ISO 13616-1:2020

FINAL
INTERNATIONAL ISO/FDIS
DRAFT
STANDARD 13616-1
ISO/TC 68/SC 8
Financial services — International
Secretariat: SNV
bank account number (IBAN) —
Voting begins on:
2020-06-24
Part 1:
Voting terminates on:
Structure of the IBAN
2020-08-19
Services financiers — Numéro de compte bancaire international
(IBAN) —
Partie 1: Structure de l'IBAN
RECIPIENTS OF THIS DRAFT ARE INVITED TO
SUBMIT, WITH THEIR COMMENTS, NOTIFICATION
OF ANY RELEVANT PATENT RIGHTS OF WHICH
THEY ARE AWARE AND TO PROVIDE SUPPOR TING
DOCUMENTATION.
IN ADDITION TO THEIR EVALUATION AS
Reference number
BEING ACCEPTABLE FOR INDUSTRIAL, TECHNO-
ISO/FDIS 13616-1:2020(E)
LOGICAL, COMMERCIAL AND USER PURPOSES,
DRAFT INTERNATIONAL STANDARDS MAY ON
OCCASION HAVE TO BE CONSIDERED IN THE
LIGHT OF THEIR POTENTIAL TO BECOME STAN-
DARDS TO WHICH REFERENCE MAY BE MADE IN
©
NATIONAL REGULATIONS. ISO 2020

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ISO/FDIS 13616-1:2020(E)

COPYRIGHT PROTECTED DOCUMENT
© ISO 2020
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ii © ISO 2020 – All rights reserved

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ISO/FDIS 13616-1:2020(E)

Contents Page
Foreword .iv
Introduction .v
1 Scope . 1
2 Normative references . 1
3 Terms and definitions . 1
4 Conventions . 2
5 Structure . 2
6 Check digits . 3
6.1 General . 3
6.2 Checking the check digits . 3
6.3 Generating the check digits . 3
7 Registration of IBAN formats . 3
8 Formats and samples of IBANs . 4
Annex A (normative) Representation of the IBAN in the printed format. 5
Annex B (informative) Example of how to calculate and validate the check digits .6
Bibliography . 8
© ISO 2020 – All rights reserved iii

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ISO/FDIS 13616-1:2020(E)

Foreword
ISO (the International Organization for Standardization) is a worldwide federation of national standards
bodies (ISO member bodies). The work of preparing International Standards is normally carried out
through ISO technical committees. Each member body interested in a subject for which a technical
committee has been established has the right to be represented on that committee. International
organizations, governmental and non-governmental, in liaison with ISO, also take part in the work.
ISO collaborates closely with the International Electrotechnical Commission (IEC) on all matters of
electrotechnical standardization.
The procedures used to develop this document and those intended for its further maintenance are
described in the ISO/IEC Directives, Part 1. In particular, the different approval criteria needed for the
different types of ISO documents should be noted. This document was drafted in accordance with the
editorial rules of the ISO/IEC Directives, Part 2 (see www .iso .org/ directives).
Attention is drawn to the possibility that some of the elements of this document may be the subject of
patent rights. ISO shall not be held responsible for identifying any or all such patent rights. Details of
any patent rights identified during the development of the document will be in the Introduction and/or
on the ISO list of patent declarations received (see www .iso .org/ patents).
Any trade name used in this document is information given for the convenience of users and does not
constitute an endorsement.
For an explanation of the voluntary nature of standards, the meaning of ISO specific terms and
expressions related to conformity assessment, as well as information about ISO's adherence to the
World Trade Organization (WTO) principles in the Technical Barriers to Trade (TBT), see www .iso .org/
iso/ foreword .html.
This document was prepared by Technical Committee ISO/TC 68, Financial services, Subcommittee SC 8,
Reference data for financial services.
This second edition cancels and replaces the first edition (ISO 13616-1:2007), of which it constitutes a
minor revision. The changes to the previous edition are as follows:
— updates of the Foreword and the introductory text in Clauses 2 and 3;
— in 6.3.3, a note has been added to clarify how to implement the ISO/IEC 7064 check digit, to ensure
proper validation of the IBAN;
— minor editorial changes.
A list of all parts in the ISO 13616 series can be found on the ISO website.
Any feedback or questions on this document should be directed to the user’s national standards body. A
complete listing of these bodies can be found at www .iso .org/ members .html.
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ISO/FDIS 13616-1:2020(E)

Introduction
The use of electronic communication media and services internationally for the cross-border
transmission of information and payment-related transactions between financial institutions, as well
as between financial institutions and their customers, continues to increase. In order to facilitate
automated processes in support of straight through processing (STP) in this environment, the ISO 13616
series has been developed as a means by which financial institutions and their customers can exchange,
through inter-industry electronic data interchange (EDI), customer account identification details in a
machine-readable form. It also makes provision for validation of the information provided.
In developing the ISO 13616 series, it was recognized that a single, universal method for identifying the
account and banking relationship for customers of financial institutions was not practical. Accordingly,
the ISO 13616 series recognizes that financial institutions would wish to retain, wherever possible, their
current national identification methods. It therefore provides a method whereby a minimum amount
of change to existing systems is required and, at the same time, proposes a means of structuring the
information in a way that promotes automated processing of the information provided.
It is anticipated that the use of the ISO 13616 series in electronic data interchange will:
a) reduce the need for manual intervention in the processing of inter-industry and intra-industry data
interchange;
b) improve the level of confidence in the accuracy of the information provided;
c) provide certainty that the information provided is relevant to the country of ownership of the
account.
It is recognized that the IBAN would also be of use in a paper environment. The use of information to
further qualify details of the financial institution at which the IBAN applies is not precluded by their
use outside of the IBAN.
© ISO 2020 – All rights reserved v

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FINAL DRAFT INTERNATIONAL STANDARD ISO/FDIS 13616-1:2020(E)
Financial services — International bank account number
(IBAN) —
Part 1:
Structure of the IBAN
1 Scope
This document specifies the elements of an international bank account number (IBAN) used to facilitate
the processing of data internationally in data interchange, in financial environments as well as within
and bet
...