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Ibandit is a Ruby library for manipulating and validating IBANs. It allows you to:

  1. Create an IBAN from national banking details
  2. Deconstruct an IBAN into national banking details
  3. Validate an IBAN's check digits and structure

Ibandit also provides helper methods for validating some countries' local account details.

The gem is kept up to date using the IBAN structure file from SWIFT and the Bankleitzahl file from the Deutsche Bundesbank.

Usage

Installation

You don't need this source code unless you want to modify the gem. If you just want to use it, you should run:

gem install ibandit

Creating IBANs

All functionality is based around IBAN objects. To create one, simply pass a string to Ibandit::IBAN.new:

iban = Ibandit::IBAN.new("xq75 B a dCode 666")
iban.to_s                      # => "XQ75BADCODE666"
iban.to_s(:formatted)          # => "XQ75 BADC ODE6 66"

Alternatively, you can create an IBAN from national banking details

Validating an IBAN

IBANs are validated based on their structure and check-digits:

iban = Ibandit::IBAN.new("XQ75 BADCODE 666")

iban.valid?                    # => false

After validations, you can fetch details of any errors:

iban.errors                    # => { country_code: "'XQ' is not a valid..." }

The following error keys may be set:

  • country_code
  • bank_code
  • branch_code
  • account_number
  • check_digits
  • characters
  • length
  • format

Ibandit will also apply local modulus checks if you set a modulus checker:

module ModulusChecker
  def self.valid_bank_code?(iban_string)
    some_codes
  end

  def self.(iban_string)
    some_codes
  end
end

Ibandit.modulus_checker = ModulusChecker

Both the valid_bank_code? and valid_account_number? methods will receive the plain-text IBAN. valid_bank_code? should return true unless it is known that the bank/branch code in this IBAN are invalid in the country specified. valid_account_number? should return true unless it is known that the account number in this IBAN cannot be valid due to local modulus checking rules.

Deconstructing an IBAN into national banking details

SWIFT define the following components for IBANs, and publish details of how each county combines them:

country_code : The ISO 3166-1 country code prefix

check_digits : Two digits calculated using part of the ISO/IEC 7064:2003 standard

swift_bank_code : The SWIFT identifier for the bank to which the IBAN refers

swift_branch_code : The SWIFT identifer for the branch to which the IBAN refers (not used in all countries)

swift_account_number : The account number for the account

iban_national_id : The national ID for the bank / branch as documented by SWIFT

The SWIFT IBAN components are all available as methods on an IBAN object:

iban = Ibandit::IBAN.new("GB82 WEST 1234 5698 7654 32")

iban.country_code              # => "GB"
iban.check_digits              # => "82"
iban.swift_bank_code           # => "WEST"
iban.swift_branch_code         # => "123456"
iban.      # => "98765432"
iban.iban_national_id          # => "WEST123456"

In addition, it is often useful to extract any local check digits from the IBAN. These are available through a local_check_digits method:

iban = Ibandit::IBAN.new("ES12 1234 5678 9112 3456 7890")

iban.local_check_digits        # => "91"

In some countries, the SWIFT-defined details differ from the local details that customers are familiar with. For this reason, there are also bank_code, branch_code and account_number methods on an IBAN object. At present, these only differ from the swift_ equivalents for Swedish bank accounts.

iban = Ibandit::IBAN.new(
  country_code: 'SE',
  account_number: '7507-1211203'
)
iban.      # => "75071211203"
iban.            # => "1211203"

iban.swift_branch_code         # => nil
iban.branch_code               # => "7507"

Initializing Ibandit

The UK and Ireland both use part of the BIC as the bank_code in their IBANs. If you wish to construct UK or Irish IBANs you will either need to pass the bank_code explicitly, or configure Ibandit with a BIC finder:

# config/initializers/ibandit.rb
Ibandit.bic_finder = -> (country_code, national_id) do
  # This assumes you have `BankDirectoryPlus` set up to access the data provided
  # by SWIFTRef in their Bank Directory Plus product. The `national_id` is the
  # local national ID, not the "IBAN National ID" referred to in the IBAN Plus
  # file (since that is the `bank_code` and the `branch_code`).
 BankDirectoryPlus.find_by(country_code: country_code,
                           national_id: national_id).
                   try(:bic)
end

Creating an IBAN from national banking details

In many countries customers are familiar with national details rather than their IBAN. For example, in the UK customers use their Account Number and Sort Code.

To build an IBAN from local details:

# Austria
iban = Ibandit::IBAN.new(
  country_code: 'AT',
  account_number: '234573201',
  bank_code: '19043'
)
iban.iban                     # => "AT611904300234573201"

# Belgium
iban = Ibandit::IBAN.new(
  country_code: 'BE',
  account_number: '510-0075470-61'
)
iban.iban                     # => "BE62510007547061"

# Bulgaria
iban = Ibandit::IBAN.new(
  country_code: 'BG',
  bank_code: 'BNBG',
  branch_code: '9661'
  account_number: '1020345678'
)
iban.iban                     # => "BG80BNBG96611020345678"

# Croatia
iban = Ibandit::IBAN.new(
  country_code: 'HR',
  account_number: '1001005-1863000160',
)
iban.iban                     # => "HR1210010051863000160"

# Cyprus
iban = Ibandit::IBAN.new(
  country_code: 'CY',
  account_number: '1200527600',
  bank_code: '002',
  branch_code: '00128'
)
iban.iban                     # => "CY17002001280000001200527600"

# Czech Republic
iban = Ibandit::IBAN.new(
  country_code: 'CZ',
  bank_code: '0800',
  account_number_prefix: '19',
  account_number: '2000145399'
)
iban.iban                     # => "CZ6508000000192000145399"

# Denmark
iban = Ibandit::IBAN.new(
  country_code: 'DK',
  account_number: '345-3179681',
)
iban.iban                     # => "DK8003450003179681"

# Estonia
iban = Ibandit::IBAN.new(
  country_code: 'EE',
  account_number: '111020145685'
)
iban.iban                     # => "EE412200111020145685"

# Finland
iban = Ibandit::IBAN.new(
  country_code: 'FI',
  bank_code: '123456'
  account_number: '785'
)
iban.iban                     # => "FI2112345600000785"

# France
iban = Ibandit::IBAN.new(
  country_code: 'FR',
  bank_code: '20041',
  branch_code: '01005',
  account_number: '0500013M02606',
)
iban.iban                     # => "FR1420041010050500013M02606"

# Germany
iban = Ibandit::IBAN.new(
  country_code: 'DE',
  bank_code: '37040044',
  account_number: '0532013000'
)
iban.iban                     # => "DE89370400440532013000"

# Greece
iban = Ibandit::IBAN.new(
  country_code: 'GR',
  bank_code: '011',
  branch_code: '0125',
  account_number: '0000000012300695'
)
iban.iban                     # => "GR16011012500000000012300695"

# Hungary
iban = Ibandit::IBAN.new(
  country_code: 'HU',
  account_number: '11773016-11111018'
)
iban.iban                     # => "HU42117730161111101800000000"

# Ireland
iban = Ibandit::IBAN.new(
  country_code: 'IE',
  bank_code: 'AIBK', # optional if a BIC finder is configured
  branch_code: '931152',
  account_number: '12345678'
)
iban.iban                     # => "IE29AIBK93115212345678"

# Iceland
iban = Ibandit::IBAN.new(
  country_code: 'IS',
  bank_code: '1175'
  account_number: '26-19530-670269-6399'
)
iban.iban                     # => "IS501175260195306702696399"

# Italy
iban = Ibandit::IBAN.new(
  country_code: 'IT',
  bank_code: '05428',
  branch_code: '11101',
  account_number: '000000123456'
)
iban.iban                     # => "IT60X0542811101000000123456"

# Latvia
iban = Ibandit::IBAN.new(
  country_code: 'LV',
  account_number: '1234567890123',
  bank_code: 'BANK'
)
iban.iban                     # => "LV72BANK1234567890123"

# Lithuania
iban = Ibandit::IBAN.new(
  country_code: 'LT',
  account_number: '11101001000',
  bank_code: '10000'
)
iban.iban                     # => "LT1000011101001000"

# Luxembourg
iban = Ibandit::IBAN.new(
  country_code: 'LU',
  account_number: '1234567890123',
  bank_code: 'BANK'
)
iban.iban                     # => "LU75BANK1234567890123"

# Monaco
iban = Ibandit::IBAN.new(
  country_code: 'MC',
  bank_code: '20041',
  branch_code: '01005',
  account_number: '0500013M026'
)
iban.iban                     # => "MC9320041010050500013M02606"

# Malta
iban = Ibandit::IBAN.new(
  country_code: 'MT',
  bank_code: 'MMEB', # optional if a BIC finder is configured
  branch_code: '44093',
  account_number: '9027293051'
)
iban.iban                     # => "MT98MMEB44093000000009027293051"

# The Netherlands
iban = Ibandit::IBAN.new(
  country_code: 'NL',
  account_number: '0417164300',
  bank_code: 'ABNA'
)
iban.iban                     # => "NL91ABNA0417164300"

# Norway
iban = Ibandit::IBAN.new(
  country_code: 'NO',
  account_number: '8601.1117947',
)
iban.iban                     # => "NO9386011117947"

# Poland
iban = Ibandit::IBAN.new(
  country_code: 'PL',
  account_number: '60102010260000042270201111',
)
iban.iban                     # => "PL60102010260000042270201111"

# Portugal
iban = Ibandit::IBAN.new(
  country_code: 'PT',
  bank_code: '0002',
  branch_code: '0023',
  account_number: '0023843000578'
)
iban.iban                     # => "PT50000200230023843000578"

# Romania
iban = Ibandit::IBAN.new(
  country_code: 'RO',
  bank_code: 'AAAA',
  account_number: '1B31007593840000'
)
iban.iban                     # => "RO49AAAA1B31007593840000"

# San Marino
iban = Ibandit::IBAN.new(
  country_code: 'SM',
  bank_code: '05428',
  branch_code: '11101',
  account_number: '000000123456'
)
iban.iban                     # => "SM88X0542811101000000123456"

# Slovakia
iban = Ibandit::IBAN.new(
  country_code: 'SK',
  bank_code: '1200',
  account_number_prefix: '19',
  account_number: '8742637541'
)
iban.iban                     # => "SK3112000000198742637541"

# Slovenia
iban = Ibandit::IBAN.new(
  country_code: 'SI',
  bank_code: '19100',
  account_number: '1234'
)
iban.iban                     # => "SI56191000000123438"

# Spain
iban = Ibandit::IBAN.new(
  country_code: 'ES',
  account_number: '23100001180000012345'
)
iban.iban                     # => "ES8023100001180000012345"

# Sweden
iban = Ibandit::IBAN.new(
  country_code: 'SE',
  account_number: '7507-1211203'
)
iban.iban                     # => "SE2680000000075071211203"

# United Kingdom
iban = Ibandit::IBAN.new(
  country_code: 'GB',
  bank_code: 'BARC', # optional if a BIC finder is configured
  branch_code: '200000',
  account_number: '55779911'
)
iban.iban                     # => "GB60BARC20000055779911"

Pseudo-IBANs

In some countries, it is not possible to recover local banking details from an IBAN. For this reason, Ibandit has a concept of a pseudo-IBAN. This is a string with a similar structure to an IBAN that can be decomposed into local banking details. Pseudo-IBANs can be recognized by the fact that they have ZZ as the third and fourth characters (these would be check digits for a regular IBAN).

iban = Ibandit::IBAN.new(
  country_code: 'SE',
  branch_code: '7507',
  account_number: '1211203'
)
iban.pseudo_iban              # => "SEZZX7507XXX1211203"

iban = Ibandit::IBAN.new('SEZZX7507XXX1211203')
iban.country_code             # => "SE"
iban.branch_code              # => "7507"
iban.           # => "1211203"

At present, pseudo-IBANs are only available for Swedish bank accounts.

Other libraries

Another gem, iban-tools, also exists and is an excellent choice if you only require basic IBAN validation. We built Ibandit because iban-tools doesn't provide a comprehensive, consistent interface for the construction and deconstruction of IBANs into national details.