# IBAN Format Validator (ISO 13616 / SEPA)

> IBAN Format Validator (ISO 13616 / SEPA) is a paid API for AI agents from x402-endpoints.onrender.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

Validates an IBAN string against ISO 13616 mod-97 rules, extracts structural components (country code, check digits, bank code), and returns grouped formatting — without checking actual account existence.

## Facts

- Endpoint: GET https://x402-endpoints.onrender.com/iban/validate
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/iban-format-validator-iso-13616-sepa-8038836f
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_fZE9udJMJa2Siy0YD5Vnx

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 iban-format-validator-iso-13616-sepa-8038836f
```

Example prompt: Can you check whether this IBAN is valid: DE89370400440532013000 — I need to know if it passes the ISO 13616 format check and what country and bank code it belongs to?

## When to prefer this

Use this endpoint when you need to structurally validate an IBAN before initiating a SEPA or EU payment, or when you need to extract country/bank codes from an IBAN string. Note: this checks format only (mod-97), not whether the account actually exists.

## Known failure modes

- Missing 'iban' query parameter returns an error
- Malformed IBAN string (wrong length, invalid characters) returns invalid with specific reason
- Unsupported country prefix may not extract bank code
- Network timeout from cold-start on Render free tier

## How this service works

IBAN format validation (ISO 13616 mod-97) — SEPA/EU IBAN structural validation and country/bank-code extraction. Returns valid/invalid with reason, country code, check digits, bank code and grouped formatting. Format check, NOT account existence. SEPA/EU coverage.

## Output

Returns a valid/invalid flag, the reason if invalid, extracted country code, check digits, bank code, and the IBAN reformatted in canonical grouped notation.

## 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",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "iban"
     ],
     "properties": {
      "iban": {
       "type": "string",
       "description": "IBAN to validate, e.g. 'FR1420041010050500013M02606'"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "iban": "FR1420041010050500013M02606",
  "valid": true,
  "cached": false,
  "reason": null,
  "source": "ISO 13616 mod-97 local validation (no external source)",
  "bank_code": "20041",
  "formatted": "FR14 2004 1010 0505 0001 3M02 606",
  "timestamp": "2026-06-25T12:00:00Z",
  "disclaimer": "FORMAT validation (structure + ISO 13616 checksum), NOT a check that the account exists.",
  "check_digits": "14",
  "country_code": "FR"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/iban-format-validator-iso-13616-sepa-8038836f/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402-endpoints.onrender.com](https://www.zero.xyz/host/x402-endpoints.onrender.com/llms.txt)