# IBAN Validator MCP

> The IBAN Bank Validator MCP instantly verifies international bank account numbers using strict Modulus 97 checksum math and country format rules. Stop relying on AI models that guess; this tool guarantees structural and mathematical accuracy, preventing failed cross-border payments.

## Overview
- **Category:** developer-tools
- **Price:** Free
- **Tags:** iban, validation, checksum, payment-processing, banking, data-verification

## Description

Processing international transfers demands absolute precision. Standard large language models can't perform the complex arithmetic needed to validate an IBAN—they often guess the validity, causing expensive payment failures when dealing with platforms like Stripe or Wise. This MCP fixes that gap by bringing rigorous banking validation right to your agent's workflow.

It first checks if the account number matches the country’s required length and pattern. Then, it runs exact Modulus 97 checksum calculations locally. When you connect this MCP via Vinkius, your AI client doesn't just read text; it executes definitive math to tell you if an IBAN is structurally sound and mathematically correct for a transfer. You get the certainty needed before hitting 'send'.

## Tools

### validate_iban
Passes the full IBAN string, and the engine performs the Modulus 97 checksum calculation to verify its structural and mathematical validity.

## Prompt Examples

**Prompt:** 
```
Run the Modulus 97 math to verify if this European IBAN `GB82WEST12345698765432` is valid before we initiate the transfer.
```

**Response:** 
```
✅ **Validation Passed:** The IBAN checksum is mathematically correct and matches the GB length requirements.
```

**Prompt:** 
```
Extract the country code and sanitize this messy user input: ` FR 14 2004 1010 0505 0001 3M02 606 `.
```

**Response:** 
```
✅ **Sanitized:** `FR1420041010050500013M02606`
- **Country:** `FR` (France)
- **Validity:** True
```

**Prompt:** 
```
Ensure this IBAN `DE89370400440532013000` is structurally perfect.
```

**Response:** 
```
✅ **Status:** Valid.
```

## Capabilities

### Check mathematical validity
Runs precise Modulus 97 calculations across the full account number to confirm its checksum integrity.

### Verify international format rules
Checks if the provided IBAN meets the specific country-defined lengths and alphanumeric patterns.

### Validate payment readiness
Determines if an account is ready for a cross-border transaction based on combined mathematical and structural rules.

## Use Cases

### Onboarding new corporate clients
A B2B onboarding agent receives 50 client payment details. Instead of copying them into a spreadsheet for manual checking, it uses the MCP to run `validate_iban` on every single entry, instantly flagging all accounts that fail either the structural or mathematical rules.

### Processing large batches of payments
A payment system needs to route money globally. Before batch execution, it passes a list of IBANs through this MCP. The agent returns a segmented list: 'Ready for Send,' and 'Needs Correction (Math Failure/Format Error),' saving hours of manual reconciliation.

### Cleaning messy user input
A customer support agent receives an account number that looks like this: `FR 14 2004...`. Instead of asking the user to re-enter it, they pass it through the MCP, which sanitizes it and confirms its validity status.

### Building a compliance pipeline
A financial service builds an agent workflow that must confirm data integrity. The flow uses this MCP early on to guarantee that all account numbers meet both country format requirements and the necessary checksum calculations before any transaction logic runs.

## Benefits

- Avoid failed payments: Instead of relying on vague suggestions, the `validate_iban` tool runs precise Modulus 97 math to ensure the checksum is mathematically correct for international transfers.
- Guaranteed structure check: This MCP doesn't just guess. It first validates the country-specific length and alphanumeric pattern before doing any calculation, catching obvious data entry mistakes instantly.
- Universal compatibility: Connect this validator through Vinkius to your existing workflow—whether you use Claude for drafting or Cursor inside your IDE—and get reliable math results every time.
- Speed over guesswork: You eliminate the delay caused by having to manually cross-reference country standards and perform complex arithmetic calculations across multiple spreadsheets.
- Clean data input: The MCP ensures that even if a user inputs messy, spaced-out text, it can still determine the correct format and validity.

## How It Works

The bottom line is that you get an authoritative pass/fail result on any international bank account number, backed by precise math.

1. You give the MCP your full IBAN string, whether it's messy user input or clean data.
2. The MCP performs two checks: first, verifying the country code and overall format; second, running the definitive Modulus 97 checksum calculation.
3. Your agent receives a clear status: either passed (it's correct) or failed (tell me which part is wrong).

## Frequently Asked Questions

**Does IBAN Bank Validator help with SWIFT codes?**
No, this MCP focuses specifically on validating the International Bank Account Number (IBAN). While it verifies account structure, you'll need a separate tool for full SWIFT/BIC code validation.

**What is Modulus 97 math?**
Modulus 97 is a precise mathematical checksum algorithm used globally to verify that an IBAN is structurally and mathematically sound. This MCP executes this calculation accurately for you.

**Can I use the validate_iban tool in my custom Python script?**
Yes, by connecting your environment via Vinkius, your agent can execute `validate_iban` directly within your code workflow, treating it like a native function call.

**What happens if the IBAN is valid but for a different country?**
The MCP performs both format checking and checksum validation. If the structure or math doesn't match what's expected for that specific region, it will fail the check.

**Is this validator faster than manual checks?**
Significantly. Instead of manually referencing country rules and performing calculations, the MCP runs both structural and mathematical checks in a single, instantaneous operation.