SEPA & IBAN calculator 2026: check your payment details
Validate an IBAN (ISO 13616, MOD97-10 check digits), a BIC/SWIFT code (ISO 9362) and the remittance information before you send the invoice. SEPA covers 41 countries and 29+ billion euro transfers a year — but a wrong IBAN means the money never arrives.
Spaces and dashes are ignored. The example is a valid German IBAN.
Up to 140 characters in an SEPA transfer. Structured format (/R1/…/INV/…) is also accepted.
What is an IBAN and how do I check it?
An IBAN (International Bank Account Number, ISO 13616) is the standard account number format used in 80+ countries. It starts with a two-letter ISO 3166-1 country code, followed by two check digits and the domestic account number (BBAN). The check digits are computed with the MOD97-10 algorithm from ISO 7064 — that is exactly what this calculator verifies, plus the fixed length each country uses.
Formatting is not optional but is not part of the number itself: spaces and dashes are ignored by banks, and the canonical form groups the IBAN in blocks of four.
Do I need a BIC for a SEPA transfer?
No. Since 2016 SEPA follows the IBAN-only principle: for a euro transfer inside the 41 SEPA countries the BIC is not required. It is still needed for a SWIFT transfer outside SEPA — and for a UK recipient, who sits outside SEPA since Brexit and is paid with a Sort Code (6 digits) plus an Account Number (8 digits), or with a GB IBAN (22 characters).
How much does receiving a SEPA payment cost?
Regulation (EU) 260/2012 caps the fee for receiving a SEPA credit transfer at the fee for a comparable domestic payment — your bank cannot charge a cross-border surcharge. Since 5 October 2025 the Instant Payments Regulation (EU) 2024/886 also requires fees for instant transfers (SCT Inst) to be equalised with standard SCT. Since the same date, banks must verify the payee (Verification of Payee) before you authorise a payment in interactive channels, and the old EUR 13,300 cap on instant transfers has been lifted.
Does a valid IBAN mean the account exists?
No. This calculator checks the format and the check digits — it cannot know whether the account is open, belongs to the named person, or accepts incoming payments. Only the receiving bank can confirm that. Always send a small test amount first for a new client.
Disclaimer
Indicative estimate based on the rules in force on the verification date. This is not tax advice: always confirm with the tax authority, social security office or your accountant, because your own case may involve allowances, deductions or deadlines.
- Data verified on
- 21.10.2026
How to BECOME
Register with the social security authority for your country and apply for the reduced starter rate if you qualify. The contribution base can be changed 6 times a year.
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Six steps with the real deadlines and the official links. Order matters: the registration date is what opens the window for the reduced rate and the VAT threshold.
Two questions decide your structure before you invoice anyone. First, IR35: if your client ends the contract and pays a substitute worker, the client checks your status. If your own limited company is between you and the client, that client is outside IR35 — but clients do check. Second, VAT: you must register if your turnover exceeds £90,000 in any 12 months (from 1 April 2025) — the registration threshold is not a tax allowance.
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