# Talk:International Bank Account Number

## 128 bit is not enough

`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)
So what? The computation of the remainder mod 97 of an arbitrarily long decimal input string can be computed with an online algorithm ("online" here in its computational meaning, i.e., not that it uses the interwebs, but that it eats input digit by digit without storing it) using just 7 bits of storage (for the "current" remainder)--5.147.200.29 (talk) 18:23, 20 September 2015 (UTC)

## Payment references

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)

## BBAN format explanation

The article doesn't explain the differences in the BBAN format between e.g. "4n,10n,2n" (Kosovo) and "16n" (Austria, ...). If there's a difference it should be explained in the article. 217.89.146.254 (talk) 13:11, 30 November 2016 (UTC)

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## BBAN format for AZ is wrong

Please check BBAN form for AZ, shall be revised to "4a,20c", see https://bank.codes/iban/structure/azerbaijan/ — Preceding unsigned comment added by 2A02:778:119:DD01:3175:13B9:77A1:75C2 (talk) 08:07, 31 July 2017 (UTC)