Do you validate non-Spanish IBANs?

Yes. We validate the formats of all 36 SEPA countries and the main non-SEPA ones.

What if a known-good IBAN comes back as invalid?

Make sure it has no whitespace, the country code is right and rewrite it. If it persists, contact us.

Does validation catch cancelled accounts?

No. The bank detects cancellations when processing the collection. Consider Verification of Payee if you want a pre-check.

Are bank accounts in the file validated?

Published on 2026-01-04 · Updated on 2026-05-22

Are the bank accounts in the file validated?

Yes. Before producing the SEPA XML we run three checks on every IBAN:

TL;DR

Per-country structure (BBAN length and format).
Checksum (MOD-97, ISO 7064).
Bank code existence.

If a row fails, we flag it and let you correct it before downloading the file.

Errors we detect

IBAN too short / long for the country.
Invalid characters (stray whitespace, letters instead of digits).
Wrong check digits.
Non-existent bank code.

What we don’t validate

We do not check that the account is active nor that the holder matches the name. That happens at the recipient’s bank. SEPA has Verification of Payee (VOP) for that — ask your bank if it offers it.

Conclusion

Pre-validation saves you bounces and return fees. For a single IBAN, use our IBAN Validator.

Frequently Asked Questions

Do you validate non-Spanish IBANs?: Yes. We validate the formats of all 36 SEPA countries and the main non-SEPA ones.
What if a known-good IBAN comes back as invalid?: Make sure it has no whitespace, the country code is right and rewrite it. If it persists, contact us.
Does validation catch cancelled accounts?: No. The bank detects cancellations when processing the collection. Consider Verification of Payee if you want a pre-check.