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fake-iban-generator

An IBAN (International Bank Account Number) follows a strict format: country code (2 letters) + check digits (2) + bank-specific identifier (up to 30 chars), with a MOD-97 checksum. The ZTools Fake IBAN Generator produces format-valid IBANs that pass syntax + checksum validation but reference no real bank account. Used for testing form validation, payment-flow QA, schema fuzz testing, and anywhere a real IBAN would be inappropriate (test fixtures in public repos). The generator covers 70+ countries with their specific length and structure rules.

Use cases​

Form validation testing​

A payment form validates IBAN format. Need 50 valid samples across countries to test edge cases.

Database test fixtures​

Seed an integration test with realistic-looking IBAN data that's safe to commit to a public repo.

API contract testing​

Mock responses for a payment API need IBAN-shaped strings. Generated values pass the validator and behave correctly.

UI / accessibility QA​

Test how long IBANs render in your form fields — Maltese IBANs are 31 chars, Norwegian only 15.

How it works​

  1. Pick country — Each ISO country code has a specific IBAN length and structure.
  2. Optional bank code — Some countries allow specifying the bank prefix; the generator fills the rest randomly.
  3. Compute checksum — MOD-97 algorithm: rearrange string, convert letters to digits, compute mod 97, set check digits so the total ≡ 1 mod 97.
  4. Output — A format-valid IBAN. Validates against any standard IBAN library — but bank rejects when used for actual transfers (account doesn't exist).

Examples​

Input: Country: GB (UK)

Output: GB29NWBK60161331926819 — 22-char IBAN, format-valid, no real account.

Input: Country: DE (Germany)

Output: DE89370400440532013000 — 22-char IBAN with German structure.

Input: Country: NO (Norway)

Output: NO9386011117947 — 15-char IBAN (shortest standard).

Input: Country: MT (Malta)

Output: MT84MALT011000012345MTLCAST001S — 31-char IBAN (longest standard).

Frequently asked questions​

Are these IBANs safe to use?

They're format-valid but reference no real account. Using them to attempt a transfer fails at the bank — no money moves. Safe for testing; never use for real transactions.

Will they pass my validator?

Yes — any IBAN library that checks format + MOD-97 checksum accepts these. Banks doing real-time bank-existence verification reject them, which is the point.

Can the same fake IBAN match a real account?

Statistically yes for very small countries; no for most. The generator picks bank-code + account-number portions randomly. To be safe, only use these in test environments.

Privacy?

All in browser.

Tips​

  • Always label test data clearly as "TEST_ONLY" — a fake IBAN that escapes into production logs can confuse debugging.
  • For load testing, generate 1000+ unique fake IBANs — checksum-valid but with high cardinality.
  • For UI testing of edge cases, generate IBANs from short (NO, BE) and long (MT, RO) countries to test field width.
  • Never use fake IBANs in real banking flows — even though they're harmless, the audit log noise isn't worth it.

Try it now​

The full fake-iban-generator runs in your browser at https://ztools.zaions.com/fake-iban-generator — no signup, no upload, no data leaves your device.

Open the tool ↗

Last updated: 2026-05-06 · Author: Ahsan Mahmood · Edit this page on GitHub