# IBAN Bank Validator MCP for AI Agents AI Agent Connect > IBAN Bank Validator validates international bank accounts instantly using Modulus 97 checksums. It prevents failed transactions by verifying structural and mathematical accuracy before you initiate payments. This Connector ensures your AI client doesn't guess on bank data. ## Overview - **Category:** developer-tools - **Price:** Free - **Endpoint:** https://edge.vinkius.com/vk_preview_rcTsPWlHMr6z0GgJBOAdtSfQq3Ikm15MNwrTzSzZ/ai-agent-connect - **Tags:** iban, validation, checksum, payment-processing, banking, data-verification ## Description The IBAN Bank Validator MCP handles the complex math required to verify international bank accounts. LLMs are notoriously bad at math. If you ask an AI to verify a 34-character IBAN, it might just tell you it looks correct because it recognizes the pattern. It won't actually run the Modulus 97 arithmetic required to prove it. This Connector handles that specific math at the edge. When you connect this to your workflow through Vinkius, your agent stops guessing and starts verifying. It checks the country-specific length and the alphanumeric patterns first, then runs the checksum. This means fewer bounced payments and less manual cleanup for your team. You don't have to worry about the agent making up a valid status on a fake account. Instead, the agent gets a hard pass or fail based on real banking rules. It's the difference between a maybe and a yes when you're moving money across borders. It takes the guesswork out of international payments. By using this Connector, your agent can catch those mistakes before they happen. It validates the account structure against specific country rules before the math even starts. It's a simple, reliable way to add a layer of banking-grade precision to your AI-driven financial tools. ## Tools ### validate_iban The validate_iban tool performs a Modulus 97 checksum calculation to check if a bank account is structurally correct. This prevents your agent from attempting to send money to an invalid destination. ## Prompt Examples **Prompt:** ``` Is this IBAN valid: FR1420041010050500013M02606? ``` **Response:** ``` I've checked that IBAN. It is mathematically valid and matches the required format for France. **Status:** ✅ Valid ``` **Prompt:** ``` Check if GB82WEST12345698765432 is a real bank account. ``` **Response:** ``` The checksum for that GB IBAN is correct. It's ready for a transfer. **Validation Result:** Passed ``` **Prompt:** ``` Verify this IBAN: DE89370400440532013000 ``` **Response:** ``` That German IBAN passed the Modulus 97 check. It's structurally sound. **Status:** ✅ Valid ``` ## Capabilities ### Check Modulus 97 checksums The Connector runs the exact mathematical calculation required to prove an IBAN is valid. ### Verify country-specific lengths It checks if the account number matches the required character count for its specific country. ### Validate alphanumeric patterns The tool ensures the string follows the correct sequence of letters and numbers. ### Sanitize messy user inputs It strips out spaces and formatting errors from raw user text before validation. ### Prevent failed international payouts It stops incorrect bank data from being sent to payment processors like Wise or Stripe. ## Use Cases ### Sanitizing user-entered bank details A customer enters an IBAN with spaces and dashes. Your agent uses the Connector to strip the noise and verify the math in one step. ### Automated refund processing A merchant needs to issue a refund. The agent checks the destination IBAN to ensure the payout won't bounce before initiating the transfer. ### Bulk payment file validation An accountant uploads a list of 500 accounts. The agent iterates through them using validate_iban to flag any mathematically invalid entries. ### Onboarding new international clients A fintech startup lets users add bank accounts. The agent provides real-time confirmation that the IBAN is structurally sound. ## Benefits - Stop failed payouts by using validate_iban to catch math errors before they hit the wire. - Reduce manual data entry errors by letting your agent verify bank details as users type them. - Handle various country formats automatically because the Connector knows the specific lengths for each nation. - Improve customer trust by providing instant feedback on whether their bank details are correct. - Clean up messy user input by stripping out spaces and extra characters before running the validation. ## How It Works The bottom line is your agent gets a mathematically verified pass or fail on bank accounts before any money moves. 1. Provide the agent with a raw IBAN string from a user or database. 2. The agent calls the validation tool to run the Modulus 97 checksum and format check. 3. The agent receives a clear pass or fail result to decide whether to proceed with the transaction. ## Frequently Asked Questions **Can the IBAN Bank Validator help stop failed international payments?** Yes, it prevents failed payouts by running a Modulus 97 checksum. This catches math errors before the transaction is initiated. **How does the IBAN Bank Validator check for math errors in bank accounts?** It performs the exact arithmetic required to verify the checksum. This ensures the account is mathematically valid. **Can I use the IBAN Bank Validator to clean up messy bank details?** Yes, it can help sanitize input by removing spaces and extra characters. This makes it easier for the AI to process user data. **Does the IBAN Bank Validator work for all different countries?** Yes, it verifies country-specific lengths and patterns. This covers the standard formats used across different nations. **How does the IBAN Bank Validator improve my payment processing?** It adds a layer of precision to your workflow. By verifying the IBAN first, you reduce manual cleanup and transaction bounces. **What happens if a user enters an invalid IBAN with the IBAN Bank Validator?** The agent will receive a clear failure message. You can then ask the user to double-check their details before trying again. **Does it connect to banks?** No, it purely validates the mathematical checksum of the IBAN structure. **Is it secure?** Yes, 100% local evaluation. No data is transmitted. **What countries are supported?** All official SEPA and international countries that use the standard IBAN format.