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Found the correct IBAN, what to do next?
Now that you have the correct IBAN, here’s how to use it properly:
- 01Use this IBAN to receive international payments
- 02Share it with the sender along with the SWIFT/BIC code
- 03Ensure the beneficiary name matches bank records exactly
- 04Confirm the currency matches your account type
Common transfer mistakes to avoid
Exact beneficiary name:
Must match bank records exactly to avoid rejection or delays.
Correct SWIFT/BIC code:
Ensures the payment routes to the right bank.
Currency match:
Sending the wrong currency can trigger extra fees or failed transfers.
Active account details:
Outdated or inactive accounts can result in returned payments.
Search IBAN for top banks across the world
More ways to find IBAN
Validate your IBAN
Not sure if an IBAN is correct? Quickly validate any IBAN code using Xflow's IBAN validator.
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To find a IBAN Code, kindly select the country, bank & city where the bank is located.
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Do you also require also require SWIFT?
Many transfers require both IBAN + SWIFT, check out our swift calculator
Frequently asked questions
An IBAN (International Bank Account Number) is a standardized format used to identify bank accounts across international borders. It includes the country code, check digits, and the recipient’s bank account number. IBANs help ensure cross-border payments are processed accurately and without delays.
The IBAN calculator generates or validates an IBAN based on the country and bank details you enter. It automatically formats the IBAN correctly and verifies the check digits to reduce payment errors.
IBANs are required when sending payments to countries that use the IBAN system, including most of Europe, the UK, and several other regions. If you send funds without a valid IBAN to these countries, the payment may be rejected or delayed.
Yes, as long as you’re using a secure and trusted website. A reliable IBAN calculator only formats or validates the number based on the information you provide. It does not store or access your bank account.
If you enter an incorrect IBAN, your international payment may fail, get delayed, or be returned with additional bank charges. Always double-check the IBAN before initiating a transfer to avoid processing issues.
Disclaimer
This tool is provided for informational purposes only. Xflow does not guarantee the accuracy or completeness of results. Always verify account details directly with your bank or beneficiary before initiating any transfer. Xflow is not liable for any losses arising from incorrect IBAN usage.
Last Reviewed: 26/05/2026
