Test IBAN Generator (Mod-97 Valid)

Generate IBANs (International Bank Account Numbers) that pass Mod-97 checksum validation but are test only — they won't correspond to real bank accounts. Useful for development against payment systems that validate IBAN format, for QA test fixtures, and for demonstrating IBAN handling without using real account numbers.

How to use the Test IBAN Generator (Mod-97 Valid)

Pick a country, set count, click Generate. Each IBAN matches that country's length and format, with a valid Mod-97 checksum. Display can be grouped in 4-character blocks for readability (the standard IBAN display format) or unbroken. Pair with our IBAN Validator to confirm checksums.

Generating test IBANs that pass validation

An IBAN packs a country code, two check digits, and a country-specific account number (the BBAN) into one string of up to 34 characters. The two check digits come from a Mod-97 calculation over the rest: move the four leading characters to the end, turn letters into numbers, and the whole thing modulo 97 must equal 1. This tool builds strings of the correct length for each country, then fills in check digits that satisfy that rule.

The result validates structurally but is not a real account — it maps to no bank and no person. That is exactly what you want for filling test fixtures, exercising a payment form's validation, or demonstrating IBAN handling in a demo, all without exposing genuine banking details. For checking IBANs the other way, the IBAN validator runs the same Mod-97 test.

Common use cases

  • Form validation testing — feed structurally valid IBANs to a checkout or signup form without real data.
  • Test fixtures — seed a database or test suite with plausible IBANs across several countries.
  • Demos and screenshots — show IBAN handling without revealing a real account number.
  • Cross-country format checks — confirm your code handles the different lengths Germany, France, and the UK use.
  • Sandbox payment flows — populate test transfers against a provider's sandbox that only checks format.

Frequently asked questions

Will these IBANs work for a real bank transfer?
No. They pass the Mod-97 checksum and length rules but correspond to no actual account. Use them only in testing and sandboxes; sending money to one will simply fail at the bank.

What is the Mod-97 check exactly?
You move the first four characters to the end, replace each letter with two digits (A=10 to Z=35), and read the result as one large integer. A valid IBAN gives remainder 1 when divided by 97. The generator picks check digits that force that outcome.

Why do IBAN lengths differ by country?
The account-number portion (the BBAN) is defined nationally, so it varies in length and structure. Germany uses 22 characters, the UK 22, Norway just 15. The country code in the IBAN tells software which length and layout to expect.

Are the generated IBANs unique?
They are random within each country's format, so collisions are unlikely but not impossible. If you need guaranteed-unique test values, deduplicate the generated list yourself.
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