# IBAN and BIC Checksum Validator MCP for AI Agents AI Agent Connect

> IBAN and BIC Checksum Validator ensures your international banking identifiers are mathematically and structurally correct. It uses the MOD-97 algorithm to verify IBAN integrity and enforces strict alphanumeric rules for BIC/SWIFT codes, preventing failed wire transfers and data entry errors in financial workflows.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_syMbsUAk2BpaEeKPVdQZR4HnNHXF79eyy8TOIEzb/ai-agent-connect
- **Tags:** iban, bic, swift, checksum, banking-validation

## Description

Handling international wire transfers or managing global vendor databases often involves a tedious dance of copying and pasting long strings of alphanumeric characters. One wrong digit in an IBAN or a typo in a BIC code can lead to rejected payments, delayed shipments, or hours of manual investigation to find where the data went wrong. This MCP changes that by giving your AI client the ability to act as a precise financial validator. Instead of you manually checking every character, your agent can instantly confirm if a banking identifier is mathematically sound or structurally valid. It handles the heavy lifting of the MOD-97 checksum and verifies that country-specific IBAN lengths are respected. By connecting this to your workflow through the Vinkius catalog, you turn your AI into a reliable gatekeeper for financial data, ensuring that every account number and SWIFT code you process meets strict international banking standards before you ever hit send.

## Tools

### get_validation_rules
Retrieves the required character lengths for IBANs based on the specific country. This helps your agent know exactly how long a code should be.

### validate_bic
Checks if a BIC/SWIFT code follows the correct structural format. It prevents typos in bank identifier codes.

### validate_iban
Runs the MOD-97 checksum to confirm an IBAN is mathematically correct. This catches errors in account numbers and country codes.

## Prompt Examples

**Prompt:** 
```
Is this IBAN valid: DE89370400440532013000?
```

**Response:** 
```
Yes, that is a **valid IBAN** for Germany.

**Details:**
* **Country:** Germany (DE)
* **Status:** Mathematically Correct
```

**Prompt:** 
```
Check if this BIC is correct: ABCDEFF1XXX
```

**Response:** 
```
Yes, the BIC code is **structurally valid**.

**Validation Summary:**
* **Format:** Correct alphanumeric structure
* **Status:** Passed
```

**Prompt:** 
```
What is the expected length for an IBAN in France?
```

**Response:** 
```
An IBAN for **France** must be exactly **27 characters** long.
```

## Capabilities

### Confirm IBAN mathematical accuracy
Your agent checks if an IBAN is valid using the MOD-97 checksum algorithm.

### Verify BIC structural integrity
The agent ensures BIC/SWIFT codes follow the required alphanumeric patterns.

### Check country-specific IBAN lengths
Your agent retrieves the exact expected character count for any specific country's IBAN.

### Prevent invalid banking data entry
The agent flags incorrect identifiers before they enter your financial systems.

## Use Cases

### Automated Vendor Onboarding
A finance manager uploads a list of new international vendors, and the agent uses validate_iban to flag any incorrect bank details before they are saved to the ERP.

### Bulk Payment Processing
An operations lead asks their agent to check a batch of 50 SWIFT codes using validate_bic to ensure the upcoming payroll run won't bounce.

### Data Cleaning for CRM
A sales ops specialist uses the agent to scrub a database of client banking info, using get_validation_rules to ensure all French IBANs meet the 27-character requirement.

### Real-time Payment Verification
A developer integrates this into a chat interface where users provide bank info, and the agent uses validate_iban to give immediate feedback on accuracy.

## Benefits

- Stop failed transfers by using validate_iban to catch mathematical errors in account numbers.
- Reduce manual data entry mistakes by having your agent use validate_bic to check SWIFT codes.
- Ensure country-specific compliance by calling get_validation_rules to verify IBAN lengths.
- Speed up vendor onboarding by automating the verification of global banking details.
- Eliminate the need to manually look up IBAN formats for different nations.

## How It Works

The bottom line is you get instant, mathematically certain validation for international banking codes.

1. Connect the MCP to your preferred AI client via Vinkius.
2. Provide the IBAN or BIC code you need to verify to your agent.
3. Receive an immediate confirmation of whether the identifier is valid or invalid.

## Frequently Asked Questions

**How can I use the IBAN and BIC Checksum Validator to prevent payment errors?**
You can have your AI agent check every bank identifier against the MOD-97 algorithm and structural rules before you process any payments, catching typos instantly.

**Does the IBAN and BIC Checksum Validator work for all countries?**
Yes, it can check the specific length requirements for various countries to ensure the IBANs you are using are formatted correctly for that region.

**Can I use the IBAN and BIC Checksum Validator to check SWIFT codes?**
Yes, the tool includes specific functionality to verify that BIC/SWIFT codes follow the correct structural rules.

**How does the IBAN and BIC Checksum Validator verify an IBAN?**
It uses the MOD-97 checksum method to perform a mathematical validation of the entire string to ensure it is a legitimate account identifier.

**Is the IBAN and BIC Checksum Validator compatible with my AI agent?**
Yes, as long as you are using an MCP-compatible client like Claude, Cursor, or Windsurf, you can connect this tool and start validating data immediately.

**How does the IBAN validation work?**
The `validate_iban` tool performs a MOD-97 checksum. It rearranges the IBAN, converts letters to numbers, and verifies that the remainder of the division by 97 is 1.

**Can I check the length requirements for a specific country?**
Yes, you can use `get_validation_rules` to find the required character length for an IBAN in a specific country code.

**What is the difference between IBAN and BIC?**
IBAN identifies a specific bank account, while BIC (or SWIFT) identifies the specific bank. You can validate both using `validate_iban` and `validate_bic` respectively.