Reference

Test Credentials Hub

All the test PANs, IBANs, sandbox keys, and 3DS scenarios you need in one place — organised by scheme, processor, and use-case.

Test IBANs & SWIFT / BIC Codes

These IBANs pass checksum validation and are accepted by sandbox environments for SEPA credit transfers, direct debits, and open banking flows.

US and Australia do not use IBANs. Use ABA routing number 021000021 (Citibank NY) and account 000000001234567 for US test ACH transactions.
CountryIBANBIC / SWIFTNote
🇬🇧 United Kingdom GB82WEST12345698765432BARCGB22 Standard test
🇩🇪 Germany DE89370400440532013000DEUTDEDB Standard test
🇫🇷 France FR7630006000011234567890189BNPAFRPP Standard test
🇳🇱 Netherlands NL91ABNA0417164300ABNANL2A Standard test
🇪🇸 Spain ES9121000418450200051332CAIXESBB Standard test
🇮🇹 Italy IT60X0542811101000000123456UNCRITMM Standard test
🇧🇪 Belgium BE71096123456769GEBABEBB Standard test
🇨🇭 Switzerland CH9300762011623852957UBSWCHZH Standard test
🇸🇪 Sweden SE4550000000058398257466ESSESESS Standard test
🇵🇱 Poland PL61109010140000071219812874BPKOPLPW Standard test
🇦🇺 Australia n/a — uses BSBANZBAU3M No IBAN standard
🇺🇸 United States n/a — uses ABA routingCITIUS33 No IBAN standard

IBAN Structure

An IBAN starts with a 2-letter country code, followed by 2 check digits, then the BBAN (Basic Bank Account Number) which is country-specific in length and format.

CCCDBBAN…
Country codeCheck digitsBBAN

SWIFT / BIC Format

A BIC has 8 or 11 characters: 4-letter bank code, 2-letter country, 2-letter location, and an optional 3-character branch code.

AAAABBCCDDD
Bank codeCountryLocationBranch (opt.)