Individuals can check their International Bank Account Numbers using the IBAN checker at IBAN.com, according to the company's website. Individuals begin by typing an IBAN in the field that reads Type IBAN, and then clicking on the bar that reads Validate IBAN. The online software IBAN.com validates and calculates international bank account numbers that financial institutions use in bank wire transfers. As of 2015, the United States does not participate in IBAN, according to Bank of America.
IBANs standardize a multinational bank account numbering system, according to Wells Fargo. An IBAN has up to 34 alphanumeric characters, starting with the country's code, then two check digits from the financial institution issuing the number, based on a calculation for the entire IBAN. A bank identifier code for the financial institution branch that services the account is next. The number ends with a basic bank account number, or BBAN, representing one account at a specific financial institution in a particular country. Financial institutions may return payments without processing them when people fail to use IBANs in countries that require them.
Standards set by the International Organization for Standardization define the IBAN's structure and the algorithms that govern the validation process, notes the IBAN website. The software system can validate the IBANs for close to 100 countries as of 2015, including the 35 countries in the Single Euro Payments Area jurisdiction.