GB/T 20543.1-2011
ActiveFinancial services--International bank account number(IBAN)--Part 1: Structure of the IBAN
金融服务 国际银行账号(IBAN) 第1部分：IBAN的结构
Catalogue
前言 → 引言 → 1 范围 → 2 规范性引用文件 → 3 术语和定义 → 4 约定 → 5 结构 → 6 校验码 → 7 IBAN格式的注册 → 8 IBAN的格式和示例 → 附录A (规范性附录) IBAN在印制格式中的表示法 → 附录B (资料性附录) 校验码的计算和验证举例 → 参考文献 Foreword → Introduction → 1 Scope → 2 Normative References → 3 Terms and Definitions → 4 Conventions → 5 Structure → 6 Check Digits → 7 Registration of IBAN Formats → 8 IBAN Format and Examples → Annex A (normative) Representation of the IBAN in Printed Form → Annex B (informative) Examples of Calculation and Verification of Check Digits → Bibliography
Scope
This part of GB/T 20543 specifies the constituent elements of the International Bank Account Number (IBAN) to facilitate data processing for cross-border data exchange in the financial sector and other industries. The IBAN is designed for automated processing, but where appropriate, it can also be conveniently used for information exchange based on other media (such as paper document exchange). This part neither specifies internal procedures, file organization techniques, storage media, languages, etc., involved in implementing the standard, nor is it used for optimizing network message routing; it is only used for transmitting text data through systems (networks). This part is applicable to the use of the International Bank Account Number (IBAN) in cross-border data exchange in the financial sector and other fields.
GB/T 20543的本部分规定了国际银行账号(IBAN)的构成要素，以便于在金融领域以及其他行业进行跨境数据交换时的数据处理工作。IBAN是为自动化处理而设计的，但在适宜的情况下，它也可以便捷地应用于基于其他介质的信息交换之中(如纸质文件的交换等)。本部分既不规定实施标准所涉及的内部程序、文件组织技术、存储介质、语言等，也不用于优化网络报文路由，而只用于通过系统(网络)间传输文本数据。本部分适用于金融领域以及其他领域进行跨境数据交换时国际银行账号(IBAN)的使用。
Normative References
Keywords
Application Summary AI generated
Financial institutions (such as banks and payment service providers) and their customers use this standard to construct and validate International Bank Account Numbers (IBAN) for automated data processing in cross-border payments, fund transfers, and related transactions. By providing a unified account structure, the standard supports Straight-Through Processing (STP), reduces manual intervention, improves information accuracy and processing efficiency, thereby lowering costs and risks in cross-border transactions.
金融机构（如银行、支付服务商）及其客户使用这个标准来构建和验证国际银行账号（IBAN），以便在跨境支付、资金转账和相关交易中实现自动化的数据处理。该标准通过统一的账号结构，支持直通处理（STP），减少人工干预，提高信息准确性和处理效率，从而降低跨境交易的成本和风险。
AI Summary AI generated
This standard specifies the structure of the International Bank Account Number (IBAN), including the country code, check digits, and Basic Bank Account Number (BBAN), to support automated processing in financial and cross-border data exchange. It requires each country's IBAN to have a fixed length and the bank identifier to have a fixed position and length within the IBAN, enhancing Straight-Through Processing (STP) efficiency. Check digits are calculated using the MOD 97-10 algorithm to ensure account validity. The standard applies to both paper and electronic environments but does not cover internal procedures or network routing.
本标准规定了国际银行账号（IBAN）的结构，包括国家代码、校验码和银行基本账号（BBAN）的组成，旨在支持金融及跨境数据交换中的自动化处理。标准要求每个国家的IBAN具有固定长度，且银行标识符在IBAN中位置和长度固定，以提升直通处理效率。校验码采用MOD 97-10算法，确保账号有效性。本标准适用于纸质和电子环境，但不涉及内部程序或网络路由。
Key Sentences extracted from text
GB/T 20543的本部分规定了国际银行账号(IBAN)的构成要素，以便于在金融领域以及其他行业进行跨境数据交换时的数据处理工作。
IBAN是为自动化处理而设计的，但在适宜的情况下，它也可以便捷地应用于基于其他介质的信息交换之中(如纸质文件的交换等)。
IBAN的格式如下：2!a2!n30c
校验码应根据ISO/IEC 7064规定的方法计算(MOD 97-10)，具体见附录B。
如果余数是1，说明这个账号是有效的。
This part of GB/T 20543 specifies the constituent elements of the International Bank Account Number (IBAN) to facilitate data processing for cross-border data exchange in the financial sector and other industries.
The IBAN is designed for automated processing, but where appropriate, it can also be conveniently used for information exchange based on other media (such as paper document exchange).
The format of the IBAN is as follows: 2!a2!n30c
Check digits shall be calculated according to the method specified in ISO/IEC 7064 (MOD 97-10), see Annex B for details.
If the remainder is 1, the account number is valid.
Standard Timeline
Changes from replaced version:
- 第5章中增加了对每一个国家IBAN都应有一个固定长度，以及每一个国家的银行标识符在IBAN应有固定长度和位置的规定。
- Added in Chapter 5 the requirement that each country's IBAN shall have a fixed length, and that the bank identifier for each country shall have a fixed length and position within the IBAN.