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Rule reference · SEPA Credit Transfer scheme rules · IBAN check digits

SEPA-SCT-IBAN-001: Debtor IBAN check digits are wrong

The check digits of the debtor IBAN (characters 3 and 4) do not match the rest of the IBAN (ISO 13616, ISO 7064 MOD 97-10).

SeverityBLOCKER Blocker: the run fails
StatusRequirement of the guidelines
Applies topain.001.001.09, SEPA Credit Transfer
Elements checked
/Document/CstmrCdtTrfInitn/PmtInf/DbtrAcct/Id/IBAN
SourceISO 13616-1 2020, section IBAN check digits, ISO 7064 MOD 97-10 (EPC132-08 2.1.1 item 2.46 requires an IBAN) · Standards and sources
Rule packsepa.sct.pain001.v09 v2, effective 2025-10-05

Why it matters

An IBAN with wrong check digits does not exist; the bank rejects the payment.

How to fix it

Check the house bank account master data for a typing error in the IBAN.

Example

Synthetic XML fragments.

Example that fails
<Id>
  <IBAN>DE51100000000000000001</IBAN>
</Id>
Corrected
<Id>
  <IBAN>DE50100000000000000001</IBAN>
</Id>

Try it with a synthetic example

These files are synthetic test data from BankLint's test corpus. Download one, or validate it directly.

  • Debtor IBAN with check digits off by one (still IBAN-shaped): ISO 13616 MOD 97-10 fails. FAIL · Download · Validate it

Explained in

Validate a pain.001 fileFree, no account needed, files are not stored.