IBAN Calculator
Calculate and verify IBAN numbers. Convert account number and bank code to IBAN. Online calculator with current 2026 market rates and clear breakdown.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
What is an IBAN?
IBAN (International Bank Account Number) is a standardized international bank account format. In Germany, it consists of 22 characters: the country code DE, a 2-digit check number, the 8-digit bank code, and the 10-digit account number.
Do I need an IBAN for transfers within Germany?
Yes, since February 2016, the IBAN is mandatory for all SEPA transfers in Germany. The old format with bank code and account number is no longer accepted.
What is the IBAN Calculator?
The IBAN calculator generates the IBAN from a bank code and account number or validates an existing IBAN for formal correctness.
How does the IBAN Calculator work?
Enter the bank code and account number. The calculator adds the country code DE and the computed check digits. When validating an existing IBAN the check digits are verified using the MOD-97 procedure.
Key Data and Facts
German IBAN: 22 characters (DE + 2 check digits + 8 bank code + 10 account number). Check digit calculation per ISO 13616 (MOD 97). BIC no longer required for SEPA domestic payments.
Step-by-Step Guide
How to use den IBAN-Rechner step by step: 1. IBAN generieren: Geben Sie Ihre 8-stellige Bankleitzahl (BLZ) und Ihre Kontonummer ein. Der Rechner fuellt die Kontonummer auf 10 Stellen auf (mit fuehrenden Nullen), setzt den Laendercode DE davor und calculates die 2-stellige Pruefziffer. 2. IBAN pruefen: Geben Sie eine bestehende IBAN ein. Der Rechner validiert die Pruefziffer nach dem MOD-97-Verfahren (ISO 13616). 3. Aufbau der deutschen IBAN verstehen: DE (Laendercode) + 2 Pruefziffern + 8-stellige BLZ + 10-stellige Kontonummer = 22 Stellen. 4. Pruefziffernberechnung: BBAN (BLZ + Kontonummer) + DE00 bilden, Buchstaben in Zahlen umwandeln (D=13, E=14), MOD 97 calculate, Pruefziffer = 98 - Rest. 5. BIC ist fuer SEPA-Inlandszahlungen seit 2016 nicht mehr erforderlich. Beispiel: BLZ 37040044 (Commerzbank Koeln), Kontonummer 532013000. IBAN: DE + Pruefziffer + 37040044 + 0532013000. Berechnung: 3704004405320130001314 + 00. MOD 97: Rest = 11. Pruefziffer: 98 - 11 = 87. IBAN: DE87 3704 0044 0532 0130 00.
Calculation Example
BLZ 37040044 (Commerzbank Koeln), Kontonummer 532013000. IBAN: DE87 3704 0044 0532 0130 00. Pruefziffer 87 calculates nach MOD-97-Verfahren.
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