SEPA and IBAN Tools

Shows on one screen whether the transfer will be SEPA or SWIFT, the exchange-rate cost, the real total cost, the amount reaching the recipient and the time. The main tool.

Shows a bank's participation in the SEPA schemes (SCT, SCT Instant, SDD) and — separately — its customer availability. Unknown fields are 'Not verified'.

Look up 3,598 SEPA participants from 44 countries in the European Payments Council's official records by name, BIC or country: see which schemes (SCT, SCT Instant, SDD Core/B2B, VoP) they are registered for.

Demonstrates the EU's Verification of Payee (VoP) check with an example: it compares the recipient name you enter with the account holder's name and explains what a Match / Close match / No match result means.

If your EU/EEA euro IBAN was rejected by asking for a local IBAN: it generates a ready complaint text under Article 9 of Regulation (EU) 260/2012 and directs you to the competent national authority. (A Turkish IBAN is not covered by this protection.)

In SEPA countries that do not use the euro, it shows the real cost of transfers that look 'free' due to the exchange-rate margin, and the bank vs alternative difference.

From the clues on your bank screen (OUR/SHA/BEN, correspondent fee, BIC, time…), it estimates — based on the indicators — whether the transaction is SEPA or SWIFT.

Interactive troubleshooter: it lists possible causes such as cut-off, weekend, bank support, name–IBAN mismatch, and the steps to take.

If Turkey is accepted into SEPA, it explains in which transactions a Turkish IBAN could be used, across three separate statuses (technical / policy / legal).

Validates an IBAN with the MOD-97 checksum and shows the country and SEPA coverage. Runs entirely in your browser.

Decodes the structure of an 8- or 11-character BIC/SWIFT code: institution, country, location and branch code.

Splits a German IBAN into the check digits, the BLZ and the account number; finds the bank and BIC from the BLZ.

Looks up the bank name and BIC from a German Bankleitzahl (BLZ) (sample database).

Compares the estimated total cost of a SWIFT and a SEPA transfer and the possible saving.

Calculates the estimated amount reaching the recipient and the total cost according to the charge-sharing option.

For SCT and SCT Instant, calculates the estimated crediting time based on the cut-off and the weekend.

Shows a country's SEPA, EU, EEA and euro status, its IBAN length and its country code.

Creates a SEPA payment initiation (pain.001) XML file, or structurally validates a file you have. Includes the IBAN MOD-97 check. Runs in your browser.

Checks dozens of IBANs you paste or upload from a CSV in bulk with MOD-97, separates valid/invalid ones and lets you download the result as CSV.

Decodes multiple BIC/SWIFT codes in bulk according to the ISO 9362 structure and checks their validity.

Decodes SEPA/ISO 20022 reject and return reason codes (AC01, AM04, MD01, RR04, etc.) with a plain explanation and a what-to-do suggestion.

Validates the country, business code and MOD-97 check-digit structure of a SEPA Direct Debit Creditor Identifier.

Converts a bank account statement (camt.053) or a debit/credit notification (camt.054) XML into readable rows; lets you download it as CSV or JSON.

From the recipient, IBAN and amount, generates a payment QR string and code in the EPC069-12 standard (GiroCode). Banking apps scan it. Runs in your browser.

From a country and a national part, generates a formally valid sample IBAN with a correct MOD-97 check digit. It is for testing; it is not a real account.

Generates a mandate (authorization) draft for SEPA Direct Debit (Core/B2B); validates the Creditor Identifier and IBAN, and suggests a UMR.

Compares banks' SEPA/instant transfer fees, their SDD/EBICS/API capabilities and their sources side by side (curated data).

Compares which bank offers SEPA Instant (instant) sending/receiving, with the IPR legal requirement and sources.

Compares two or more countries side by side in terms of SEPA coverage, EU/EEA membership, euro usage and IBAN structure.