Iceland IBAN validator
How the IBAN format works
- Format
- IS + 2 check digits + 22-digit bank/branch/account/national-ID number (26 chars)
- Example
- IS140159260076545510730339
Things to watch for
- 26 characters total, all numeric
- Includes the account holder's national ID (kennitala)
^IS[0-9]{2}[0-9]{22}$An Icelandic IBAN is 26 characters: “IS”, two check digits, and a 22-digit block that’s unlike any other country’s IBAN — it carries the bank and branch code, the account number, and the account holder’s kennitala (Iceland’s personal national ID number) all concatenated together in sequence. Nearly every other IBAN format stops at bank, branch, and account identifiers; Iceland’s is the one major exception that folds a personal identifier directly into the payment number itself, a quirk of how Icelandic banks structured domestic account records long before IBAN existed. Anyone paying an Icelandic supplier, sending money to family in Iceland, or handling an Icelandic IBAN in an invoice should be aware that the number itself carries more personal information than a typical IBAN.
How this validator works
This tool checks the “IS” prefix and confirms the trailing block is exactly 22 digits, then runs the real mod-97 checksum (ISO 7064) Icelandic banks use to generate a valid IBAN — entirely in your browser, nothing sent to a server, no signup, result as you type. It treats the 22-digit block as a single unit rather than parsing out where the bank code ends and the kennitala begins, since that boundary isn’t something a generic client-side checker can safely assume.
What a pass doesn’t tell you
A pass confirms the 26 characters are correctly formed and internally consistent — not that the account exists, is open, or belongs to whoever you expect, and not that the embedded kennitala is genuine or matches the payee. This tool does no bank-name lookup and never contacts the Central Bank of Iceland or any commercial bank. If an Icelandic IBAN fails, recheck the 22-digit block carefully, since it’s unusually long and a single transposed digit anywhere inside it — bank code, account number, or kennitala segment alike — will trip the checksum.
Scope: Icelandic IBAN structure and mod-97 checksum validation only — not payment processing, kennitala verification, bank-name resolution, or confirming an account is active, none of which a client-side check can establish. Use this validator to catch a typo before a transfer fails; use your bank to confirm the account itself.
Content last reviewed 2026-07-07.
IBAN FAQ
Why does an Icelandic IBAN contain a national ID number?
Iceland's 22-digit block after the check digits carries the bank/branch code, account number, and the account holder's kennitala (Iceland's national identification number) all concatenated together — a design unique among IBAN countries, most of which never embed personal identifiers in the IBAN itself.
Does that mean my Icelandic IBAN reveals personal information if I share it?
Yes, in a way most other IBANs don't: because the kennitala is embedded directly in the digits, sharing an Icelandic IBAN for a payment also discloses the account holder's national ID number. Handle Icelandic IBANs with the same care you'd give any personal identifier, not just a payment reference.
Does this tool verify that the embedded kennitala is real or matches the account holder?
No. This tool checks the IBAN's overall structure and mod-97 (ISO 7064) checksum only — it doesn't parse out or separately validate the kennitala segment, doesn't resolve the bank code to a bank name, and never contacts a bank or the Central Bank of Iceland.