Privacy First: Card & IBAN validation runs entirely in your browser — no data is ever sent to our servers.
CardValidatorPro

Free financial validation tools for developers, fraud analysts, and payment professionals. BIN lookup, card validation, IBAN checker, SWIFT code lookup, UK sort code checker, and US routing number lookup — all in one place.

No signup required. No card data stored. All validation runs client-side in your browser.

🔍 372,000+ BIN codes
🌐 112,165 SWIFT codes
🏛️ 19,500 US routing numbers
🇬🇧 9,272 UK sort codes
🌍 80+ IBAN countries
⚠️ Never enter real, active card numbers. Use official test card numbers only.
💳
Credit Card Validator & BIN Lookup ⓘ
Validate card numbers using the Luhn algorithm and instantly identify the issuing bank, card network, card type (credit, debit, prepaid), and country of issue from the BIN prefix.
Privacy: Validation is 100% local — no card data leaves your browser.
Warning: Only use official test numbers (e.g. Stripe, PayPal test cards).
Disclaimer: Passing the Luhn check does not mean the card is active or authorized.
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IBAN Validator
Validate International Bank Account Numbers across 80+ countries. Checks country code, expected length, and performs a full mod-97 checksum — entirely in your browser.
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IBAN Details
COUNTRY
—
CODE
—
EXPECTED LEN
—
ENTERED LEN
—
FORMATTED
—
Checks: Country code, length, and mod-97 checksum — entirely in-browser.
Note: Format validity does not confirm the account exists or is active.
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SWIFT / BIC Lookup
Find bank institution details by SWIFT/BIC code. Our database covers 112,165 SWIFT codes across 192 countries for international wire transfer verification.
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SWIFT / BIC Details
SWIFT CODE
—
BANK
—
BRANCH
—
CITY
—
COUNTRY
—
Note: SWIFT codes are 8 or 11 characters. The first 4 letters identify the bank, next 2 the country.
Privacy: We do not store what you enter.
🏛️
US Routing Number
Validate ABA routing numbers using the official Federal Reserve checksum. Bank lookup powered by 19,500 verified US routing numbers from Federal Reserve data.
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Checksum: ABA routing numbers use a weighted mod-10 checksum — validated locally in your browser.
Bank lookup: Powered by Federal Reserve data via a Cloudflare Worker — only the routing number is sent.
Note: Valid checksum confirms format only, not that the account is active.
🇬🇧
Sort Code Checker
Validate UK sort codes and look up bank and branch details. Covers major UK banks including Barclays, HSBC, Lloyds, NatWest, Halifax, and more.
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Sort Code Info
FORMAT
XX-XX-XX
BANK
—
BRANCH
—
CITY
—
POSTCODE
—
Note: Format is validated locally. Bank lookup contacts an external service (sort code prefix only).
Privacy: We do not store what you enter.
Technical Details

How the Validation Works

🔢
Luhn Algorithm
Card number validity is checked using the Luhn checksum — a mathematical formula invented by IBM scientist Hans Peter Luhn in 1954. It works by doubling every second digit from the right, summing all digits, and checking if the total is divisible by 10. It catches the majority of single-digit transcription errors and accidental digit transpositions. The entire check runs in your browser with zero network calls.
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BIN / IIN Lookup
The first 6 to 8 digits of any payment card number form the Bank Identification Number (BIN), also known as the Issuer Identification Number (IIN). This prefix uniquely identifies the card network, the issuing financial institution, the card type, and the country of issue. Only this prefix is sent to our lookup service via a secure Cloudflare Worker — your full card number never leaves your device and is never transmitted anywhere.
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IBAN Checksum
IBAN validation uses the ISO 13616 mod-97 standard. The algorithm rearranges the IBAN by moving the first four characters to the end, converts each letter to a two-digit number (A=10, B=11, etc.), and checks that the resulting number gives a remainder of 1 when divided by 97. This modular arithmetic check is performed entirely in your browser using BigInt arithmetic for precision — no data is transmitted externally.
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ABA Routing Checksum
US ABA routing numbers use a weighted mod-10 checksum defined by the American Bankers Association. The algorithm multiplies each of the 9 digits by a repeating weight sequence of 3, 7, and 1, sums the products, and checks that the total is divisible by 10. Format validation is done locally in the browser. Bank name lookup is performed via a Cloudflare Worker querying Federal Reserve data — only the routing number is transmitted.
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SWIFT Code Structure
A SWIFT code (also called a BIC — Bank Identifier Code) is an 8 or 11 character alphanumeric code structured as: 4-letter bank code, 2-letter country code, 2-character location code, and an optional 3-character branch code. The structure is defined by ISO 9362. Our lookup queries a database of 112,165 SWIFT codes sourced from verified international banking registries, covering institutions across 192 countries.
🇬🇧
UK Sort Code System
UK sort codes are 6-digit numbers formatted as XX-XX-XX that uniquely identify a bank and branch within the UK banking system. The first two digits identify the bank group, the remaining four identify the specific branch. Sort codes are used to route Faster Payments, BACS Direct Debits, CHAPS transfers, and cheque clearing. Our database covers the major UK clearing banks and building societies.
Popular BIN Lookups
434255 453212 601100 378282 555555 520082
About This Platform

What is CardValidator Pro?

CardValidator Pro is a free, privacy-first suite of financial validation tools built for developers, fraud analysts, payment engineers, and fintech professionals. Every tool on this platform runs validation logic directly in your browser — meaning your sensitive financial data never touches our servers.

Whether you need to verify a credit card number using the Luhn algorithm, identify a card's issuing bank via BIN lookup, validate an international bank account with our IBAN validator, or look up a SWIFT code for an international wire transfer — you can do all of it here, instantly, for free.

Our BIN database contains over 372,000 BIN entries covering Visa, Mastercard, American Express, Discover, JCB, UnionPay, Diners Club, Maestro, RuPay, and more across 192 countries. Our SWIFT code database covers 112,165 codes sourced from official banking registries. US routing number data is drawn directly from the Federal Reserve's FedACH directory, covering 19,500 financial institutions.

Our Tools

Six Powerful Validation Tools, One Platform

Each tool is purpose-built for a specific type of financial validation. Here is what each one does and when to use it.

💳 BIN Lookup & Card Validator 372,000+ BINs
Enter any credit or debit card number to validate it using the Luhn algorithm and instantly look up the issuing bank, card network, card type (credit, debit, prepaid), card level (standard, gold, platinum), and the country of issue. Supports Visa, Mastercard, Amex, Discover, JCB, UnionPay, and Diners Club.
🏦 IBAN Validator 80+ countries
Validate International Bank Account Numbers against the ISO 13616 standard. Checks the country code, verifies the expected length for that country, and performs the official mod-97 checksum calculation — all client-side. Supports over 80 countries including all EU members, UK, Switzerland, and Middle East.
🌍 SWIFT / BIC Code Lookup 112,165 codes
Look up any SWIFT or BIC code to find the associated bank name, branch, city, and country. Essential for verifying international wire transfer destinations. Our database covers financial institutions across 192 countries and is sourced from verified international banking registries.
🏛️ US Routing Number Lookup 19,500 banks
Validate US ABA routing numbers using the official Federal Reserve weighted mod-10 checksum algorithm. Look up the associated bank name, address, city, state, and phone number. Data is sourced directly from the Federal Reserve's FedACH directory, covering all major US banks and credit unions.
🇬🇧 UK Sort Code Checker 9,272 codes
Validate UK sort codes in XX-XX-XX format and look up the associated bank and branch details including city and postcode. Covers all major UK banking institutions including Barclays, HSBC, Lloyds, NatWest, Halifax, Santander, and more. Used for verifying BACS, Faster Payments, and CHAPS transactions.
🔍 Free BIN Lookup All networks
Look up any 6-digit BIN number directly without needing to enter a full card number. Instantly returns the card network, issuing bank, card type, card level, and issuing country. Useful for fraud analysis, payment routing decisions, and fintech development and testing workflows.
Real-World Applications

Who Uses These Tools and Why

CardValidator Pro is built for professionals who work with payment data every day. Here are the most common use cases across different roles and industries.

🛡️ Fraud Detection & Prevention
Fraud analysts use BIN lookup to detect mismatches between the card-issuing country and the shipping address or IP location. A card issued in Germany processing a transaction in Pakistan is a common fraud signal. BIN data also helps flag high-risk card types such as prepaid cards on restricted product categories.
⚙️ Payment Gateway Development
Developers building payment gateways use BIN lookup to auto-detect card types, display the correct card network logo, apply surcharges for credit versus debit, and route transactions to the optimal processor. IBAN and routing number validation prevents failed payments caused by incorrectly formatted account details before submission.
🌐 International Wire Transfers
Finance teams use SWIFT code lookup to verify beneficiary bank details before initiating international wire transfers. An incorrect SWIFT code can result in payments being returned or sent to the wrong institution. Our database of 112,165 codes covers correspondent banks across 192 countries.
💻 Fintech Testing & QA
QA engineers use card validation and BIN lookup tools during development and testing to verify that payment processing logic correctly handles different card types, networks, and edge cases. Using our tools with official test card numbers from Stripe, PayPal, or Braintree allows thorough testing without touching real card data.
🏦 Banking & Compliance
Compliance teams use routing number validation and IBAN checking to verify beneficiary account details as part of KYC and AML workflows. Validating account details before processing reduces the risk of misdirected payments and helps meet regulatory requirements for payment accuracy.
🛒 E-Commerce & SaaS Platforms
E-commerce platforms use BIN lookup to improve checkout by automatically detecting card type as the user types, showing the correct card logo, and validating the card number format before submission. This reduces checkout abandonment caused by confusing error messages and improves conversion rates.
Data Transparency

Our Dataset — Built for Accuracy at Scale

CardValidator Pro maintains one of the most comprehensive free financial validation datasets available. Our data is sourced from official and community-verified financial registries and updated regularly to maintain accuracy.

372,000+
BIN / IIN entries across all major card networks
Visa · MC · Amex · Discover · JCB · UnionPay · RuPay
112,165
SWIFT / BIC codes across 192 countries
International banking registries
19,500
US ABA routing numbers verified
Federal Reserve FedACH directory
9,272
UK sort codes with bank & branch data
UK payment scheme directories

All BIN lookups and routing number data are served via Cloudflare Workers and KV storage — a globally distributed edge network with sub-50ms response times in most regions. Only the minimum necessary data (the BIN prefix or routing number) is ever transmitted to our lookup service. No personal card data, account numbers, or full card numbers are ever sent to or stored on our servers.

Frequently Asked Questions

Common Questions About Card & Bank Validation

What is a BIN number and what does it tell you?⌄
A BIN (Bank Identification Number), also called an IIN (Issuer Identification Number), is the first 6 to 8 digits of any credit or debit card number. It identifies the card network (Visa, Mastercard, Amex, Discover, etc.), the issuing bank, the card type (credit, debit, or prepaid), the card level (standard, gold, platinum, world, infinite), and the country where the card was issued. BIN data is used in fraud detection, payment routing, checkout UX optimisation, and fintech development. Learn more at our What is a BIN Number guide.
Is it safe to use this tool with my card number?⌄
CardValidator Pro runs the Luhn algorithm card validation entirely in your browser — no card number data is ever sent to any server. For BIN lookup, only the first 6 digits (the BIN prefix) are transmitted to identify the issuing bank — never the full card number. We strongly recommend using only official test card numbers from payment providers like Stripe, PayPal, or Braintree when testing. Never enter a real, active card number into any online tool including this one.
What is an IBAN and how does IBAN validation work?⌄
An IBAN (International Bank Account Number) is a standardised alphanumeric code used to identify bank accounts internationally, defined by the ISO 13616 standard. It begins with a 2-letter country code, followed by 2 check digits, and then the domestic account number. Our IBAN validator checks three things: the country code is recognised, the length matches the expected length for that country, and the mod-97 checksum is correct. Learn more at our What is an IBAN guide.
What is a SWIFT code and when do I need one?⌄
A SWIFT code (also known as a BIC — Bank Identifier Code) is an 8 or 11 character alphanumeric code that uniquely identifies a financial institution for international wire transfers. You need a SWIFT code whenever you are sending or receiving money internationally. The first 4 characters identify the bank, characters 5-6 identify the country, characters 7-8 identify the location, and the optional characters 9-11 identify a specific branch. Our SWIFT code lookup covers 112,165 codes across 192 countries.
What is a UK sort code and what does XX-XX-XX mean?⌄
A UK sort code is a 6-digit number formatted as three pairs of digits (XX-XX-XX) that identifies a specific bank and branch within the United Kingdom's banking system. The first two digits typically identify the bank group (for example, 20 is Barclays, 40 is HSBC, 30 is Lloyds). Sort codes are used for all domestic UK bank transfers including Faster Payments, BACS Direct Debits, CHAPS high-value transfers, and cheque clearing. Learn more at our What is a Sort Code guide.
Does passing the Luhn check mean a card is valid and active?⌄
No. The Luhn algorithm only validates the mathematical format of a card number — it checks that the digits follow the correct checksum pattern. A card number can pass the Luhn check and still be invalid in the real world: it could belong to a cancelled account, be expired, have insufficient funds, or simply not exist as an active card. The Luhn check is designed to catch accidental input errors and typos, not to confirm that a card is live and authorised for a transaction.
Are all the tools completely free?⌄
Yes, all tools on CardValidator Pro are completely free to use with no account required. You can perform BIN lookups, card validation, IBAN checks, SWIFT code lookups, sort code validation, and routing number lookups at no cost. There are fair-use rate limits on the lookup tools to prevent abuse and ensure good performance for all users.
// Resources & Guides
Tools
BIN Checker Credit Card Validator Free BIN Lookup UK Sort Code Lookup IBAN Validator Routing Number Lookup SWIFT Code Lookup
Card Networks
Visa BIN Checker Mastercard BIN Lookup Amex BIN Lookup Discover BIN Lookup JCB BIN Lookup UnionPay BIN Lookup Diners Club BIN Lookup
Learn
What is a BIN Number? What is a Sort Code? What is an IBAN? What is a Routing Number? What is a SWIFT Code? Visa Card Types Mastercard Card Types How BIN Lookup Works