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Our platform offers you an API to convert bank account details. It can be a helpful option if you deal with bank account details in BBAN format and wish to convert these details into IBAN. In order to guarantee the best possible data, Ingenico ePayments works with Experian, one of the market leaders in delivering data and data instruments.

This API call provides three possible results

  • Conversion of BBAN to IBAN
  • Conversion of IBAN to BBAN
  • Comparison of IBAN and BBAN

In order to use the Bank Account Conversion Services, please refer to our API Reference.

Process Flow

payment_flow_chart_bac

  1. The consumer provides the bank account details to you.
  2. You provide the bank account details in the request to us.
  3. Based on the actions requested in the request, we will:
    • Convert the BBAN to the IBAN.
    • Convert the IBAN to the BBAN.
    • Compare the IBAN and the BBAN.
  4. The results are returned by the system. 
  5. The results are provided to you.
    • Optionally, the data can be used for submitting a new Direct Debit or a refund.

FAQs

  • What is a BBAN?

    The BBAN is the Basic Bank Account Number. The BBAN format is decided by each national banking community under the restriction that it must be of a fixed length of case-insensitive alphanumeric characters. It includes the domestic bank account number, branch identifier, and potential routing information.

  • What is an IBAN?

    The IBAN is the International Bank Account Number. It is an internationally agreed format for the BBAN and includes the ISO country code and two check digits. In 2001 the decision was made to make IBAN the standard bank account format within the SEPA region. Outside the SEPA zone, an increasing number of countries are using the IBAN format.

  • What is a BIC?

    The BIC is the Business Identifier Code, also known as SWIFT or Bank Identifier code. It is a code with an internationally agreed format to Identify a specific bank. The BIC contains 8 or 11 positions: the first 4 contain the bank code, followed by the country code and location code.