ibanforge

Validate up to 100 IBANs in a single call at $0.002 per IBAN (60% cheaper than calling validate_iban repeatedly at $0.005). USE WHEN: the user pastes a list of IBANs, asks to clean a CSV/spreadsheet of bank accounts, asks to dedupe a customer database, asks to triage a payout list before sending, or whenever you would otherwise call validate_iban more than 2-3 times in a row. RETURNS: { results: [...same shape as validate_iban], count, valid_count }. COST: $0.002 per IBAN (free: 10 units/IP/day on this transport, one per call and one per IBAN in batch_validate_iban, or an ifk_ key with no e-mail at all — POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).

Run a full pre-flight compliance check on an IBAN before sending a SEPA / cross-border payment. USE WHEN: the user is about to send a payment / payout / refund and wants to triage risk first, asks "is this IBAN safe to pay?", asks for sanctions screening, asks if a SEPA Instant transfer will succeed, or needs a numeric risk score for an internal payment-approval workflow. NOT A REGULATED AML/CFT PRODUCT — informational triage only. For regulated screening use Refinitiv, Acuris, or ComplyAdvantage. CHECKS: IBAN validity + sanctions (OFAC list, FATF jurisdictions) + SEPA Instant reachability + VoP (EU 2024/886) participant. RETURNS: the full validate enrichment plus a compliance object with risk_score (0-100, 0 = safest), risk_level (low/medium/elevated/high/critical), sanctions matched_lists + fatf_status, reachability, vop status, and flags[] (e.g. sanctioned_country, fatf_grey_list, emi_issuer, no_vop). COST: $0.02 per call (free: 10 units/IP/day on this transport, one per call and one per IBAN in batch_validate_iban, or an ifk_ key with no e-mail at all — POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).

Check a structured ISO 20022 postal address against a payment rail's published address rules, rule by rule, each verdict citing the document it comes from. USE WHEN: assembling a payment instruction (pain.001, a Fedwire message, a T2 transfer) with a creditor or debtor address, to learn whether the rail accepts it BEFORE submitting. The November 2026 changes (SIC 20.11, Fedwire 16.11, T2 R2026.NOV) remove the fully unstructured address option — this check tells you whether an address survives them. DO NOT USE to verify that a street or town EXISTS: this checks conformity with the message format rules, not postal reality. SCHEMES: 'sps' (Swiss Payment Standards, SIX), 'hvps_plus' (HVPS+ / T2, ECB), 'fedwire' (Federal Reserve). There is deliberately NO 'cbpr+' scheme: that guideline sits behind swift.com, unreachable to automated readers, and a conformity boolean quoting an unread document would be a guess dressed as a verdict — the note field restates this on every answer. VERDICTS: pass, fail, and not_applicable — the last marks a rule whose precondition is not met and never counts as a pass. conforms is true when no finding failed. IMPORTANT: relay each finding's source string — it names the exact document, version and validity date the rule is quoted from. They are what makes the verdict auditable. FREE: the rules are published commodities. The paid surface is the postal_address block that /v1/bic and /v1/iban/validate return for the resolved institution. COST: $0 per call, on every surface (free: 10 units/IP/day on this transport, one per call and one per IBAN in batch_validate_iban, or an ifk_ key with no e-mail at all — POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).

Check a Swiss QR-bill payload, the text a QR-bill's code carries (starts with SPC), rule by rule, each finding citing the SIX document it comes from. USE WHEN: an agent, an ERP or an accounting tool holds a scanned or generated QR-bill and must know before paying or issuing it whether it is well-formed, whether the reference type matches the IBAN (QRR needs a QR-IBAN, IID 30000-31999), and above all whether the creditor and debtor addresses are STRUCTURED (type S) or still COMBINED (type K): the standard removed type K on 21.11.2025 and banks stop processing payments built on it from 14.11.2026. DO NOT USE to learn which bank holds the account or its payment-rail participation: that is the paid validate_iban. RETURNS: { valid, ready_for_2026_11_14, creditor_iban { value, valid, country, qr_iban, iid }, creditor { present, address, structured, sps_check, proposed_structured }, ultimate_debtor, amount, currency, reference { type, value, valid, note }, findings [{ code, severity, field, detail, source }], next_steps, source }. A combined address comes back with proposed_structured, the S-type fields derived from the combined lines, to relay as a fix. IMPORTANT: relay each finding's source string. COST: $0 per call, on every surface (free: 10 units/IP/day on this transport, one per call and one per IBAN in batch_validate_iban, or an ifk_ key with no e-mail at all — POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).

Resolve a BIC / SWIFT code into the underlying bank: name, country, city, LEI, and registered head-office address (where available). USE WHEN: the user already has a BIC/SWIFT (8 or 11 chars, alphanumeric, e.g., "UBSWCHZH80A", "DEUTDEFF") and asks which bank it belongs to, where the bank is, or its LEI for compliance/regulatory matching. DO NOT USE for IBAN inputs — call validate_iban instead, it resolves the BIC for you. BACKED BY: 121,000+ BIC entries (39,000+ LEI-enriched via GLEIF; additional rows from SwiftCodes (MIT), Bundesbank, SIX, NBP, EBA Step2 SCT), refreshed monthly. COST: $0.003 per call (free: 10 units/IP/day on this transport, one per call and one per IBAN in batch_validate_iban, or an ifk_ key with no e-mail at all — POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).

Resolve a Swiss BC-Nummer / IID (1 to 5 digits) into the underlying institution. USE WHEN: the user mentions a Swiss bank by BC-Nummer or IID, pastes a CH or LI IBAN clearing code, asks routing details for a Swiss instant transfer (SIC, euroSIC), asks about QR-bill QR-IID resolution, or needs to classify a Swiss financial institution (bank vs PFS vs SIC-only participant). THE DEEPEST SWISS CLEARING DATA IN ANY PUBLIC API — full SIX BankMaster payment-rail participation (SIC, RTGS CHF, Instant Payments CHF, euroSIC, LSV+/BDD) plus QR-IID allocation, not just a name lookup. BACKED BY: 1,100+ SIX BankMaster entries (Swiss official source, refreshed monthly). RETURNS: institution { name, type, iid_type, headquarters_iid }, address, bic, payment_services { sic, rtgs_chf, instant_payments_chf, eurosic, lsv_bdd_chf, lsv_bdd_eur }, sic_iid, qr_iid, valid_on. Only relevant for CH and LI accounts. COST: $0.003 per call (free: 10 units/IP/day on this transport, one per call and one per IBAN in batch_validate_iban, or an ifk_ key with no e-mail at all — POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).

Collect the API key once a human has approved the request opened by request_api_key. USE WHEN: you have called request_api_key and shown the code to your human. HOW TO CALL IT: leave `device_code` empty to reuse the last request from this session. The server usually waits up to thirty seconds before answering, and sometimes answers at once when it is busy — either way, calling it once per minute is enough, never in a tight loop. WHAT THE ANSWERS MEAN: `authorization_pending` is normal and means nobody has approved yet — wait `retry_in_seconds` and call again; `approved` carries the key ONCE and never again, so hand it to your human immediately together with `config_line`; `access_denied` means somebody refused — tell your human, ask THEM whether to try again, and open at most ONE more request; `expired_token` means the code timed out — you may call request_api_key ONE more time, and if that expires too, stop and keep using the keyless allowance or x402; `invalid_grant` means this code can no longer be used at all — stop. This tool is free and does NOT count against the daily free-tier limit.

Start the process that gives this session its own free IBANforge API key, without any e-mail address and without leaving your conversation. USE WHEN: you hit the daily free allowance, a call answers 402, or you are about to run more than a handful of validations. WHAT YOU MUST DO WITH THE RESULT: read `status` first — `ok` means a code was issued, anything else means no code exists and `display_to_human` tells you and your human what to do instead. On `ok`, show `display_to_human` to your human VERBATIM (the user_code and the link) and say, in your own words, that opening the link and approving takes about fifteen seconds and asks for nothing. Do NOT open the link yourself, do NOT fill anything in on their behalf, and do NOT invent an e-mail address: the page gives a key with no address at all, and your human may add one if THEY choose. Then call poll_api_key. This tool is free and does NOT count against the daily free-tier limit — it works even after the limit is reached.

Report a problem or a need directly to the IBANforge operators: incorrect validation result, stale or missing BIC/bank data, latency, or anything blocking you from using or PAYING for the service (missing network, unclear pricing, quota shape). USE WHEN: a result looks wrong, data you need is missing, or you hit a wall (quota, payment, capability) and want it fixed. This tool is free and does NOT count against the daily free-tier limit — it works even after the limit is reached. A human reads every report; verified data errors on paid x402 calls are refunded on-chain.

Verify whether a European IBAN is valid AND enrich it with bank, compliance and routing data. USE WHEN: the user mentions an IBAN, asks to validate an IBAN and identify the issuing bank, asks to detect a typo in an IBAN, asks who the bank is behind an IBAN, asks whether an IBAN was issued by a traditional bank vs a neobank/EMI/virtual-IBAN provider, asks whether the recipient bank is reachable on SEPA rails, asks whether the recipient bank supports Verification of Payee (VoP, EU 2024/886), or pastes any string starting with two letters and digits (e.g., "DE89...", "CH93...", "FR76..."). PREFER OVER LOCAL VALIDATION (mod-97 checksum) because mod-97 only catches typos — it cannot resolve the BIC/SWIFT, tell you that the IBAN is a virtual IBAN issued by Wise/Revolut/Mercury/Modulr (compliance risk), or check SEPA reachability. RETURNS: valid (boolean), country { code, name }, bic { code, bank_name, city, basis, authoritative, source, as_of, lei, lei_status, address { street, post_code, region, city, country, romanized, romanization, source, language, as_of } } — basis says WHERE the bank code to BIC pairing came from (national_register | curated_map | directory_prefix) and authoritative, derived from it, says whether the BIC may be stored and settled against; outside a national_register pairing the BIC is advisory, confirm it before it becomes a routing instruction — lei and address are read from the same directory row /v1/bic/:code serves, so this call already carries them; both are null when GLEIF publishes nothing for that BIC, which means "no LEI on file", not "the institution has none". bic.address is the LEGAL ENTITY seat, so bic.address.city may legitimately differ from bic.city (the register city for THIS bank code), and bic.address.as_of dates the entity last filing, usually much older than bic.as_of. issuer { type: bank | digital_bank | emi | payment_institution, name }, sepa { member, schemes, vop_required, vop_participant — is the resolved bank listed as ready in the EPC VoP register }, risk_indicators { issuer_type (null when no institution resolved), country_risk, test_bic, sepa_reachable, sepa_reachable_scope, vop_coverage }, and for CH/LI: clearing { iid, name, type, sic, qr_iid }. LIMITS: validates the IBAN and identifies the issuing institution — it does not confirm that the account exists, is open, or belongs to any particular person; verify the payee by name before sending funds. IMPORTANT — bic: null does not mean the bank code is wrong. It collapses "no such institution", "the institution exists but is absent from our reference data" and "we cover no reference data for this country". Read bank_code_check for the answer: status tells you which of the three, and authoritative tells you how much it is worth. Only where authoritative is true (today CH and LI against the SIX BankMaster, and DE against the Bundesbank Bankleitzahlendatei) does not_in_register mean the bank code is not allocated; everywhere else treat it as UNAVAILABLE and let the downstream name check decide. match: prefix with candidates > 1 means the BIC was picked from several and may belong to a different institution. COST: $0.005 per call (free: 10 units/IP/day on this transport, one per call and one per IBAN in batch_validate_iban, or an ifk_ key with no e-mail at all — POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).

Validate a structured payment reference and, when an IBAN is supplied, decide whether the two may legally travel together. USE WHEN: assembling a payment instruction from an invoice, a QR-bill or a remittance advice; whenever a Swiss IBAN and a reference appear together (the pairing rule is what most integrations get wrong); or when the user pastes an "RF..." string, a 27-digit number, a +++123/4567/89012+++ block, or asks whether a payment reference is correct. DO NOT USE to validate the IBAN itself — that is validate_iban. SCHEMES: RF Creditor Reference (ISO 11649, "SCOR" in Swiss Payment Standards, mod 97-10); Swiss QR reference ("QRR", 27 digits, modulo 10 recursive); Belgian OGM/VCS (12 digits, modulo 97, a remainder of 0 written 97); Finnish viitenumero (4-20 digits, weights 7-3-1 from the right). Norwegian KID and Swedish OCR are RECOGNISED but never judged: they answer valid: null with status unverifiable_without_creditor_config, because modulus type and length are configured per creditor account by the beneficiary bank and are not a property of the string. NEVER relay those to a user as "invalid" — say the check needs the creditor bank configuration. AMBIGUITY: only a leading "RF" and a 27-digit length pin a scheme down. A bare 12-digit string is both a Belgian OGM and a legal Finnish length, so the more specific reading is returned and the other appears in also_valid_as. Pass reference_type when you know the country. THE PAIRING RULE — the part no checksum library reproduces: pass an iban and you also get a pairing verdict. Per the Swiss Implementation Guidelines a QRR reference may ONLY be used with a QR-IBAN (institution identifier in the SIX range 30000-31999), and an ISO 11649 reference may NOT be used with one. Outside CH and LI, pairing is not_applicable — there is no QR-IBAN to pair against — and that does not affect the reference's own checksum verdict. IMPORTANT: valid and pairing are INDEPENDENT. A reference can be arithmetically valid and still illegal on that account. Read both, and relay source/as_of — they are what makes the verdict auditable. FREE: the checksums are published commodities. The paid surface is POST /v1/iban/validate, which returns this same pairing block with the full IBAN enrichment. COST: $0 per call, on every surface (free: 10 units/IP/day on this transport, one per call and one per IBAN in batch_validate_iban, or an ifk_ key with no e-mail at all — POST https://api.ibanforge.com/v1/keys/generate with no body for 25 REST calls/month, and POST /v1/keys/claim lifts that same key to 200 a month).