithm fails? NebY (talk) 10:35, 6 June 2014 (UTC)

Kosovo[edit]

Can someone please update Kosovo? I would do it myself but I'm not familiar with IBAN codes or how to format it on the article. Country code XK: page 44. Regards IJA (talk) 17:19, 25 September 2014 (UTC)

Yes check.svg Done It's much easier than you might think - this[1] was all it took! NebY (talk) 22:26, 27 September 2014 (UTC)
Cheers mate! IJA (talk) 10:58, 29 September 2014 (UTC)

Payment references[edit]

Many companies and transactions require a “purpose of payment”/“payment reference” similar to the “For”/“memo” line on cheques. Is this part of the IBAN standard or SWIFT? I don’t see anything about it mentioned it either article. —Wiki Wikardo 16:15, 4 April 2015 (UTC)

The IBAN target may be allowed by the straight-through processing standards, for example SWIFT ISO 15022. Guidod (talk) 17:35, 4 April 2015 (UTC)