This is the very first and most important stage of verification that we perform.
Verification characters include two characters located in positions 3 and 4 in the IBAN.
The characters are calculated based on the MOD97 algorithm, and allow a first check of the correctness of the IBAN number.
This verification is supported in all 116 countries.

If an error occurs at this stage, we do not carry out further checks because The IBAN is obviously incorrect.

IBAN support in the country

Our system automatically checks whether it is possible to use an IBAN in the country specified in the code.
If an error occurs, the user will see a message stating that the IBAN is not used in the country.

This can only happen if you are using low quality software.

IBAN length

Checking the length of the IBAN code is the third step in checking the code you entered.
Each of the 116 countries has its own IBAN code length.

Possible test results:

IBAN length is correct for UK
In the country ***COUNTRY*** IBAN includes **N** characters

If the International Bank Account Number is different, it is considered incorrect.

Account Number Checksum (BBAN)

Any IBAN code includes an internal BBAN (Basic Bank Account Number) account number.
Some countries use additional characters to verify that the BBAN is correct.
Each country uses its own algorithm, and it may differ even for different bank branches.

• Great Britain (UK) uses 3 different algorithms: MOD10, MOD11 and DBLAL with 39 indicators. Thus, we have more than 100 variations
• Holland (NL) uses the MOD11 algorithm with various parameters to verify the account number. France (FR) uses MOD97 with various parameters
• Germany (DE) uses a complex structure based on 143 algorithms and parameters: MOD10, MOD11, MOD7, etc.
• Italy (IT) uses a modified MOD10 algorithm to check domestic bank accounts
• Sweden (SE) uses 5 different algorithms: MOD11 and MOD10 with different parameters

After all verification steps have been completed, the system will send one of the following results:

Correct account number checksum- You can use the number as it is correct.

Invalid account number checksum- You cannot use the number. Most likely it contains an error.

Account number does not support verification- Many countries and banks do not support account number verification. In this case, you should use verification characters to evaluate the IBAN.

Currently, 48 countries support BBAN and internal account number verification using verification characters.

IBAN format and structure

In the second step, we check the structure of the International Bank Account Number.
We know all the rules and requirements in each country that govern the use of IBAN.
This check may be useful if the country you select does not use verification characters.

This check may have the following results:

Correct IBAN format and structure!

Incorrect IBAN format and structure!

Formatting

Our algorithm allows you to determine IBAN formats in all 116 countries.

When checking the number format we take into account:

• Bank code position- allows you to determine the correct location of the bank identifier
• Branch code position- The branch code is not used in all countries. We check for 58 countries
• Position of test characters- Not used in all countries. We check for 58 countries

Structure

Structure checking involves checking the placement of special characters in different parts of the IBAN.
The framework is tested for 116 countries.

During the structure check we determine:

• The bank code contains only letters, only numbers, letters and numbers
• Branch code contains only letters, only numbers, letters and numbers
• The internal account number contains only letters, only numbers, letters and numbers

IBAN is an international bank account number. It is used in more than 70 countries around the world, and from July 4 it will be used in Belarus. It will consist of 28 characters - letters and numbers. And they will assign it to every account in a Belarusian bank and any other financial institution.

What is IBAN, why are we switching to it and what do ordinary citizens need to know? Komsomolskaya Pravda understood the nuances.

Why are we switching to IBAN?

Important: absolutely all accounts opened in Belarus are assigned an IBAN account number!

Banks in the European Union have been using IBAN since January 1, 2007, primarily for ease of settlement. If the client has an IBAN number, it means that the system can easily identify him, there are fewer operational risks, payment processing will be faster and without charging a commission.

Roughly speaking, now a Belarusian, in order to send a transfer to Germany, needs to pay a commission, and the money can take a week or a month. Having an IBAN number will make this much easier. The reverse process will also be simplified - a client from Germany will transfer money to a Belarusian partner faster if he provides the IBAN number assigned to his bank account.

From July 4, when transferring money both abroad and within the country, an account number in IBAN format will be required. The sender needs this number to transfer money.

How is the IBAN number different from the old account number?

The old bank number has 13 digits. New - 28. These are letters and numbers. They will look, for example, like this: BY13 NBRB 3600 9000 0000 2Z00 AB00.

How to find out your number IBAN?

Contact the bank. Some banks provide information about the new account format to customers via online banking or mobile banking.

You can also make a request for your new number through the service on the National Bank website. To do this, go to the “Payment system” section and select the “Switch to IBAN and BIC” tab. Next, select the name of the bank, account currency and enter the 13-digit number of your account. Click “Get” - and the system will show your new number in IBAN format.

Do I need to tell someone my new account number?

If you receive a salary, pension, scholarship, etc. on a bank card, then you do not need to provide a new number in IBAN format. Senders of money (employers, universities) will receive information about the new number from the bank themselves. But if you work under a contract, the employer will need to provide this new 28-digit number. It will also need to be communicated to the company or person who wants to send you money from abroad.

By the way, if enforcement proceedings have been initiated based on your application, then you should tell the enforcement authority about the new account number. This is necessary, for example, if you receive alimony.

How can I pay for the Internet, utilities and telephone now?

If you have constantly made payments through ERIP, Internet banking, mobile banking, then nothing will change for you - all recipient details will change automatically.

But if you made one-time payments and payments using bank details, you will have to manually enter the recipient’s account in the new IBAN format. That is, you need to make a payment, indicating new details (28-digit code), and save it.

In accordance with the Resolution of the National Bank of the Republic of Belarus dated July 27, 2015. No. 440 “On the structure of the account number”, from July 4, 2017, customer accounts opened in banks will change in the Republic of Belarus.

IBAN (International bank account number) - international bank account number. Used for international payments. Complies with ISO 13616 standards.

IBAN was initially used to simplify and speed up the processing of international payments in the European Union. Currently also used in non-EU countries.

International standards in accordance with which an international account in the IBAN format is formed:

• ISO 13616:2007 “Financial services. International bank account number (IBAN)“;
• ISO 7064:2003 “Information technology. Method of protecting the system of control signs";
• ISO 3166-1 alpha-2 “Country codes”.

Account structure

The new IBAN account number has a fixed length of twenty-eight digits and the following structure:

AABB CCCC DDDD EEEE EEEE EEEE EEEE where

• A.A.(1st - 2nd letter digits) - international code of the Republic of Belarus;
• BB(3rd - 4th digital digits) - control digital value calculated in the manner established by the regulatory documents of the National Bank of the Republic of Belarus;
• SSSS(5th - 8th alphanumeric digits) - the first four characters of the bank’s bank identification code;
• DDDD(9 - 12th digital digits) - balance sheet account according to the chart of accounts;
• EEEE EEEE EEEE EEEE(13th - 28th alphanumeric digits) - individual account numbering determined by banks.

Why do you need to know your account number in IBAN format?

From July 4, 2017, a new account number in the international IBAN format and a new bank identification code of Belgazprombank OJSC OLMPBY2X will be used when making interbank and international transfers (settlements).

How to find out the account number in IBAN format?

You can find out the new account number at the bank from your manager or by calling the single number 120 in the Contact Center.

Important!

Changing the account number format will not affect the functioning, maintenance and use of their accounts by clients.

About working with settlement documents

From July 4, 2017, settlement documents containing account numbers and bank identification codes valid before July 4, 2017 will not be accepted for execution (collection).

In accordance with Resolution of the Board of the National Bank of the Republic of Belarus No. 195 dated May 24, 2017, until July 4, 2017, it is necessary to submit to the payer’s bank applications for changing the account numbers and bank identification codes of banks serving beneficiaries to new account numbers of beneficiaries and new BICs of banks serving beneficiaries , according to the following documents:

• standing payment orders (if available at the bank)
• payment request without the payer’s acceptance for the collection of funds in an indisputable manner on the basis of enforcement documents of courts and notaries.

If, as of July 4, 2017, there are no applications from payers and collectors for changes in settlement documents located in card files, beneficiary account numbers and bank identification codes of banks serving beneficiaries, to new beneficiary account numbers and new BICs of banks serving beneficiaries no later than 5 July 2017:

• settlement documents on paper will be returned to the payer, the collector without execution;
• settlement documents in the form of an electronic settlement document will not be executed, and a corresponding email message will be sent.

Your bank information is safe as we do not store or view any data you entered.

To generate IBAN for account number in Belarus , type SWIFT/BIC Code, Branch Code, Account Number in the specified field in the IBAN Calculator below.

Make sure the length and value you enter, follow the format specified on the right of the field. Please omit any blanks or dash.

If your account number length is less than the specified length, insert zeros in front of the account number to get the right length.

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IBAN Calculator for Belarus

About IBAN Generation Tool

I BAN Generation tool is designed to create a valid International Bank Account Number (IBAN) base on Local Bank Code, Local Branch Code & Local Account Number base on the country the bank is located. The IBAN generator supports all SEPA countries and banks

The tool will check the length of the Local Bank Code, Local Branch Code & Local Account Number to confirm with the standard, calculate mathematical checksum and check IBAN structure in order to determine if the IBAN generated is valid.

Kindly take note that, these tools do not actually check if the IBAN is exist with the bank.

The tool is provided for informational purposes only. While every effort is made to provide accurate data, users must acknowledge that this website accepts no liability whatsoever with respect to its accuracy. Only your bank can confirm the correct bank account information. If you are making an important payment, which is time critical, we recommend to contact your bank first.

The picture is for illustrative purposes only

From July 4, 2017, new account numbers (IBAN) and new bank identification codes (BIC) will be used in the Belarusian payment system.

At the same time, the current 13-digit account numbers will change to 28-digit ones. IBAN numbers and BIC codes will be used for both domestic and international payments.

In this regard, the National Bank answered pressing questions regarding the transfer of bank accounts of individuals to the IBAN and BIC format, writes.

How are the new account numbers different?

New account numbers (IBAN accounts) have 28 alphanumeric digits. The new number will look like this (example): BY13 NBRB 3600 9000 0000 2Z00 AB00. The old account number has 13 digits.

Where will the IBAN of individuals be used?

From July 4, 2017, IBAN account numbers will be used when issuing payment instructions for transfers both within the republic and abroad. In this case, the payer must have information not only about his IBAN account number, but also about the recipient’s IBAN account number in order to issue a payment instruction for the transfer of funds in favor of recipients who are residents of the countries of the European Union and a number of other countries.

How to find out your IBAN?

You need to contact the servicing bank. Information about new accounts may also be available in remote services provided by banks (Internet banking, mobile banking). IBAN account numbers are assigned to all accounts that were opened before December 1, 2016. When opening accounts from December 1, 2016 to June 30, 2017, banks simultaneously assign existing (13-bit) accounts and new IBAN account numbers (28-bit) to clients. ).

Will it be necessary to make changes to agreements with banks?

Resolution of the Board of the National Bank dated October 23, 2015 No. 633 “On the prospects for the implementation of international standards in the payment system of the Republic of Belarus” determined that banks must analyze concluded agreements and take measures determined by the terms of the agreements to bring them into compliance with the law. Depending on how it is defined in the contract, there may be either an additional agreement or another procedure (for example, a public offer).

Is it necessary to tell someone your new account number in order to receive a salary, pension, scholarship, etc. on a bank payment card?

No, not required. If your salary at your main place of work, pension or scholarship is credited to a bank payment card, you do not need to know or tell anyone your new account number. As well as for making payments using this card.

However, if a citizen, for example, works under a contract, then in this case the new account number will need to be reported to the employer. Also, the recipient's account number in IBAN format must be reported to the sender in order to receive money from abroad.

In addition, individuals, upon whose application enforcement proceedings have been initiated, must contact the enforcement authority to inform the bailiff about new bank accounts to which, after July 4, 2017, funds collected from the debtor as part of enforcement proceedings should be sent.

Will the procedure for paying current bills (utilities, Internet, mobile phone, etc.) change?

The procedure for making current payments, including through ERIP and using Internet banking and mobile banking, will not change. However, if the client makes a one-time payment, during which it is necessary to indicate the account number and the bank of the recipient of the funds, then in this situation it will be necessary to indicate new details.

Do I need to change a standing payment order (RPPO)?

To change the details in the PDPP, individuals should contact banks before July 4, 2017 with an application to change the details. If the client does not submit an application to the servicing bank to change the details in the PDPP, the bank will stop executing such orders starting from July 4, 2017.

Is there a transition period when converting accounts to the IBAN format?

In accordance with the resolution of the Board of the National Bank dated May 24, 2017 No. 195, funds from international bank transfers received by clients in the period from July 4 to December 31, 2017 inclusive for crediting to old account numbers (valid before July 4, 2017), will be credited to the recipients' new account numbers.

Where should I go with questions about switching to IBAN account numbers?

For all questions regarding the transition to IBAN and BIC accounts, as well as the procedure for opening and using them in settlements, you must contact the servicing bank.

The “IBAN Calculator” service has appeared on the National Bank’s website. It allows business entities and citizens to determine online the number of the current (settlement) bank account of their counterparties in IBAN format.