Bank Code & Payment Tools
Fifteen private reference tools for payment identifiers: IBAN and creditor references, BIC structure, IFSC and MICR, US, UK, Australian and Canadian bank codes, card checksums and BIN ranges, masking and settlement dates.
About these tools
Five different things get called 'checking a bank code', and only some of them are possible here. These tools do syntax validation (does the string match the published format), checksum validation (does the built-in check digit agree), directory lookup (is the code in a dated reference list) and institution identification (which bank the code names). None of them can confirm that an account exists, that it belongs to the person you are paying, that funds are available, or that a payment will succeed - and every page says so where it matters.
The reference data is dated and sourced. The Reserve Bank of India is the authority for IFSC and MICR. Authoritative worldwide BIC data requires licensed SwiftRef, which a2z.tools does not hold, so the BIC tool validates ISO 9362 structure and searches only a small, clearly labelled dataset. There is no authoritative free BIN list either, so the card tool explains the ISO/IEC 7812 ranges rather than naming issuers it cannot verify. Card numbers, IBANs and account numbers are processed in your browser and never uploaded.
Popular tasks
All Bank Code & Payment Tools
- India IFSC Code Finder Check an Indian IFSC against the format the Reserve Bank of India defines, see what each position means, and identify the bank from its four-letter code using a dated offline list - with RBI's published file named as the only authority on the branch itself.
- India MICR Code Finder Decode an Indian MICR line: the city, bank and branch blocks of the nine-digit code and what each one means, a format check, and the cheque line pulled apart - with RBI's published file named as the only authority on which branch a code belongs to.
- SWIFT/BIC Code Finder Validate a BIC against the ISO 9362 structure - institution, country, location and optional branch - decode what each part means, and search a small, clearly labelled dataset that is not a complete worldwide directory.
- IBAN Validator Validate an IBAN properly: the country's published length and character pattern, the ISO 7064 mod-97 check digits recomputed step by step, the national bank and account parts split out, and bulk checking for a whole list.
- IBAN Format Guide A reference for IBAN structures country by country: total length, the bank, branch and account segments, the character pattern, the national check digits where they exist, and a synthetic example that is clearly marked as one.
- US Routing Number Validator Validate a nine-digit US routing number with the ABA weighted checksum, decode what the prefix says about the Federal Reserve district and the institution type, and check a whole list at once.
- UK Sort Code Finder Check a UK sort code and account number: the six-digit format, the bank the leading digits belong to in a dated offline list, and the modulus check that the industry rules define, with every step shown.
- Australia BSB Code Finder Check an Australian BSB: the six-digit format, the bank and state the first three digits identify, the branch where the dated dataset has one, and what a BSB cannot tell you about an account.
- Canada Bank Transit Number Validator Check a Canadian routing number in both forms: the transit and institution pair, the cheque and electronic encodings, and the institution from a dated offline list. There is no check digit inside it to verify, and the page says so.
- SEPA Creditor Reference Generator Create and validate structured creditor references: the RF prefix with ISO 7064 mod-97-10 check digits computed from your invoice reference, formatting for remittance fields, and bulk generation from a pasted list.
- Credit Card Luhn Validator Run the Luhn checksum over a card number in your browser and see the doubling step by step, with the brand suggested by the number pattern and length - a format check only, never a check that a card is real or usable.
- Card BIN/IIN Lookup Explain the first digits of a card number: the major industry identifier, the issuer identification number, the brand ranges published in ISO/IEC 7812, and why no free list can reliably name the issuing bank.
- UPI ID Format Validator Check the format of a UPI virtual payment address: the allowed characters either side of the @, the handle against a dated list of known PSP handles, common typos, and what a format check cannot tell you about the payee.
- Bank Account Masker Mask account numbers, IBANs, card numbers and sort codes in text or a CSV column before you share a file: choose how many digits stay visible, keep the format readable, and check nothing recognisable was left behind.
- International Bank Holiday Finder Work out when a payment can actually settle: the next working day for a country from a dated holiday list you can edit, value dates after n business days, weekend rules, and the days both countries are open.
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