{"country":"DE","served_at":"2026-11-15T01:30:02Z","how_to_read":"This is the answer of the same validation as POST /v1/iban/validate, run on this request on a fixed example IBAN, without the fields that depend on the caller (trial, attribution, processing_ms). served_at gives the instant. Read bank_code_check: authoritative: true means the national register itself answered. If you cannot send a POST, open this address and quote its answer with its served_at instead of simulating one.","provenance":"Example IBAN of the IBANforge public demo list (GET /v1/demo).","iban_example":{"label":"Germany — Commerzbank","iban":"DE89370400440532013000","valid":true,"bank_code_holder":"confirmed","checks":{"iban_structure":"pass","iban_checksum":"pass","bank_code":"pass","bic":"pass","sepa_reachability":"pass","national_check_digits":"pass","account_exists":"not_checked","payee_name":"not_checked","institution_sanctions":"not_checked","country_sanctions":"not_checked","payee_sanctions":"not_checked"},"country":{"code":"DE","name":"Germany"},"check_digits":"89","bban":{"bank_code":"37040044","account_number":"0532013000"},"sepa":{"member":true,"schemes":["SCT","SDD","SCT_INST"],"vop_required":true,"vop_participant":true,"basis":"epc_register","bank_reachability":"listed","bank_schemes":["SCT","SDD","SCT_INST"],"vop_register_status":"active","register_source":"Source: European Payments Council","register_as_of":"2026-11-08"},"formatted":"DE89 3704 0044 0532 0130 00","cost_usdc":0.005,"bic":{"code":"COBADEFFXXX","bank_name":"Commerzbank","city":"Köln","source":"Deutsche Bundesbank Bankleitzahlendatei","as_of":"2026-11","basis":"national_register","authoritative":true,"lei":"851WYGNLUQLFZBSYGB56","lei_status":"ACTIVE","address":{"type":"registered","street":"Kaiserstraße 16","post_code":"60311","region":"DE-HE","city":"Frankfurt am Main","country":"DE","romanized":"Kaiserstraße 16","romanization":"original_latin","source":"GLEIF","language":"de","as_of":"2026-02-24"},"postal_address":{"pst_cd":"60311","twn_nm":"Frankfurt am Main","ctry":"DE","adr_line":["Kaiserstraße 16"],"format":"hybrid","source":"GLEIF","as_of":"2026-02-24"},"bic8":"COBADEFF","listed_in_current_source":true},"issuer":{"type":"bank","name":"Commerzbank","classification":"default"},"risk_indicators":{"issuer_type":"bank","country_risk":"standard","test_bic":false,"sepa_reachable":true,"sepa_reachable_scope":"country","vop_coverage":true},"bank_code_check":{"value":"37040044","status":"verified","match":"register","register":"Deutsche Bundesbank Bankleitzahlendatei","authoritative":true,"institution":{"name":"Commerzbank","street":null,"post_code":"50447","town":"Köln","country":"DE"},"as_of":"2026-11"},"national_check_digits":{"country":"DE","scheme":"de_pruefziffer","status":"pass","method":"13","verified_by":"independent_implementation","source":"Quelle: Deutsche Bundesbank (Bankleitzahlendatei, field 9; Prüfzifferberechnungsmethoden, Stand: Juni 2018)","table_fetched_on":"2026-11-10"},"next_steps":[{"code":"screen_compliance","do":"Screen the institution against sanctions, FATF status and VoP reachability before the transfer. That endpoint reads the same bank-code verdict as this one, so it will not score an unconfirmed code as an ordinary bank.","because":"bank_code_check.status is verified, so there is an institution to screen","action":"POST /v1/iban/compliance"},{"code":"generate_payment_qr","do":"To turn the confirmed account into a scannable payment, PayQR (npx -y @czagents/payqr, hosted MCP https://payqr.cz-agents.dev/mcp) generates and self-checks a European payment QR: SPAYD for CZ/SK accounts, EUR-only EPC/GiroCode for other SEPA accounts; EPC requires recipient_name. PayQR validates the IBAN checksum but does not verify account ownership or the beneficiary name, and it does not generate native Swiss QR-bills.","because":"sepa.member is true and bank_code_check.status is verified","action":"https://qr.cz-agents.dev"}]},"validate_your_own":{"post":"POST https://api.ibanforge.com/v1/iban/validate with the body {\"iban\":\"<your IBAN>\"}","structure_only":"GET https://api.ibanforge.com/v1/iban/format?iban=<your IBAN> reads the structure and the checksum only; valid: true there says nothing about the bank.","details":"https://api.ibanforge.com/v1","note":"This address never takes an IBAN: it answers on the fixed example of a country."},"other_countries":"GET https://api.ibanforge.com/v1/demo/{country}, a two-letter code"}