IBAN validator
Validates IBAN check digits with modulo 97-10 and detects QR-IBANs. Complete for Switzerland and Liechtenstein, in the browser, no upload.
Result
Success: Check digits are correct, structure verified.
This is a conventional IBAN: a QR reference is not allowed here.
Check digits say nothing about whether the account exists. Only the bank knows that.
| Field | Value |
|---|---|
| IBAN | CH93 0076 2011 6238 5295 7 |
| Country | CH |
| Institution identification (IID) | 00762 |
| Account number | 011623852957 |
| Type | Conventional IBAN |
As of: · Source: SIX Group — Implementation Guidelines QR-Rechnung 2.3
Disclaimer
Results are provided without warranty and do not replace tax or legal advice. Responsibility for their use remains with you.
Explanation
The IBAN validator recalculates the check digits of an IBAN and breaks Swiss and Liechtenstein IBANs down into their components. The check runs entirely in your browser; the number you enter does not leave your device.
What the modulo 97-10 method does
Every IBAN carries two check digits in positions 3 and 4. They are calculated with the modulo 97-10 method according to ISO/IEC 7064: the country code and check digits move to the end, letters are converted to numbers, and the remainder of the division by 97 must be 1. The method reliably detects a single wrong position and also the most common typing error of all, two adjacent digits swapped.
What it does not do: it does not tell you which position is wrong. Arithmetically, the only certain statement is that the check digits and the rest of the number do not match — the error may just as well be in the account number. That is why the error message states the check digits that would match the account number you entered, and leaves the conclusion to you. Nor does it catch every alteration: roughly one in 97 random digit sequences passes the check by arithmetic alone.
What sets a QR-IBAN apart
Formally, an IBAN and a QR-IBAN do not differ; both follow the ISO 13616 standard. The difference lies in positions 5 to 9, the institution identification (IID). If it falls in the range 30000 to 31999, it is a QR-IID and therefore a QR-IBAN. These numbers are reserved for the procedure with a QR reference: a QR-IBAN requires a QR reference, a conventional IBAN excludes it. Mixing the two up produces invoices that banks reject. A QR-IBAN can also only be used for incoming payments.
Why the account may still not exist
The check digits are pure arithmetic. They prove that the sequence of digits is consistent in itself — not that the bank exists, the account is open, the name matches the number, or a payment will arrive. Only the account-holding bank knows that. A formally correct IBAN can point to an account that was closed long ago.
For countries outside Switzerland and Liechtenstein we also calculate the check digits, because the method does not depend on the country. We do not check length and structure there, because we have no verified registry for them. The result says so explicitly instead of claiming a certainty that does not exist.
As of: 18 October 2026 · Sources: SIX Group, Swiss Implementation Guidelines for the QR-bill, version 2.3, chapters 2.7 to 2.10; SIX Group, Technical information about the QR-IID and QR-IBAN, version 1.1; SIX Group, IBAN Checker for Switzerland.