What is an IBAN generator?

It is a tool that converts a bank account number in CCC format (Client Account Code) to IBAN format (International Bank Account Number). It automatically applies the MOD-97 algorithm to calculate the check digits and generates a valid 24-character IBAN for Spanish accounts.

Is the CCC to IBAN conversion always accurate?

Yes, as long as the source CCC is correct. The conversion is a deterministic mathematical calculation — the same CCC always produces the same IBAN. Our generator also validates the internal CCC check digits before generating the IBAN, to avoid producing IBANs from erroneous accounts.

Can I convert accounts from countries other than Spain?

The CCC format with the 20-digit structure (entity-branch-check-account) is specific to the Spanish banking system. For accounts from other countries, the national format varies and each country has its own conversion rule to IBAN. This tool is optimised for Spanish accounts.

Is the IBAN generator free?

Yes, individual conversion is completely free and requires no registration. If you need to convert lists of CCC accounts to IBAN in bulk, you can do so from the SEPA Generator platform with a free trial plan.

Free IBAN Generator — Convert Any CCC Account Number to IBAN Instantly

Convert any CCC account number to a valid IBAN in seconds. Get the bank name, BIC code and country — no registration required.

How to convert the Client Account Code to IBAN format

The CCC format, also known as the Client Account Code, is an old format used by some banks to identify customers' bank accounts. However, the CCC format is no longer used in most countries and has been replaced by the IBAN format, an international standard for bank account identification.

To convert your CCC account number to a valid IBAN account number, simply enter your CCC account number in the corresponding field and click 'Convert'. Our conversion tool will automatically generate a valid IBAN account number that you can use for international bank transfers.

Remember that using the correct account number format is essential to ensure smooth bank transfers. With our bank account conversion tool, you can make sure your bank account is in the right format for international transfers.

Account Number Converter

Enter your CCC account number details for conversion.

Bank Code

Branch

Control Digits

Account Number

Once you have a valid IBAN account number, you can use SEPA Converter to generate SEPA XML files required by banks for issuing debits.

If you have a list of customers and amounts, you can generate these files in batches from an Excel file. Use our trial plan to ensure SEPA Converter fits your needs.

Try SEPA Generator

What is the Client Account Code (CCC)?

The CCC (Código Cuenta Cliente, or Client Account Code) was the system used by Spanish banks to identify their customers' accounts. It consists of 20 digits split into four blocks: entity code (4), branch code (4), check digits (2) and account number (10).

Although the CCC was officially replaced by IBAN in 2014, many legacy accounting systems and databases still store account numbers in CCC format. That is why converting them to IBAN remains necessary for issuing SEPA transfers and direct debits.

How is a CCC converted to IBAN?

The conversion is a deterministic calculation: the country code (ES for Spain) is prepended, the two IBAN check digits are calculated using the MOD-97 algorithm, and the full CCC is appended as the BBAN. The result is always a 24-character IBAN in the format ES00 0000 0000 00 0000000000.

Our generator performs this conversion automatically and also validates that the internal CCC check digits are correct before generating the IBAN. If there is an error in the source CCC, it will flag it before producing an incorrect IBAN.

When do you need to convert CCC to IBAN?

The most common scenarios include:

Migrating a customer database that still holds accounts in CCC format
Generating SEPA XML files (pain.001 or pain.008) where IBAN is mandatory
Updating SEPA direct debit mandates with the correct account number
Verifying that a legacy CCC account is still valid before issuing a payment

Common errors when converting CCC to IBAN

The most frequent mistakes when trying to convert a CCC to IBAN manually are:

Confusing the CCC check digits with the IBAN check digits — they are different calculations
Entering a CCC with fewer than 20 digits (missing leading zeros)
An entity or branch code that no longer exists after bank mergers
Manually calculating the IBAN check digits, which use modular arithmetic with numbers exceeding 20 digits

Other SEPA utilities

IBAN validator — Verify the format and MOD-97 check digits of any IBAN.
Bank from IBAN — Identify which bank an IBAN belongs to.
SEPA Creditor ID — Generate and validate the SEPA Creditor Identifier.
pain.008 XML validator — Check SEPA direct debit files against the official schema.

What do our customers say?

And if you don't believe it, try it yourself! Create an account and start generating files in two minutes.

You saved my life. I panicked when I couldn't send the file my ERP generates, but thanks to you, I'm back to processing invoices with just two clicks.

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Founder of Martín Asesores

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Sara Lekue

Administration Department

A JSON API to generate SEPA direct debits: you've saved me hours of work and testing.

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Developer

Worth the cost

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I spent a lot of time struggling with the bank and its files, when the solution was just one click away.

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