IBAN IT Validator

Understanding the Italian IBAN

An IBAN (International Bank Account Number, standard ISO 13616) identifies a bank account worldwide. It begins with a 2-letter country code, then 2 check digits, then a country-specific BBAN. An Italian IBAN always has a fixed length of 27 characters and starts with IT.

Italy belongs to the SEPA zone, so the IBAN is the standard identifier for euro transfers domestically and across borders.

Structure of an Italian IBAN

After IT and the 2 check digits, the 23-character BBAN is made up of four parts:

• CIN — a single national check letter.
• ABI — 5-digit bank code.
• CAB — 5-digit branch code.
• Numero di conto — the 12-character account number.

Example: IT60 X054 2811 1010 0000 0123 456. The CIN is computed over the 22 characters of ABI + CAB + account number.

How validation works

The IBAN-level check uses the mod-97 algorithm (ISO 7064, MOD 97-10): move the first 4 characters to the end, replace letters with two digits (A=10 … Z=35), read the whole thing as one integer, and confirm that integer mod 97 equals 1. The CIN check letter is a separate national check applied before the IBAN was introduced.

Common pitfalls

• Dropping the CIN check letter — it is the first character of the Italian BBAN.
• Counting spaces toward the length: a valid Italian IBAN is 27 characters without spaces.
• Confusing ABI/CAB with a BIC/SWIFT code — they are different identifiers.
• Assuming a valid checksum means the account exists: mod-97 only proves structure and check digits.

FAQ

How many characters does an Italian IBAN have? Exactly 27, starting with IT.

What is the CIN? A single national check letter calculated from the ABI, CAB and account number.

Does a valid IBAN guarantee the account is real? No. Validation confirms the format and checksum only.