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IBAN Verification: Understand who’s behind the bank account.

Verifying a user’s bank account is easy. Proving they own it is what really matters. IDnow IBAN Verification checks whether a provided IBAN belongs to the person submitting it – no open banking logins, no complex integrations, just a quick, document-based check that strengthens onboarding, boosts compliance, and shuts down fraud at the source.

Verify bank ownership in seconds.

Bank account verification is essential in sectors where financial risk and regulation go hand in hand — from fintech and payments to iGaming and telecoms.

Our solution extracts and verifies ownership data from official account documents like France’s Relevé d’Identité Bancaire (RIB), helping ensure the IBAN matches the user’s declared identity. It’s fast, fraud-resistant, and fully compliant with KYC and AML expectations.

Deploy trust, your way.

Automated self-service.

Our automated IBAN verification delivers fast, guided capture and instant results via web or mobile. AI analyzes structure, layout, and security features, while fraud signals trigger escalation when needed – keeping the experience smooth for genuine users.

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Expert-led verification.

For regulated flows or high-risk scenarios, our trained agents perform live checks and verify IBAN in real time. Agents are skilled at spotting edge-case fraud attempts and applying contextual checks – such as probing questions – to validate authenticity and intent.

What we analyze

Here’s how we verify IBAN ownership:

We extract key information such as the IBAN and BIC directly from RIB document and validate elements such as structure and formatting – ensuring it follows the correct national and international standards.

Reality Check: Fraud in Action

A user submits a document with a plausible IBAN — but the format doesn’t match any officially issued codes. It’s flagged immediately and blocked from proceeding.

Using the extracted name and IBAN, we check whether the account truly belongs to the individual claiming it. When the data aligns, we confirm the account is verified – no open banking login required.

Reality Check: Fraud in Action

A fraudster signs up with stolen ID details and enters their own IBAN. Our system detects the mismatch between the claimed identity and the account holder.

Optional advanced controls can check that the origin of the IBAN is correct and verify whether the document has been tampered with, manipulated, or generated fraudulently.

Reality Check: Fraud in Action

A user submits an RIB but we detect that the IBAN has been forged using a third party application.

Learn more about how we verify documents.

Discover more

Why businesses choose IDnow IBAN Verification:

  • Real-time IBAN verification with decision times in seconds
  • Superior customer user experience – low friction, seamless, with no user interaction required
  • Avoid high friction of open banking which requires user interaction and bank logins

From account details to trusted identities.

IDnow doesn’t just check if an IBAN looks right – it proves ownership, detects fraud, and gives you confidence that the right person is on the other side of the screen. Whether for KYC compliance, payout protection, or fraud prevention, IBAN Verification adds a crucial layer of trust to your onboarding flow.

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Built to work in your world.

Integrate IBAN Verification into your existing workflows with minimal effort. Whether you need an SDK, an API, or orchestration through the IDnow Identity Trust Platform, we provide scalable, privacy-first identity checks that meet the needs of modern digital businesses. 

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Don’t just check the IBAN – prove who owns it.
See how we help verify IBAN with real trust.

IBANs are more than payment details – they’re powerful proof points of real identity. With IDnow, you can verify account ownership confidently, block fraud before it starts, and keep your onboarding flows fast, compliant, and secure.

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