I don’t need to confirm whether an account exists, but I do need to ensure the IBAN matches the country’s expected structure.

This feature validates whether an IBAN conforms to the expected structure for its country, without attempting to confirm if the underlying bank account exists. It helps teams catch formatting and structural errors early, improving data quality and reducing failed downstream payments.

This feature provides structural IBAN validation based on country-specific IBAN rules, focusing on whether the input matches the expected format for the identified country. It checks that the IBAN is well-formed and aligned with the country’s required length and composition, helping detect common input mistakes before processing. The feature is designed for cases where you do not need, or cannot perform, account existence checks, but still need strong assurance that the IBAN is plausibly valid. It can be used at data-entry time to guide users to correct issues immediately, or during back-office review to reduce manual follow-up. By validating structure rather than existence, it supports compliance and privacy constraints while still improving payment readiness. Typical use cases include onboarding beneficiaries, validating supplier banking details, and pre-validating payout destinations in multi-country flows. It also helps reduce operational costs by lowering the rate of rejected or returned payments caused by invalid IBAN formatting. The output of the validation can be used to block submission, display clear remediation prompts, or flag records for review, depending on your workflow. This approach is especially useful in international contexts where IBAN rules vary by country and simple regex checks are insufficient.