root@generate-random:~/ibans$ _

IBAN Generator (Test Data)

Generate valid test IBAN numbers for development, testing, and QA with mod-97 algorithm validation - TESTING ONLY

[ Test IBANs - Quick Summary ]

What: Test IBAN generator with mod-97 algorithm validation - creates fake International Bank Account Numbers with valid country formats (DE, GB, FR, etc.) and check digits for development/testing

When to use: Banking integration testing, SEPA payment testing, payment system development, form validation for international transfers, ISO 13616 compliance testing, and financial app QA

Example: DE89 3704 0044 0532 0130 00 (Germany), GB29 NWBK 6016 1331 9268 19 (UK)

Important: TESTING ONLY - NOT FOR FRAUD. These pass mod-97 validation but have NO associated bank accounts and NO funds. For testing bank transfer forms, SEPA validation, and financial system development only

Our fake IBAN generator creates valid test IBAN numbers for development, testing, and QA purposes using the mod-97 algorithm (mod-10 checksum). Generate test IBANs for major card brands (Visa, Mastercard, American Express, Discover) with realistic formats including expiration dates and CVV codes. Perfect for e-commerce testing, payment gateway development, form validation, QA automation, and sandbox environments. ⚠️ TESTING ONLY - NOT FOR FRAUDULENT USE - These numbers pass IBAN validation but have no funds and will be declined by real payment processors. Use our generator for secure test data creation in payment integration testing, checkout flow validation, subscription system development, billing form testing, and PCI DSS compliant test environments. All cards include realistic metadata (expiration, CVV, card type) for comprehensive testing scenarios.

What is a Test IBAN Generator?

A test IBAN generator creates valid-looking IBAN numbers that pass the mod-97 algorithm (mod-10 checksum) for development and testing purposes only. The mod-97 algorithm is a simple checksum formula used to validate IBAN numbers - it detects accidental errors in card number entry but does not verify card authenticity or funds. Our generator produces realistic card numbers following industry-standard formats: Visa (16 digits, starts with 4), Mastercard (16 digits, starts with 51-55 or 2221-2720), American Express (15 digits, starts with 34 or 37), and Discover (16 digits, starts with 6011, 622126-622925, 644-649, or 65). Each generated card includes random expiration dates (future dates only) and CVV codes (3 digits for Visa/Mastercard/Discover, 4 digits for American Express).

⚠️ IMPORTANT LEGAL DISCLAIMER: These test IBAN numbers are for development, testing, and educational purposes ONLY. They pass format validation (IBAN checksum) but have NO associated accounts, NO funds, and will be DECLINED by all real payment processors. Using these numbers for fraudulent purchases, identity theft, or any illegal activity is a CRIME and will be prosecuted. Real payment gateways (Stripe, PayPal, Square) provide official test card numbers for sandbox testing - always use those for production-grade testing. Our generator is intended for offline validation testing, form development, UI/UX testing, and educational demonstrations of the mod-97 algorithm only.

IBAN Generator Configuration

Count (1-20 Cards)

Specify how many test IBANs to generate (maximum 20 for responsible use). Each card has a unique number passing IBAN validation with randomized expiration dates and CVV codes. Multiple cards are useful for testing batch payment processing, multiple user checkout scenarios, card type detection logic, and comprehensive payment gateway integration tests.

Card Type

Select card brand: Visa (most common, 16 digits), Mastercard (16 digits, multiple BIN ranges), American Express (15 digits, 4-digit CVV), Discover (16 digits, US-focused), or Random (mix of all types). Each type follows official BIN (Bank Identification Number) patterns and industry formatting standards for realistic testing.

Include Expiration & CVV

Generate complete card data including random expiration dates (MM/YY format, 1-5 years future) and CVV codes (Card Verification Value). Expiration dates are guaranteed to be future dates. CVV codes are 3 digits (Visa/MC/Discover) or 4 digits (Amex CID). Essential for testing complete payment forms and validation logic.

How to Generate Test IBANs

[STEP 1] Configure Card Parameters

Choose count (1-20 cards) and card type (Visa, Mastercard, Amex, Discover, or Random). Enable "Include Expiration & CVV" for complete card data. For e-commerce testing, use multiple card types to test card detection logic. For payment gateway sandbox testing, prefer official test cards provided by your processor.

[STEP 1] Generate Test Cards

Click EXECUTE GENERATION to create test IBANs with IBAN-valid numbers. Each card displays the card number, type, expiration date (MM/YY), and CVV code. All numbers pass IBAN checksum validation ensuring they're accepted by form validation scripts. Cards show formatted numbers with spaces for readability (e.g., 4532 1234 5678 9010).

[STEP 1] Use in Test Environments

Copy test card numbers for payment form testing, checkout flow validation, and subscription system development. Test card type detection, expiration validation, CVV verification, and IBAN checksum validation in your forms. Use in sandbox/test environments ONLY - never attempt to use with real payment processors.

[STEP 1] Follow Testing Best Practices

Always use official test cards from payment processors (Stripe test cards: 4242 4242 4242 4242, PayPal sandbox accounts) for production-grade testing. Use our generator for offline validation, UI development, form testing, and educational purposes. Never store test cards in production databases or logs. Clearly label test data to prevent accidental misuse.

Test IBAN Best Practices

_ TESTING ONLY - Never use these numbers for real purchases or fraudulent activity. These cards pass IBAN validation but have no accounts, no funds, and will be declined by all payment processors. Using test cards for fraud is illegal and will result in criminal prosecution. Always use official test cards from payment gateways (Stripe, PayPal, Square) for sandbox testing.
_ Official Test Cards - Payment processors provide official test card numbers for sandbox testing: Stripe (4242 4242 4242 4242 for Visa), PayPal Sandbox accounts, Square test mode cards. Use these for production-grade testing as they trigger specific success/failure scenarios. Our generator is for offline validation, form development, and educational purposes only.
_ Clear Test Labeling - Always label test IBAN data clearly in development databases, logs, and documentation. Use prefixes like "TEST_" or store in separate test databases. Implement safeguards preventing test data from reaching production systems. Never store test card numbers alongside real customer data to prevent confusion.
_ Validate with IBAN Algorithm - Implement IBAN checksum validation in your payment forms to catch typos and invalid card numbers before submission. The mod-97 algorithm detects 100% of single-digit errors and 98% of digit transpositions. Our test cards all pass IBAN validation enabling realistic form testing and validation logic development.
_ PCI DSS Compliance - Never log, store, or transmit real IBAN numbers in plain text. Use PCI-compliant payment processors (Stripe, Braintree, PayPal) handling card data securely. Implement HTTPS/TLS for all payment pages. Test cards help develop PCI-compliant systems without handling real card data during development.
_ Educational Use - Use test card generation to understand the mod-97 algorithm, BIN ranges, and card number formats. Learn payment industry standards (PCI DSS, EMV, 3D Secure) using test data. Demonstrate validation logic in coding tutorials and security training. Never teach fraudulent techniques or misuse of test data.

Technical Implementation - IBAN Algorithm

Our test IBAN generator uses the mod-97 algorithm (mod-10 checksum) to generate valid card numbers:

// IBAN Generation with IBAN Algorithm
Algorithm: Generate IBAN-Valid Card Numbers

// Step 1: Define Card Type BIN (Bank Identification Number)
if (type == "visa") then:
  bin_prefix = "4" + random_digits(5) // 6-digit BIN
  card_length = 16

else if (type == "mastercard") then:
  bin_prefix = random_choice(["51", "52", "53", "54", "55"]) + random_digits(4)
  card_length = 16

else if (type == "amex") then:
  bin_prefix = random_choice(["34", "37"]) + random_digits(4)
  card_length = 15

else if (type == "discover") then:
  bin_prefix = "6011" + random_digits(2) // or 65, 644-649, 622126-622925
  card_length = 16

// Step 2: Generate Random Digits (excluding checksum)
card_number = bin_prefix + random_digits(card_length - 7) // Leave space for checksum

// Step 3: Calculate IBAN Checksum
// IBAN Algorithm: Double every second digit from right, subtract 9 if > 9, sum all
sum = 0
for i = 0 to length(card_number) - 1 do:
  digit = card_number[i]
  if (i % 2 == 0) then: // Double odd positions (right-to-left)
    digit *= 2
    if (digit > 9) then: digit -= 9
  sum += digit

checksum_digit = (10 - (sum % 10)) % 10
card_number += checksum_digit

// Step 4: Generate Expiration & CVV
expiration_month = random_int(1, 12)
expiration_year = current_year + random_int(1, 5) // 1-5 years future
cvv_length = (type == "amex") ? 4 : 3
cvv = random_digits(cvv_length)

// Example Results:
// Visa: 4532 1488 0343 6467 | Exp: 08/28 | CVV: 321
// Mastercard: 5425 2334 3010 9903 | Exp: 12/27 | CVV: 584
// Amex: 3782 822463 10005 | Exp: 03/26 | CVV: 7373

API Access for Developers

Generate test IBANs programmatically using our free REST API. Specify count, card type, and metadata options for automated testing and QA pipelines. TESTING PURPOSES ONLY.

GET https://generate-random.org/api/v1/generate/ibans?count=5&type=visa&include_details=true

VIEW FULL API DOCUMENTATION →

Frequently Asked Questions

Are these real IBAN numbers I can use for purchases?

NO. These are test IBAN numbers for development and testing ONLY. They pass mod-97 algorithm validation (checksum) but have NO associated bank accounts, NO funds, and will be DECLINED by all real payment processors. Attempting to use these for purchases is fraud and illegal. Real payment gateways (Stripe, PayPal, Square) provide official test card numbers for sandbox testing. Use those for legitimate payment testing.

What is the mod-97 algorithm and why do these cards pass validation?

The mod-97 algorithm (mod-10 checksum) is a formula that validates IBAN numbers by detecting accidental errors in number entry. It works by doubling every second digit from right-to-left, subtracting 9 if the result exceeds 9, summing all digits, and checking if the total is divisible by 10. Our generator calculates the correct checksum digit ensuring cards pass IBAN validation. However, passing IBAN does NOT mean a card is real, active, or has funds - it only validates the number format is mathematically correct. Real payment processors check BIN databases, account status, and funds availability beyond IBAN validation.

Can I use these test cards with Stripe, PayPal, or other payment gateways?

These cards will be DECLINED by real payment processors. For payment gateway testing, use official test cards: Stripe provides specific test card numbers (4242 4242 4242 4242 for successful charges, 4000 0000 0000 0002 for declined cards) in test mode. PayPal has sandbox accounts with test credentials. Square offers test mode with designated test cards. Use those official test cards for realistic payment integration testing as they trigger specific success/failure scenarios and webhook events. Our generator is for offline validation, form UI testing, and mod-97 algorithm education only.

What's the difference between Visa, Mastercard, Amex, and Discover card numbers?

Card types differ in length, starting digits (BIN/IIN), and CVV length: Visa (16 digits, starts with 4, 3-digit CVV), Mastercard (16 digits, starts with 51-55 or 2221-2720, 3-digit CVV), American Express (15 digits, starts with 34 or 37, 4-digit CVV/CID), Discover (16 digits, starts with 6011/622126-622925/644-649/65, 3-digit CVV). The first 6 digits (BIN - Bank Identification Number) identify the card issuer and type. Our generator follows these industry-standard formats ensuring realistic test data for card type detection logic and validation testing.

How can I test payment failure scenarios like declined cards or insufficient funds?

Use official test cards from payment processors: Stripe test cards (4000 0000 0000 0002 for generic decline, 4000 0000 0000 9995 for insufficient funds, 4000 0000 0000 9987 for lost card), PayPal sandbox accounts with configurable balances, Square test mode with specific decline scenarios. Payment gateways provide dozens of test cards triggering specific error codes (expired card, invalid CVV, fraud detection, 3D Secure challenges). Our IBAN-valid generator creates cards for form validation testing but cannot simulate payment processor responses.

Is it legal to generate test IBAN numbers?

Yes, generating test IBAN numbers for legitimate development, testing, and educational purposes is legal. However, using them (or attempting to use them) for purchases, fraud, identity theft, or any deceptive activity is ILLEGAL and constitutes IBAN fraud (federal crime in the US under 18 U.S.C. § 1029). Legitimate uses: payment form validation testing, UI development, mod-97 algorithm education, QA automation in test environments, and demonstrating validation logic in tutorials. Always use official test cards from payment processors for production-grade testing and clearly label all test data.

[ HOW TO CITE THIS PAGE ]

APA Style:
Generate-Random.org. (2025). IBAN Generator (Test Data). Retrieved from https://generate-random.org/ibans

Web Citation:
IBAN Generator (Test Data) - Generate-Random.org (https://generate-random.org/ibans)