KitebillIBAN checker and payment details for your invoice
A wrong digit in your bank details can hold up or bounce a payment. Check your IBAN, SWIFT/BIC, US routing number or UK sort code for typing mistakes, then get a clean "How to pay" block to paste into your invoice. Nothing you type leaves your browser.
Your payment details
Type your IBAN or other details on the left. Each one is checked as you type.
Use it on an invoice opens the free invoice generator with this block in "How to pay". It travels in the part of the link after #, which browsers don't send to any server. In the Kitebill app, paste it once into Settings → How to pay and it prints on every invoice.
Already have payment details? Paste them to check
Paste the "How to pay" text from an old invoice, your email signature or your notes. Every IBAN in it is checked, and so are SWIFT/BIC codes written after "SWIFT" or "BIC", US routing numbers after "routing" or "ABA", and UK sort codes after "sort code". Nothing is stored or sent.
What the checks catch, and what they can't
- IBAN: the country code, the length for that country, the shape of the bank part for common countries (Pakistan, the UAE, Saudi Arabia, Qatar, Bahrain, Kuwait, Oman, Jordan, Egypt, Turkey, the UK, Ireland and several EU countries), and the two check digits. The check digits use ISO 7064 mod 97, which catches every single wrong character and almost every swap of two characters (how IBAN check digits work). Lengths for all 89 IBAN countries come from the SWIFT IBAN registry (release of December 2024, as listed on Wikipedia; checked 19 October 2026).
- SWIFT/BIC: the shape only: 4 letters for the bank, 2 for the country, 2 for the location, and an optional 3 for the branch. It warns when the BIC's country doesn't match the IBAN's, and for UK, Irish, Dutch and Pakistani accounts when the bank code in the IBAN isn't the start of the BIC. It can't look up whether the code is real.
- US routing number: 9 digits whose last digit matches the other 8 (the 3-7-1 check, explained here). Some banks give a different routing number for wires than for ACH transfers, so use the one your bank or provider shows for the payment your client will make.
- UK sort code and account number: 6 and 8 digits. The page doesn't run the UK banks' own account-number checks.
None of these checks can tell whether an account exists or whose name it is in. Copy your details from your banking app or a statement rather than typing them from memory.
What to put on the invoice
| Client pays by | What they need from you |
|---|---|
| International bank transfer (SWIFT) | Account title exactly as the bank has it, bank name, IBAN (or account number where IBANs aren't used), SWIFT/BIC. Some banks also ask for the bank's address. |
| Transfer inside Pakistan | Account title, bank name and the 24-character IBAN starting PK (see iban.pk). |
| Transfer inside the UAE | Account name, bank name and the 23-character IBAN starting AE. |
| US bank transfer (ACH or wire) | Account holder, bank name, routing number, account number and account type (checking or savings). This also applies to US receiving accounts from payout services: copy them exactly as your provider shows them. |
| UK bank transfer | Account holder, sort code and 8-digit account number. Payers abroad need your IBAN and BIC instead. |
| Payoneer, Wise or PayPal | The email address (or payment link) the client should pay, and who covers the fees. Check what lands after fees with the payout fee calculator. |
Give one or two ways to pay, not six: the client has to pick one, and every extra option is another place for a mistake. Ask for the invoice number as the payment reference, so you can match the money to the invoice when it arrives.
Who pays the bank charges?
An international transfer can pass through more than one bank, and each may take a fee, so less than the invoice amount can arrive. On a SWIFT transfer the sender usually chooses OUR (the sender pays all charges), SHA (each side pays its own bank) or BEN (the receiver pays). If you need the full amount, say so on the invoice; the "Transfer fees" option above adds a line for it.
Changing your bank details safely
Fraudsters send fake emails that announce "new bank details" so a client pays them instead (the UK's Action Fraud calls it mandate fraud and advises checking any change through known contact details). If you change accounts, tell clients in a way they already trust, and expect a careful client to confirm by phone or another channel before paying a new account. If a client gets a change request that didn't come from you, tell them not to pay it.
Save it once in the app
In the free Kitebill app, paste the block into Settings → How to pay; the app runs the same typo checks there as you type. It then prints under "How to pay" on every invoice you make, in English or with Arabic or Urdu labels, and your data stays in your browser. Free for 3 clients and 10 invoices; Pro is US$29 once for unlimited.
Making a single invoice now? The free invoice generator and proforma invoice generator both have a "How to pay" box for this block, and it runs the same typo checks as you type (so do the statement generator, the payment reminder email and the recurring invoice schedule).
This page checks the format of what you type. It is not financial or legal advice, and a pass doesn't guarantee a payment will arrive.
More free tools
Questions
How do I check that an IBAN is correct?
Type or paste it into the checker on this page. It checks the country code, that the length is right for that country (24 characters for Pakistan, 23 for the UAE, 22 for the UK and Germany), the format of the bank part for common countries, and the two check digits, which catch a single wrong character and almost every swap of two characters. Spaces and lower case are fine; they are removed before checking.
Does a valid IBAN mean the account exists and is mine?
No. A pass means the number is well-formed and has no typing mistake the check digits can detect. It cannot tell whether the account is open, which name it is in, or whether it is yours. Copy your IBAN from your banking app or a bank statement, and if in doubt ask your bank.
What does a Pakistani IBAN look like?
PK, then 2 check digits, a 4-letter bank code and 16 letters or digits: 24 characters in all, for example PK36 SCBL 0000 0011 2345 6702 (a made-up example account). For payments from abroad, also give the account title exactly as the bank has it, the bank name and the bank’s SWIFT/BIC code.
Do US bank accounts have an IBAN?
No. US banks use a 9-digit routing number (ABA) and an account number instead, and so do US receiving accounts from payout services. Canada, Australia, New Zealand and India don’t use IBANs either. Clients paying from abroad usually also need the bank’s SWIFT/BIC code.
Is it safe to type my bank details here?
Everything happens in your browser. The page stores nothing (no cookies, no local storage), sends nothing, and makes no requests to other sites; you could switch off your internet after it loads and it would still work. Close the tab and the details are gone.
Can I save my payment details in Kitebill?
Yes. In the free Kitebill app, paste them into Settings → How to pay once, and they print on every invoice under "How to pay". They stay in your browser like the rest of your data. The free plan covers 3 clients and 10 invoices; Pro is US$29 once.