IBAN guides
How IBANs are built, what the check digits do and how to share your bank details safely.
What is an IBAN? Structure, examples and where to find itAn IBAN is one string that names a bank account in 89 countries. How it is built, real examples from the UK, Germany, Italy and France, and where yours is.IBAN vs SWIFT/BIC: what each code does, when you need itThe IBAN names an account, the BIC names a bank. How a BIC is built, why EU euro transfers no longer need it, and when banks still ask for it.Is it safe to give out your IBAN? What someone can doYour IBAN lets people pay you. What someone can and cannot do with it, how direct debit refunds work, how fake invoices swap IBANs, and what to do.IBAN check digits: how mod 97 works, step by stepHow the two IBAN check digits are calculated and checked with mod 97, worked through on a real example, plus which typing errors they catch and which they miss.Sort code and account number to IBAN: how it worksA UK IBAN is GB, two check digits, a 4-letter bank code, the sort code and the account number. How to build one, read one, and which part you cannot guess.