# IBAN Structure Validation

Validates IBAN structure and mod-97 checksum locally and extracts French bank/branch/account components when present.

## Endpoint

- Method: `POST`
- URL: `https://api.helpmyagent.com/v1/iban/validate`
- Price: `0.002 USD` / call

## Machine discovery

- llms.txt: https://helpmyagent.com/llms.txt
- OpenAPI 3.1: https://api.helpmyagent.com/openapi.json
- capabilities.json: https://helpmyagent.com/capabilities.json
- MCP: https://helpmyagent.com/mcp
- RFC 9727: https://helpmyagent.com/.well-known/api-catalog
- pricing.json: https://helpmyagent.com/pricing.json
- x402: https://helpmyagent.com/.well-known/x402
- x402-service.json: https://helpmyagent.com/.well-known/x402-service.json
- Health status: https://helpmyagent.com/health

## x402 payment methods

- USDC on `eip155:8453`
- RLUSD on `xrpl:0`

## Coverage

EU, GB, CH, NO, IS, LI, MC, AD

## Use when

- Validate an IBAN checksum before using it in a workflow.
- You need local IBAN normalization, structural validation and mod-97 checksum verification before using an account identifier.
- For French IBANs, you also want the available bank, branch, account and RIB-key components.

## Avoid when

- You need to verify that an IBAN belongs to a specific supplier; structural validation cannot establish ownership.
- You need supplier-level public identity/compliance context; use company/fr/supplier-verification.

## Limitations

- A checksum-valid IBAN can still refer to a closed, nonexistent or unrelated bank account.
- Bank/BIC enrichment is returned only when supported by the endpoint’s available reference data.

## Example queries

- Validate an IBAN checksum before using it in a workflow.

## Freshness

```json
{
    "mode": "source_dependent"
}
```

## Sources

- [ISO 13616 checksum validation](https://www.iso.org/standard/81090.html)

## Input schema

```json
{
    "type": "object",
    "properties": {
        "iban": {
            "type": "string",
            "minLength": 15,
            "maxLength": 34,
            "description": "IBAN to normalize and validate structurally, including the ISO 13616 mod-97 checksum. (minimum length 15; maximum length 34)."
        }
    },
    "additionalProperties": false,
    "required": [
        "iban"
    ],
    "description": "Structured input parameters for the iban/validate API."
}
```

## Output schema

```json
{
    "type": "object",
    "properties": {
        "iban": {
            "type": "string",
            "description": "Structured value returned for “iban” as defined by this API contract."
        },
        "country_code": {
            "type": "string",
            "description": "Structured value returned for “country code” as defined by this API contract."
        },
        "structure_valid": {
            "type": "boolean",
            "description": "Structured value returned for “structure valid” as defined by this API contract."
        },
        "checksum_valid": {
            "type": "boolean",
            "description": "Structured value returned for “checksum valid” as defined by this API contract."
        },
        "valid": {
            "type": "boolean",
            "description": "Whether the supplied identifier passed the endpoint’s validation rules."
        },
        "expected_length": {
            "type": [
                "integer",
                "null"
            ],
            "description": "Structured value returned for “expected length” as defined by this API contract."
        },
        "bank_code": {
            "type": [
                "string",
                "null"
            ],
            "description": "Structured value returned for “bank code” as defined by this API contract."
        },
        "branch_code": {
            "type": [
                "string",
                "null"
            ],
            "description": "Structured value returned for “branch code” as defined by this API contract."
        },
        "account_number": {
            "type": [
                "string",
                "null"
            ],
            "description": "Structured value returned for “account number” as defined by this API contract."
        },
        "rib_key": {
            "type": [
                "string",
                "null"
            ],
            "description": "Structured value returned for “rib key” as defined by this API contract."
        },
        "bic": {
            "type": [
                "string",
                "null"
            ],
            "description": "Structured value returned for “bic” as defined by this API contract."
        },
        "bank_name": {
            "type": [
                "string",
                "null"
            ],
            "description": "Structured value returned for “bank name” as defined by this API contract."
        },
        "checked_at": {
            "type": "string",
            "description": "UTC timestamp at which HelpMyAgent performed the check."
        },
        "limitations": {
            "type": "array",
            "items": {
                "type": "string"
            },
            "description": "Known interpretation, source-coverage or freshness limitations for this result."
        }
    },
    "additionalProperties": false,
    "required": [
        "iban",
        "country_code",
        "structure_valid",
        "checksum_valid",
        "valid",
        "expected_length",
        "bank_code",
        "branch_code",
        "account_number",
        "rib_key",
        "bic",
        "bank_name",
        "checked_at"
    ],
    "description": "Structured result returned by the iban/validate API."
}
```

## Demonstration snapshot

This example is a database-stored snapshot and does not execute the live API.
- URL: https://api.helpmyagent.com/demo/iban/validate
- Generated at: 2026-09-07T14:50:13+00:00

## Request example

```json
{
    "iban": "FR1420041010050500013M02606"
}
```

## Stored response example

```json
{
    "iban": "FR1420041010050500013M02606",
    "country_code": "FR",
    "structure_valid": true,
    "checksum_valid": true,
    "valid": true,
    "expected_length": 27,
    "bank_code": "20041",
    "branch_code": "01005",
    "account_number": "0500013M026",
    "rib_key": "06",
    "bic": null,
    "bank_name": null,
    "checked_at": "2026-09-07T16:50:13+02:00",
    "limitations": [
        "La validation confirme la structure et la clé de contrôle ; elle ne prouve pas que le compte existe ou appartient au bénéficiaire.",
        "L’identification publique gratuite de la banque n’est pas garantie pour tous les pays ; bank_name et bic peuvent être nuls."
    ]
}
```

## Billing policy

```json
{
    "charge_on": "valid_result",
    "no_charge_on_empty_result": true,
    "no_charge_on_error": true
}
```