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Two checks in one step
When you click “Check”, two independent checks run. The first happens directly in your browser, the second compares the number against our reports database.
- 1
Formal check in the browser
First it checks whether the input can be a valid IBAN at all: a two-letter country code, two check digits and a length appropriate for that country. The check digits are then recalculated using the internationally standardised modulo-97 procedure. This happens entirely on your device – a number with transposed digits is never sent to our server in the first place.
- 2
Comparison with approved reports
Only once the number is formally consistent do we query our database. All that comes back is whether there are approved fraud reports for this IBAN, how many there are, and when the first one arrived. Names, shop domains or details about the people who reported are deliberately not disclosed.
Where the data comes from
We do not buy in account data and do not adopt third-party lists. Every IBAN in this database comes from a report by an affected person and has taken a fixed route to get there.
- 1Someone paid into an account and the order was never delivered – or the payment was obtained by deception from the outset.
- 2That person reports the incident via our reporting form and voluntarily provides the recipient's IBAN.
- 3The report goes into a manual review. Only once it is approved there does an entry for this IBAN come into existence at all.
- 4If several affected people report the same account, the counter increases and the date of the first report is retained.
What the result means
There are reports for this IBAN
Do not pay into this account. If you have already paid, inform your bank immediately and ask about recalling the transfer – the chances of success fall with every hour that the money has already been credited. Secure your evidence, the order confirmation and the bank statement, and file a report with the police; the recipient's IBAN is a key lead there.
There are no reports for this IBAN
That is good news, but not an all-clear. The vast majority of all accounts are unknown to us – simply because nobody has reported them. An empty result therefore only means: we have nothing on file. Judge the shop by the usual features as well, and if in doubt pay using a method that allows the money to be reclaimed.
Limits of this check
- Fraudulent shops change recipient accounts frequently. An IBAN that is inconspicuous today may be reported tomorrow – and an account that has already been reported is usually replaced by a new one quickly.
- Not every reported account belongs to the perpetrators themselves. Payments often run through the accounts of well-meaning third parties who fell for a supposed job offer and pass money on.
- A report is a statement by an affected person that we review – not a court ruling and not proof of a criminal offence. We therefore only show the fact that a report exists, never an attribution of guilt.
- We do not check who owns an account and do not disclose account holders. That information rests solely with the account-holding bank and the investigating authorities.
Frequently asked questions
Is the IBAN check anonymous?
Yes. We do not store your query and only show whether and how often an IBAN appears in approved fraud reports – no names, no domains, no reporter data.
What does "reported" mean?
Other users have named this IBAN in connection with a payment to a suspected fake shop. Every report is reviewed by us before publication (four-eyes principle) to prevent false reports.
Is a reported IBAN proof of fraud?
No. It is an automated assessment based on user submissions, not a statement of fact and not legal advice. Account holders can object to a classification at any time.
Why don't you tell me which shop the report relates to?
Because the same IBAN can relate to several incidents, and naming a shop would be a public attribution that we cannot substantiate here. The check therefore deliberately answers only one question: are there reports for this number – yes or no?
Can I get my money back through you?
No, we are not a payment service provider and not a collection agency. Reclaiming money always runs through your own bank or the payment provider you used. What we help with is documenting the incident and approaching the right places.
Do you also check whether an IBAN really exists?
Only mathematically. We check the structure and the check digits – whether an actual account exists behind the number can only be answered by the bank in question. A formally correct IBAN can therefore quite possibly point nowhere.