GB/T 20543.1-2011 Financial services International Bank Account Number (IBAN) Part 1: Structure of IBAN GB/T20543.1-2011 Standard compression package decompression password: www.bzxz.net
This part of GB/T20543 specifies the components of the International Bank Account Number (IBAN) to facilitate data processing in cross-border data exchange in the financial sector and other industries. IBAN is designed for automated processing, but where appropriate, it can also be easily applied to information exchange based on other media (such as paper documents). This part does not specify the internal procedures, file organization techniques, storage media, languages, etc. involved in the implementation of the standard, nor is it used to optimize network message routing, but is only used to transmit text data between systems (networks). This part applies to the use of International Bank Account Number (IBAN) in cross-border data exchange in the financial sector and other fields.
class="f14" style="padding-top:10px; padding-left:12px; padding-bottom:10px;"> GB/T20543—2011 "International Bank Account Number (IBAN) for Financial Services" consists of the following two parts:
———Part 1: Structure of IBAN;
———Part 2: Roles and responsibilities of registration authorities.
This part is Part 1 of the standard.
This part is drafted in accordance with the rules given in GB/T1.1—2009.
This part replaces GB/T20543—2006 "International Bank Account Number (IBAN) for Banking and Related Financial Services".
Compared with GB/T 20543-2006, the main changes in this part are as follows:
———In Chapter 5, the provisions that each country's IBAN should have a fixed length and each country's bank identifier should have a fixed length and position in the IBAN are added.
This part uses the translation method equivalent to ISO13616-1:2007 "Financial Services International Bank Account Number (IBAN) Part 1: Structure of IBAN".
This part has made the following editorial changes:
———For ease of use, this part has deleted the international standard foreword.
The Chinese documents that have consistent correspondence with the international documents normatively referenced in this part are as follows:
———GB/T2659 Codes for Country and Region Names of the World (GB/T2659—2000, eqvISO3166-1:1997)
———GB/T17710 Information Technology Security Technology Check Character System (GB/T17710—2008, ISO/IEC7064:2003, IDT)
This part is proposed by the People's Bank of China.
This part is under the jurisdiction of the National Financial Standardization Technical Committee (SAC/TC180).
The responsible drafting unit of this part: China Financial Electronicization Company.
Participating drafting units of this part: People's Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, China CITIC Bank, Beijing UnionPay Gold Card Technology Co., Ltd.
The main drafters of this part are: Wang Pingwa, Lu Shuchun, Li Shuguang, Yang Qian, Tian Jie, Zhao Zhilan, Shao Guanjun, Li Yan, Yang Baohui, Jia Jing, Li Mengyan, Liu Zhigang, Zhong Zhihui, Jia Shuhui, Liu Yun, Jing Yun.
This part was first published in 2006 and this is the first revision.
The following documents are indispensable for the application of this document. For any dated referenced document, only the dated version applies to this document. For any undated referenced document, the latest version (including all amendments) applies to this document.
ISO 3166-1 Codes for the representation of names of countries and their subdivisions—Part 1: Country codes
ISO/IEC 7064 Information technology—Security techniques—Check character systems||
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Introduction II
1 Scope 1
2 Normative references 1
3 Terms and definitions 1
4 Conventions 2
5 Structure 2
6 Check code 2
7 Registration of IBAN formats 3
8 Format and examples of IBANs 3
Appendix A (Normative) Representation of IBANs in printed formats 4
Appendix B (Informative) Example 5 of calculation and verification of check code
Reference 6

ICS03.060
National Standard of the People's Republic of China
GB/T 20543.1—2011/IS0 13616-1:2007 replaces GB/T20543—2006
Financial services
International bank account number (IBAN)
Part 1: Structure of the IBAN
Financial services-International bank account number (IBAN)-Part 1: Structure of the IBAN(ISO 13616-1:2007,IDT)
Published on December 30, 2011
General Administration of Quality Supervision, Inspection and Quarantine of the People's Republic of China Administration of Standardization of the People's Republic of China
Implemented on February 1, 2012
CB/T 20543.12011/IS0 13616-1:2007 16-1.2007 Foreword
2 Normative references
3 Terms and definitions
Check digit
Registration of IBAN format
Format and example of LBAN
Appendix A (normative appendix)
Appendix B (informative appendix)
Representation of IBAN in printed format
Example of calculation and verification of check digit
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GB/T20543.1—2011/ESO13616-1:2007GB/T20543—2011 Financial Services International Bank Account Number (IBAN)" consists of the following two parts: Part 1. Structure of IBAN; Part 2: Roles and responsibilities of registration institutions. This part is Part 1 of this standard.
This part is drafted in accordance with the rules given in GB/T 1.1-2009. This part replaces GB/T 20513-2006 International Bank Account Number (IBAN) for Banking and Related Financial Services. The main changes of this part compared with GB/T 20543-2006 are as follows: - In Chapter 5, the provisions that each country's IBAN should have a fixed length, and each country's bank identifier should have a fixed length and position in the IBAN are added. This part uses the translation method and refers to ISO 13616-1: 2007 "International Bank Account Number (IBAN) for Financial Services Part 1: Structure of IBAN".
This part has been edited as follows:
"- For ease of use, this part has deleted the foreword of the international standard. The Chinese documents that have a consistent correspondence with the international documents referenced in this part are as follows: - GB/T2659 Code for Country and Region Names of the World (GB/T2659--2000, eqVISO3166-1:1997) - GB/T17710 Information Technology Security Technology Check Character System (GB/T17710-2008, IS0/IEC7064:2003, IDT
This part was proposed by the People's Bank of China. This part is under the jurisdiction of the National Financial Standardization Technical Committee (SAC/TC180). The responsible drafting unit for this part is China Financial Electronicization Company. This part is referenced by Add the drafting units: People's Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of Communications, China CITIC Bank, Beijing UnionPay Gold Card Technology Co., Ltd.
The main drafters of this part: Wang Pingwa, Lu Shuchun, Ji Shuguang, Yang Qing, Tian Jie, Zhao Zhizong, Shao Guanjun, Li Yan, Yang Baohui, Mao Jing, Li Mengying, Liu Zhigang, Zhong Zhihui, Mao Shuhui, Liu Yun, Jing Yun. This part was first issued in 2006 and this is the first subscription. TTTKONYKAA
GB/T20543.1--2011/ISO13616-1:20070.1 Overview
The use and international services of electronic communication media for cross-border information transmission, fund payment and payment-related transactions between financial institutions and between financial institutions and their customers continue to be the current Significant growth trend. In this environment, in order to facilitate automatic processing to support straight-through processing (STP), this part has been developed. Through this part and the industry's electronic data interchange (EDI> technology, financial institutions and customers can exchange account identity information in a machine-readable manner. This part also stipulates the terms for verifying the validity of the interest provided. It is unrealistic to use a single, universal method to identify the relationship between the accounts of financial institution customers and banks in standard setting: and financial institutions all hope to maintain the existing identification methods in their own countries. In view of this, this part proposes an identification method and a way of organizing information that requires minimal changes to the existing system to facilitate the automated processing of information. In terms of electronic data interchange, the application of this part will bring a) in the processing industry and industry 5) It reduces human intervention in data exchange between industries; 6) It improves the accuracy of the information provided; 7) It ensures that the information provided can reflect the national information of the account owner. IBAN can be applied to paper environments. While using IBAV to describe financial institutions, technical standards other than IBAV can also be used if financial institutions are further qualified. The IBAN format agreed by various countries that complies with GB/T20543 and is registered by the IBAN Registration Authority is published on http://swift.com. 0.2 Background of this revision of GB/T20543
This revision of GB/T20543 is to make the IBAV standard consistent with the IBAN standard of the European Committee for Banking Standards (ECBS) to form a unified globally acceptable standard. This revision of GB/T20543 draws on the practical experience of many European countries, which have implemented IBAN based on the ECBS standard. Compared with the previous version of IBAN in GB/T20543, the obvious advantage of this revision is that it specifies the fixed length of IBAN and the fixed length and position of each country's bank identifier in IBAN. This advantage facilitates more effective accuracy checks and better straight-through processing (STP), which helps reduce costs and improve efficiency. A major concern of this revision is that the fixed length requirement specified in GB/T20543 may change domestic account numbers or not coordinate conversion to national account structures. However, this is not the case. In fact, the fixed length requirement can be achieved when creating IBAN.
In addition, domestic account numbers can still be represented by lowercase letters. GB/T20543 has not made any changes to this, that is, lowercase characters can continue to be used, and the check digit algorithm is independent of uppercase and lowercase letters. TTTKAONYKACA
1 Scope
GB/T 20543.1-2011/IS0 13616-1:2007 Financial services International bank account number (IBAN) Part 1; Structure of IBAN
This part of GB/T20543 specifies the components of the International Bank Account Number (IBAN) to facilitate data processing when exchanging data across borders in the financial sector and other industries. IBAN is designed for automated processing, but where appropriate, it can also be easily used in information exchanges based on other media (such as paper documents, etc.). This part does not specify the internal procedures, file organization techniques, storage media, languages, etc. involved in the implementation of the standard, nor is it used to optimize network message routing, but is only used to transmit text data through systems (networks). This part applies to the use of international bank account numbers (BANs) in cross-border data exchange in the financial field and other fields. 2 Normative references
The following documents are indispensable for the application of this document. For dated references, only the dated version applies to this document. For undated references, the latest version (including all amendments) applies to this document. ISO3166-1 Codes for the presentation of namcs of cauntries and their sublivisiotis -Paft l: Country codes ISO/IEC7064 Information technology security technology check character systems (Informuation technology security technology check character systems) 3 Terms and definitions
The following terms and definitions apply to this document. 3.1
Account Numberaccountnumber
An identifier that identifies an account.
Bank Identifierbank Identifier
An identifier that uniquely identifies a financial institution and, if necessary, a financial branch that provides services for the account. 3.3
Basic Bank Account Numberbasic Bank Account Number (BBAN) An identifier used by a specific financial institution in a country to uniquely identify its customer account, and the identifier includes a bank identifier of the financial institution that provides services for the account. 3.4
International Bank Account Numberinternational Bank Account Number (BAN) An extension of the basic bank account number, an identifier used to identify a customer account of a specific financial institution in a country internationally. Note: Although IBAN is designed for use in an international environment, it is not restricted to domestic use. 1
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GB/T20543.1—2011/ES0 13616-1.20074 stipulateswww.bzxz.net
This part adopts the following conventions for the representation of data elements. Status of data element sub-element:
［］Optional.
Representation of a character:
nNumber (number between 0 and 9)
a: uppercase letter (uppercase letter AZ): or c: uppercase and lowercase letters and numbers (capital letters A to Z, lowercase letters a to z, numbers 09); e: space.
Representation of length:
n! : fixed length
nn; maximum length.
5 Structure
The format of IBAN is as follows:
2[a2!n30c
The structure of IBAN is as follows:
a) The first two characters (2la) are the country code (alpha-2 type code) defined in accordance with the provisions of ISO 3166-1, representing the country where the financial institution providing account services is resident;
b) The third and fourth lowercase characters (2!n) are the check digits, which are derived according to the algorithm specified in this part (see Chapter 6); c) The remainder of the IBAN (not exceeding 30c), namely BBAN, contains only uppercase and lowercase letters (A to Z and z to z) and numbers (0 9) There are no special characters, such as separators and punctuation marks. These special characters can be used in domestic accounts. d) In addition, the BBAN should:
, each country has a week length:, each country's bank identifier has a fixed position and length. If the structure of the BBAN is consistent with the above clause d>, the corresponding BAN format will meet the requirements of the IBAN registration. The IBAN format is based on the previous version of GB/T20543, which does not meet the requirements of the above clause d). The IFAN format is listed in a special section of the registration document for free use.
JBAN representation in printed format is shown in Appendix A. 6 Checksum
6.1 General
The checksum should be calculated according to the method specified in ISO/IEC7064 (MOD97-10), see Appendix B for details. The checksum is used to verify the correctness of the BBAN and country code. Only the financial institution that provides services for the account is allowed to generate the IBAN (including the checksum) for the account. 6.2 Verify the check code
6.2.1 If the IBAN appears in paper format (see Appendix A), all spaces should be deleted. 6.2.2 Move the first 4 characters of the IBAV to the right. TTTKONYKAA
6.2.3 Convert letters into numbers according to the following relationship: GB/T 20543.1—2011/ISO 13616-1:2007A=10. B-11, C=12, D=13. E=14, F15, G-16,H-17, I=18, J=19.K-20, L=21, M-22, N-23, 0-21. P=25. Q=26, R-27, S-28, T-29,U-30,V=-31,W-32,X-33,Y-34.7-35.6.2.4 Use the M0D97-10 method for symbol verification (see ISO/1EC 7064). 6.2.5 If the remainder is 1, the account number is valid. 6.3 Generating the checksum
6.3.1 Add the country code (21a) and the characters \00\ to the right of the BBAN. 6.3.2 Convert the letters (alpha-2) to numbers according to 6.2.3. 6.3.3 Verify using the character checksum MOD97-10 method (see ISO/IEC 7064). 7 Registration of IBAN formats
National standards organizations wishing to register IBAN formats that conform to this standard for their country should refer to the relevant provisions of GB/T 20543.2.
8 IBAN formats and examples
IBAN formats and examples that conform to this standard can be found in the IBAN format registry, which is maintained by the registration authority described in GB/T 20543.2. 3
GB/T 20543.1—2011/IS013616-1:2007 Appendix A
(Normative Appendix)
How to indicate BAN in printed format
A1 Introduction
This appendix specifies the application and indication of BAN in printed format. A, 2 Scope
Where the international bank account number specification is required to be adopted in the printed format, the AN shall be used in accordance with the provisions of this appendix. In the paper document generating the payment (or payment-related) instruction, the IBAN must be included. In addition, other identifiers of the financial institution represented by the IBAN may be included according to the actual situation. This identifier is not the identifier of the financial institution implicit in the IBAN (such as the BIC determined in accordance with the provisions of GB/T16711), but is an identifier determined according to another identification scheme. This appendix does not specify the writing position of the IBAN in paper documents or similar situations. A.3 Structure
In printed format, the structure of the IBAN (2!a21n30c) should be retained, but it should be printed in groups of four characters, with each group separated by a space. This will improve the readability of the IBAN in paper documents. Example:
Electronic BAN: BE68539007547034
Printed TBAN, RE68539007547034
B, 1Construct a BAN and calculate its check code Appendix
(Informative Appendix)
GB/T20543.1—2011/ISO13616-1.2007 Example of calculation and verification of check code
B.1, 1The example given in this appendix uses the account number used in the Czech Republic and converts it into the IBAV structure given in Chapter 5: The account number used in the Czech Republic consists of 6 to 20 digits. This account number has a bank identifier of a certain length of four digits, and this identifier is always in the last four digits.
For example: The account number used in the country is 19-2000145399/0800, and the bank identifier is 0800. B.1.2 Remove all non-alphanumeric characters from the BBAN and convert it to BBAV format. For example, the account number 19-2000145399/0800 for domestic use becomes 1920001453990800. B.1.3 Add the country code (such as 21a, see IS03166-1) to the right of the above numbers, and then add the numbers \00\. For example, the account number becomes 08000000192000145399C200. B.1.4 According to 6.2.3, convert all alphabetic characters to numeric characters. For example, the account number becomes 08000000192000145399123500. B.1.5 Modulo 97 (i.e. the remainder after division by 97) For example, the remainder after 08000000192000145399123500 is 33. B.1.6 Subtract the remainder from 98. If the result is less than 10, add a leading zero to the number. For example, 98 minus 33 equals 65.
Note that the examples given in this appendix do not require the insertion of a leading zero. B.1.7 Insert the country code and check digit at the leftmost end of the BBAN. For example, the IBAN is CZ6508000000192000145399 (electronic format) or CZ6508000000192000145399 (printed format).
B. 2 Verify the IBAV check digit
B. 2.1 The following is a method to verify the IBAN check code. For example: the IBAN to be verified is CZ6508000000192000145399. B. 2. 2 Move the first 4 characters of the IBAN to the far right. For example: the international bank account number becomes 08000000192000145399C265. B.2.3 According to 6.2. 3, convert the alphabetic characters to numeric characters. For example: the account number becomes 08000000192000145399123565. B.2.4 Perform a modulo 97 operation (i.e. the remainder after division by 97). For example: the remainder after division by 97 of 08000000192000145399123565 is 1. B. 2.5 If the remainder is 1, the IBAN check code is correct. 5
GB/T20543.1—2011/IS013616-1:2007 Reference Documents
[1_GB/T16711 Banking Bank Telecommunications Messages Bank Identification Code (GB/T16711--1996, IDT1SO 9362;1994)
[2] GB/T 20543, 2
International Bank Account Number (IBAN)
Financial Services
(GB/T 20543.2—2011, ISO 13616-2:2007, IDT)6
Part 2: Roles and Qualifications of Registration Authorities
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