# IBAN.com MCP > IBAN.com helps your AI agent audit international payment data and financial codes instantly. Validate IBANs, check SWIFT/BIC routing numbers, calculate bank account identifiers from local details, and verify credit card formats using industry algorithms. ## Overview - **Category:** data-management - **Price:** Free - **Tags:** iban-validation, swift-codes, account-verification, payment-intelligence, financial-auditing, bank-metadata ## Description Handling global payments means dealing with complex rules for banking codes. This MCP lets you bypass manual lookups entirely. Your agent acts like a real-time financial analyst, instantly checking if an IBAN is valid or retrieving detailed bank metadata, all without opening a single web portal. Need to verify international routing numbers? You can audit SWIFT/BIC codes against global standards right within your chat window. If you're setting up cross-border payments, the agent even calculates necessary IBANs from basic local account details. It’s about getting accurate data and compliance checks done instantly, letting your AI client handle the heavy lifting so you don't have to worry about payment errors or incomplete metadata. ## Tools ### calculate_iban Creates a full IBAN code when provided with local account and sort code information. ### get_api_balance Checks how many API calls you have remaining for the current billing cycle. ### get_bank_details Retrieves detailed banking information, such as branch names and city codes, from a given IBAN. ### validate_card_luhn Confirms if a credit card number follows the correct mathematical structure using the Luhn algorithm. ### validate_iban Checks if an international bank account number is valid and returns associated metadata. ### validate_swift_bic Verifies the format and existence of a global SWIFT/BIC banking code. ## Prompt Examples **Prompt:** ``` Validate the IBAN 'DE12345678901234567890' using IBAN.com. ``` **Response:** ``` IBAN validated! The code is valid and corresponds to Deutsche Bank in Germany. I've retrieved the branch details and SWIFT code. Would you like to check the BIC status as well? ``` **Prompt:** ``` Check the SWIFT/BIC code 'CHASUS33'. ``` **Response:** ``` I've verified the SWIFT/BIC code. It is valid and identifies J.P. Morgan Chase Bank in the United States. I can provide the associated bank address and city if you'd like. ``` **Prompt:** ``` Calculate the IBAN for a UK account with number 12345678 and sort code 10-20-30. ``` **Response:** ``` Calculation complete! The resulting IBAN for those details is identified. I've also retrieved the bank name associated with that sort code. Would you like the direct validation results? ``` ## Capabilities ### Validate International Bank Codes Check if a provided IBAN is legitimate and fetch associated bank details like branch or city. ### Audit Global Routing Numbers Verify the authenticity of SWIFT/BIC codes to ensure proper global routing. ### Calculate IBANs from Local Data Generate a full, correct IBAN format using only local account numbers and sort codes. ### Validate Payment Card Numbers Run common credit card numbers through the Luhn algorithm to ensure data integrity for records. ### Monitor API Usage Check your remaining quota and usage metrics to manage research volume costs. ## Use Cases ### Onboarding a new international vendor A due diligence specialist needs to confirm if the payment details provided by a new vendor are accurate. They ask their agent to run `validate_iban` on the full bank account number, which immediately tells them if the code is valid and provides the required branch metadata. ### Processing payments from raw local data An accounts payable clerk receives a list of payment requests that only include a sort code and an account number. They ask their agent to use `calculate_iban` so they can build the full, compliant IBAN for every record before running it through `validate_iban`. ### Checking wire transfer instructions A treasury analyst is setting up a payment and needs to confirm the routing code. They ask their agent to use `validate_swift_bic` on the bank's SWIFT/BIC, confirming it exists globally before initiating any funds movement. ### Auditing stored customer records A compliance officer needs to check if a batch of stored credit card numbers are formatted correctly. They ask their agent to run `validate_card_luhn` on the entire list, flagging any number that fails the basic algorithm. ## Benefits - Avoid payment errors by validating codes instantly. The `validate_iban` tool confirms if an international bank account number is valid and fetches all associated metadata. - Maintain compliance rigor using the MCP. You can validate credit card numbers with `validate_card_luhn`, ensuring every recorded payment credential meets industry standards. - Speed up cross-border payments by automatically generating full details. Use `calculate_iban` to build a correct IBAN when given only local account information. - Verify global routing paths quickly. The MCP allows you to run the `validate_swift_bic` tool, confirming if a SWIFT/BIC code is legitimate before sending any funds. - Gain deep insight into bank structures. If you know an IBAN, `get_bank_details` pulls out specific information like branch names and city codes for your records. ## How It Works The bottom line is that you get instant banking intelligence by letting your AI client speak directly to global financial databases. 1. First, subscribe to this MCP and provide the required IBAN.com API Key. 2. Next, prompt your AI client with a task—for example, asking it to audit a specific SWIFT code or validate an IBAN. 3. Finally, your agent runs the check against the platform and delivers verified metadata, status confirmation, or calculated codes directly. ## Frequently Asked Questions **How do I validate a new IBAN using the IBAN.com MCP?** You use the `validate_iban` tool directly in your prompt, providing the full code you need to check. The agent returns a definitive yes/no answer and related bank metadata. **Can I calculate an IBAN if I only have local details?** Yes, use the `calculate_iban` tool. It takes your local account number and sort code and generates a fully structured and valid IBAN for you to use. **Is this MCP useful for checking SWIFT codes?** Absolutely. The `validate_swift_bic` tool is designed specifically for that, confirming the existence and format of global routing numbers. **What does `get_bank_details` provide?** `get_bank_details` takes a valid IBAN and returns rich information associated with it, such as the bank's city or branch name. It’s more than just validation. **Is this MCP suitable for checking credit card numbers?** Yes. You use the `validate_card_luhn` tool to check if a given sequence of digits passes the standard Luhn algorithm test, confirming data integrity.