BS ISO 13616-1-2007 Financial services - International bank account number (IBAN) - Structure of the IBAN《金融服务 国际银行帐号(IBAN) IBAN的结构》.pdf

1、 g49g50g3g38g50g51g60g44g49g42g3g58g44g55g43g50g56g55g3g37g54g44g3g51g40g53g48g44g54g54g44g50g49g3g40g59g38g40g51g55g3g36g54g3g51g40g53g48g44g55g55g40g39g3g37g60g3g38g50g51g60g53g44g42g43g55g3g47g36g58(IBAN) Part 1: Structure of the IBANICS 03.060Financial services International bank account number

2、BRITISH STANDARDBS ISO 13616-1:2007BS ISO 13616-1:2007This British Standard was published under the authority of the Standards Policy and Strategy Committee on 30 March 2007 BSI 2007ISBN 978 0 580 50406 8Amendments issued since publicationAmd. No. Date CommentsThis publication does not purport to in

3、clude all the necessary provisions of a contract. Users are responsible for its correct application.Compliance with a British Standard cannot confer immunity from legal obligations.National forewordThis British Standard was published by BSI. It is the UK implementation of ISO 13616-1:2007. Together

4、with BS ISO 13616-2:2007 it supersedes BS ISO 13616:2003, which is withdrawn.The UK participation in its preparation was entrusted to Technical Committee IST/12, Banking, securities and other financial services.A list of organizations represented on IST/12 can be obtained on request to its secretary

5、.Reference numberISO 13616-1:2007(E)INTERNATIONAL STANDARD ISO13616-1First edition2007-03-01Financial services International bank account number (IBAN) Part 1: Structure of the IBAN Services financiers Numro de compte bancaire international (IBAN) Partie 1: Structure de lIBAN BS ISO 13616-1:2007ii i

6、iiForeword ISO (the International Organization for Standardization) is a worldwide federation of national standards bodies (ISO member bodies). The work of preparing International Standards is normally carried out through ISO technical committees. Each member body interested in a subject for which a

7、 technical committee has been established has the right to be represented on that committee. International organizations, governmental and non-governmental, in liaison with ISO, also take part in the work. ISO collaborates closely with the International Electrotechnical Commission (IEC) on all matte

8、rs of electrotechnical standardization. International Standards are drafted in accordance with the rules given in the ISO/IEC Directives, Part 2. The main task of technical committees is to prepare International Standards. Draft International Standards adopted by the technical committees are circula

9、ted to the member bodies for voting. Publication as an International Standard requires approval by at least 75 % of the member bodies casting a vote. Attention is drawn to the possibility that some of the elements of this document may be the subject of patent rights. ISO shall not be held responsibl

10、e for identifying any or all such patent rights. ISO 13616-1 was prepared by Technical Committee ISO/TC 68, Financial services, Subcommittee SC 7, Core banking. This first edition of ISO 13616-1, together with ISO 13616-2, cancels and replaces ISO 13616:2003, which has been technically revised. ISO

11、13616 consists of the following parts, under the general title Financial services International bank account number (IBAN): Part 1: Structure of the IBAN Part 2: Role and responsibilities of the Registration Authority The following are a summary of the major changes in this revision of ISO 13616: th

12、e IBAN has a fixed length per country; the bank identifier has a fixed length and position within the BBAN component of the IBAN; a second part of ISO 13616 has been created, describing the roles and responsibilities of a Registration Authority. BS ISO 13616-1:2007iv Introduction 0.1 General The use

13、 of electronic communication media and services internationally for the cross-border transmission of information and payment and payment-related transactions between financial institutions, as well as between financial institutions and their customers, continues to increase. In order to facilitate a

14、utomated processes in support of straight through processing (STP) in this environment, ISO 13616 has been developed by ISO/TC 68/SC 7 as a means by which financial institutions and their customers can exchange, through inter-industry electronic data interchange (EDI), customer account identificatio

15、n details in a machine-readable form. It also makes provision for validation of the information provided. In developing ISO 13616, it was recognized that a single, universal method for identifying the account and banking relationship for customers of financial institutions was not practical. Accordi

16、ngly, ISO 13616 recognizes that financial institutions would wish to retain, wherever possible, their current national identification methods. It therefore provides a method whereby a minimum amount of change to existing systems is required and, at the same time, proposes a means of structuring the

17、information in a way that promotes automated processing of the information provided. It is anticipated that the use of ISO 13616 in electronic data interchange will: a) reduce the need for manual intervention in the processing of inter-industry and intra-industry data interchange, b) improve the lev

18、el of confidence in the accuracy of the information provided, and c) provide certainty that the information provided is relevant to the country of ownership of the account. It is recognized that the IBAN would also be of use in a paper environment. The use of information to further qualify details o

19、f the financial institution at which the IBAN applies is not precluded by their use outside of the IBAN. Nationally agreed IBAN formats that are compliant with ISO 13616, and subsequently registered with the ISO 13616 Registration Authority, are published on http:/. 0.2 Background to this revision o

20、f ISO 13616 This revision of ISO 13616 was requested to achieve alignment between the ISO IBAN standard and the IBAN standard of the European Committee for Banking Standards (ECBS), in order to have one single globally accepted standard. This revision of ISO 13616 incorporates the experience gained

21、in the many European countries that have already implemented the IBAN based on the ECBS standard. The critical advantages compared to the previous ISO IBAN standard are the requirement for a fixed length of the IBAN, as well as a fixed length and position of the bank identifier within the IBAN. This

22、 enables plausibility checks, resulting in better STP and improved cost efficiency. The agreement of ISO TC 68/SC 7 and its Working Group 1 was based on extensive discussions, to clarify how ISO 13616 has worked in the past, and how it will continue to work. One of the main concerns was that the fix

23、ed length requirement stipulated in this revision of ISO 13616 would necessitate changes to domestic account numbers, or that the different national account number structures would need to be harmonized. However, this will not be the case, in view of the fact that the fixed length will be achieved w

24、hen creating the IBAN. BS ISO 13616-1:2007vIn addition, given the possibility that domestic accounts may use lower case alpha characters, ISO 13616 remains unchanged on this point, i.e. lower case characters continue to be allowed, although the check digit algorithm will continue to be case independ

25、ent. BS ISO 13616-1:2007blank1Financial services International bank account number (IBAN) Part 1: Structure of the IBAN 1 Scope This part of ISO 13616 specifies the elements of an international bank account number (IBAN) used to facilitate the processing of data internationally in data interchange,

26、in financial environments as well as within and between other industries. The IBAN is designed for automated processing, but can also be used conveniently in other media interchange when appropriate (e.g. paper document exchange, etc.). This part of ISO 13616 does not specify internal procedures, fi

27、le organization techniques, storage media, languages, etc. to be used in its implementation, nor is it designed to facilitate the routing of messages within a network. It is applicable to the textual data which might be conveyed through a system (network). 2 Normative references The following refere

28、nced documents are indispensable for the application of this document. For dated references, only the edition cited applies. For undated references, the latest edition of the referenced document (including any amendments) applies. ISO 3166-1, Codes for the representation of names of countries and th

29、eir subdivisions Part 1: Country codes ISO/IEC 7064, Information technology Security techniques Check character systems 3 Terms and definitions For the purposes of this document, the following terms and definitions apply. 3.1 account number identifier that identifies an account 3.2 bank identifier i

30、dentifier that uniquely identifies the financial institution and, when appropriate, the branch of that financial institution servicing an account 3.3 basic bank account number BBAN identifier that uniquely identifies an individual account at a specific financial institution in a particular country a

31、nd which includes a bank identifier of the financial institution servicing that account BS ISO 13616-1:20072 3.4 international bank account number IBAN expanded version of the basic bank account number (BBAN), intended for use internationally, which uniquely identifies an individual account at a spe

32、cific financial institution, in a particular country NOTE Although designed for use internationally, there is nothing to prevent the use of the IBAN domestically. 4 Conventions This part of ISO 13616 uses the following conventions for data element representations. Status of sub-elements of a data el

33、ement: optional. Character representations: n digits (numeric characters 0 to 9 only); a upper case letters (alphabetic characters A-Z only); or c upper and lower case alphanumeric characters (A-Z, a-z and 0-9); e blank space. Length indications: nn! fixed length; nn maximum length. 5 Structure The

34、format of the IBAN shall be: 2!a2!n30c where a) the first two letters (2!a) shall always be the two-character country code (alpha-2 code), as defined in ISO 3166-1, of the country in which the financial institution servicing the account resides; b) the third and fourth characters (2!n) shall be the

35、check digits, as calculated from the scheme defined in this part of ISO 13616 (see Clause 6); c) the remaining part of the IBAN (up to 30c), the BBAN, shall only contain upper and lower case letters (A to Z and a to z) and numeric characters (0 to 9), without special characters such as separators an

36、d punctuation that may be used in national account number schemes; d) the BBAN shall in addition: have one fixed length per country, and include within it a bank identifier with a fixed position and length per country. BS ISO 13616-1:20073If the BBAN is structured in line with bullet d) above, the c

37、orresponding IBAN format would meet the requirements for inclusion in the ISO IBAN registry. IBAN formats whose design was based on a previous edition of ISO 13616, and which do not comply with d) above, may be included in a special section of the registry where information will be included as free

38、text. For the representation of the IBAN in a printed format, see Annex A. 6 Check digits 6.1 General The check digits will be calculated based on the scheme defined in ISO/IEC 7064 (MOD 97-10). See Annex B. The check digits are used to verify the BBAN and country code. Only the financial institutio

39、n which services (maintains) the account is allowed to generate its IBAN (including check digits). 6.2 Checking the check digits 6.2.1 If the IBAN is in paper format (see Annex A), delete all blank spaces. 6.2.2 Move the first four characters to the right-hand end of the IBAN. 6.2.3 Convert upper an

40、d lower case letters to digits in accordance with the following: A = 10 F = 15 K = 20 P = 25 U = 30 B = 11 G = 16 L = 21 Q = 26 V = 31 C = 12 H = 17 M = 22 R = 27 W = 32 D = 13 I = 18 N = 23 S = 28 X = 33 E = 14 J = 19 O = 24 T = 29 Y = 34 Z =356.2.4 Apply the check character system MOD 97-10 (see I

41、SO/IEC 7064). 6.2.5 If the remainder is 1 (one), the number is valid. 6.3 Generating the check digits 6.3.1 Add the country code (2!a) and “00” to the right-hand end of the BBAN. 6.3.2 Convert letters (alpha-2 code characters) to digits (numeric characters) in accordance with 6.2.3. 6.3.3 Apply the

42、check character system MOD 97-10 (see ISO/IEC 7064). 7 Registration of IBAN formats National standards bodies wishing to register an ISO 13616-compliant IBAN format for their country should refer to ISO 13616-2. BS ISO 13616-1:20074 8 Formats and samples of IBANs ISO 13616-compliant IBAN formats and

43、 samples can be found in the registry of national IBAN formats maintained by the Registration Authority described in ISO 13616-2. BS ISO 13616-1:20075Annex A (normative) Representation of the IBAN in the printed format A.1 Introduction This annex specifies the use and representation of IBAN in the p

44、rinted format. A.2 Scope In a printed format, where the specification of an international bank account number is requested, the IBAN shall be used as defined in this annex. The generation of a payment (or related) instruction on paper shall always include an IBAN and, in addition, where appropriate,

45、 the instruction may include identification of the financial institution servicing the account by an alternative identification scheme other than that implicit in the IBAN (e.g. BIC as defined in ISO 9362). Mandating the positioning of the IBAN in/on a paper or similar instruction is not considered

46、to be within the scope of this annex. A.3 Structure In a printed format, the IBAN structure (2!a2!n30c) shall remain, but the IBAN shall be printed in groups of four characters and each group should be separated by a blank space. The reason for this is to increase the readability of the IBAN when pr

47、esented on paper in printed format. EXAMPLE: Electronic IBAN: BE68539007547034 Printed IBAN: BE68 5390 0754 7034 BS ISO 13616-1:20076 Annex B (informative) Example of how to calculate and validate the check digits B.1 Constructing an IBAN and calculating check digits B.1.1 The example given in this

48、annex is based on an example of a Czech Republic domestic account number and the explanation of the IBAN structure given in Clause 5. The structure of the Czech Republic domestic account number consists of an account number of between six and twenty digits, and within it a bank identifier with a fix

49、ed length of four digits and which is always in the last four positions. EXAMPLE For the domestic account number 19-2000145399/0800, the bank identifier is 0800. B.1.2 Format the BBAN by deleting all non-alphanumeric characters. EXAMPLE The domestic account number 19-2000145399/0800 becomes 1920001453990800. B.1.3 Add the country code (2!a from ISO 3166-1) followed by the digits “00” to the right-hand end of the BBAN. EXAMPLE The same number now becomes 08000000192000145399CZ00. B.1.4 Conver