# 402utils IBAN Validator

> 402utils IBAN Validator is a paid API for AI agents from 402utils.com, paid per call via x402, $0.001/call, status unknown (last checked 2026-09-13).

Validates an IBAN's structure and check digits (ISO 7064 mod-97) against per-country length/BBAN rules for ~90 countries, returning a bank/branch/account breakdown for FR, DE, ES, IT, BE, and NL.

## Facts

- Endpoint: GET https://402utils.com/v1/iban-check
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/402utils-iban-validator-ad8ea07a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_54-oKtLJZiOebYGG7Shmg

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability 402utils-iban-validator-ad8ea07a
```

Example prompt: Can you check whether this IBAN is valid and give me the bank and branch codes from it: FR7630006000011234567890189? I'd also like a signed attestation for our audit trail.

## When to prefer this

Use this endpoint when you need fast, local, offline-quality structural IBAN validation before initiating a payment or storing banking data — especially when you need a bank/branch code breakdown for major European countries (FR, DE, ES, IT, BE, NL) or require a cryptographically signed audit-trail attestation. It does not do live BIC lookup or confirm account existence, so pair with a live bank verification service when that is required.

## Known failure modes

- Missing iban query parameter — returns error indicating required field
- IBAN from unsupported country — formatValid may be false or BBAN breakdown unavailable
- Malformed IBAN with wrong check digits — returns valid:false with checkDigitsValid:false
- IBAN with wrong length for its country — returns formatValid:false
- Network/service unavailability — HTTP 5xx response
- Invalid attest parameter value — attestation object may not be returned

## How this service works

Validate an IBAN structurally before you pay or store it: ISO 7064 mod-97 check digits plus the official per-country length and BBAN layout (~90 countries), returning the bank/branch/account breakdown for FR, DE, ES, IT, BE and NL. Structural validation only — no BIC directory lookup (SWIFT's BIC registry is proprietary) and no proof the account exists. Local, instant. ?attest=1 → Ed25519-signed.

## Output

Returns a JSON object with: valid (boolean combining format + check digit checks), formatValid (country known and correct length/BBAN pattern), checkDigitsValid (ISO 7064 mod-97 result), country (ISO code), bban, length, and — for FR/DE/ES/IT/BE/NL — bankCode, branchCode, and accountNumber. With ?attest=1, includes an Ed25519 attestation object containing a signature, key ID, timestamp, and SHA-256 hash of the result for tamper-evident audit logs.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "iban"
     ],
     "properties": {
      "iban": {
       "type": "string",
       "description": "The IBAN to validate, e.g. FR7630006000011234567890189."
      },
      "attest": {
       "type": "string",
       "description": "Set to 1 for an Ed25519-signed attestation of the result (audit trail)."
      }
     },
     "description": "Query param `iban` (spaces tolerated, case-insensitive)."
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "valid",
      "country",
      "checkDigitsValid",
      "formatValid",
      "bban",
      "length"
     ],
     "properties": {
      "bban": {
       "type": "string",
       "description": "Basic Bank Account Number (the IBAN minus country + check digits)."
      },
      "valid": {
       "type": "boolean",
       "description": "formatValid AND checkDigitsValid."
      },
      "length": {
       "type": "integer"
      },
      "country": {
       "type": "string",
       "description": "ISO country code from the first two characters."
      },
      "bankCode": {
       "type": "string",
       "description": "Present for FR/DE/ES/IT/BE/NL."
      },
      "branchCode": {
       "type": "string"
      },
      "attestation": {
       "type": "object",
       "properties": {
        "alg": {
         "type": "string",
         "const": "Ed25519"
        },
        "sig": {
         "type": "string",
         "description": "base64url Ed25519 signature over the canonical JSON of payload."
        },
        "payload": {
         "type": "object",
         "properties": {
          "ts": {
           "type": "string",
           "format": "date-time"
          },
          "kid": {
           "type": "string",
           "description": "Key id — matches a key in the .well-known document."
          },
          "endpoint": {
           "type": "string"
          },
          "resultS
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "bban": "30006000011234567890189",
  "valid": true,
  "length": 27,
  "country": "FR",
  "bankCode": "30006",
  "branchCode": "00001",
  "formatValid": true,
  "accountNumber": "12345678901",
  "checkDigitsValid": true
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/402utils-iban-validator-ad8ea07a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from 402utils.com](https://www.zero.xyz/host/402utils.com/llms.txt)