Are these real bank accounts?

No. The bank and account portions are randomly generated, so the IBAN does not belong to any real account and cannot receive money. Only the structure and the MOD-97 check digits are correct, which is what format validators check.

How are IBAN check digits calculated?

Move the four leading characters (country code plus two check digits) to the end, convert every letter to a number (A=10 … Z=35), interpret the whole string as one big integer, take it modulo 97, and the check digits are 98 minus that remainder. A correct IBAN always gives a final remainder of 1.

Why do IBAN lengths differ by country?

Each country registers its own IBAN length and BBAN layout with SWIFT. Germany is 22 characters, France 27, Spain 24, the UK 22, and so on. This tool stores the registered length and structure per country.

Will these pass a SEPA validator?

They will pass IBAN format and MOD-97 check-digit validation, which is what most client-side and API validators run. They will not pass a real bank-account existence check, because no such account exists.

Does this contact any server?

No. The IBAN and its check digits are computed entirely in your browser, so nothing is sent or stored anywhere.

Fake IBAN Generator (Test)

A fake IBAN generator builds International Bank Account Numbers that are structurally correct and carry valid MOD-97 check digits, so they pass format validation in payment SDKs and sandbox environments. The bank and account digits are random, meaning the IBAN belongs to no real account and can never move money.

How it works

The generator follows the ISO 13616 IBAN standard for each country:

The country code (two letters) and the registered total length are fixed per country.
A BBAN (the country-specific bank and account part) is filled with random digits to the correct length.
The check digits are computed: take BBAN + countryCode + "00", replace each letter with two digits (A=10 … Z=35), read the result as one large integer, compute it modulo 97, and set the check digits to 98 - (mod result).
The final IBAN is countryCode + checkDigits + BBAN. Validating it (moving the first four characters to the end and taking mod 97) always yields 1.

Example

For a German IBAN (DE, 22 characters), the tool generates an 18-digit BBAN, computes the two check digits with the MOD-97 rule, and prefixes DE plus those digits. Paste it into any IBAN validator and it will report a valid checksum.

Notes

These are test fixtures only. Use them to verify formatting, storage, and validation paths — never to initiate a real transfer, which would fail at the bank.