ISO 13616 Payment Infrastructure

IBAN Calculator & BIC Validator

Calculate, validate, and decompose International Bank Account Numbers across 105 jurisdictions. Verify check digits, resolve SWIFT/BIC codes, and verify bank routing codes in real time.

Enterprise Payment & IBAN Integration:Noctula does not provide a free public API. For production payment workflows, high-throughput batch validation, webhook pipelines, and dedicated private tunnels - request an enterprise demo.

Validate & Parse Any International Bank Account Number

Performs full ISO 13616 structure inspection, MOD-97 check digit verification, country code resolution, and bank routing registry lookups.

Enterprise Payment Reliability

Why Institutions Rely on Noctula IBAN Verification

Prevent transaction fraud, misrouted wires, and failed instant SEPA payments before funds leave your institution.

105 Country Layouts & Formats

Supports official ISO 13616 national BBAN specifications across Europe, Turkey, the Middle East, Central Asia, and the Americas.

MOD-97-10 Checksum Derivation

Calculates mathematically valid ISO 7064 MOD-97 check digits to eliminate cross-border payment rejections, returned wire fees, and routing failures.

Official Central Bank Registries

Auto-resolves bank names and SWIFT/BIC codes from official national clearing directories including CBRT, Bundesbank, Bank of England, and Banque de France.

Stateless In-Memory Performance

Engineered for financial systems with sub-5ms local evaluation, zero third-party data broker calls, and strict zero data logging for complete GDPR compliance.

Payment Routing & Financial Disclaimer

The IBAN Calculator & BIC Validator is provided for mathematical syntax validation and central bank routing reference only. Formats and check digits are verified in accordance with ISO 13616 and ISO 7064 MOD-97-10 standards. This utility does not verify the live operational existence of an account, account holder identity, current account status, or available balance at the destination credit institution. Always confirm payment instructions directly with the receiving counterparty or bank prior to dispatching irreversible payment orders. Noctula Risk Intelligence accepts no liability for delayed, rejected, or misrouted transactions.