# Italy IBAN Validator & ABI/CAB Checker (Banca d'Italia)
> Instant ISO 7064 MOD-97 validation for 27-character Italian IBANs with CIN control character, 5-digit ABI bank code, and 5-digit CAB branch code extraction.

- **Canonical URL:** https://stanzaapi.com/tools/iban-validator/country/italy-it
- **Governing Standard:** ISO 13616 / ISO 7064 MOD-97-10 (SWIFT & ISO 13616 IBAN Registry)
- **Latency:** <1ms Edge
- **Privacy:** In-memory execution only (zero data stored or logged)

## Technical Overview & Governing Rules
In Italy, the International Bank Account Number (IBAN) has a fixed length of 27 alphanumeric characters starting with the two-letter ISO 3166-1 alpha-2 country code 'IT', followed by two MOD-97 check digits.

The National Basic Bank Account Number (BBAN) follows the official pattern: 1a10n12c. The national bank code is located at BBAN character offset [1:6]. The branch identifier is at offset [6:11].

National IBAN transfers in Italy (IT) are settled in EUR.

Validation computes the ISO 7064 Modulo-97-10 checksum by transposing the first 4 characters to the end, converting letters to numeric digits (A=10, ..., Z=35), and calculating arithmetic integer modulo 97 (must equal 1).

An Italian IBAN is 27 characters: IT, two MOD-97 check digits, a 1-letter CIN control character, a 5-digit ABI bank code, a 5-digit CAB branch code, and a 12-character account number (structure IT2!n1!a5!n5!n12!c).

The CIN is a national control character computed from the ABI, CAB, and account number; it is separate from the two ISO 7064 MOD-97 check digits that follow the country code.

## Specification Matrix
| Attribute | Value | Description |
| --- | --- | --- |
| Country Code | IT | ISO 3166-1 alpha-2 |
| Total IBAN Length | 27 characters | Fixed standard length |
| BBAN Format | 1a10n12c | National structure (n=numeric, a=alpha, c=alphanumeric) |
| SEPA Zone | Yes (Single Euro Payments Area) | SEPA compliance status |
| Currency (ISO 4217) | EUR | National settlement currency |
| Bank Code Position | BBAN Offset 1 (5 chars) | National clearing code |
| Branch Code Position | BBAN Offset 6 (5 chars) | Branch identification |
| CIN Control Character | BBAN offset 0 (1 letter) | National control character over ABI + CAB + account |
| ABI Bank Code | BBAN offset 1 (5 digits) | Italian Bankers' Association (ABI) bank identifier |
| CAB Branch Code | BBAN offset 6 (5 digits) | Branch identifier within the bank |

## Standard JSON Response Model
```json
{
  "valid": true,
  "iban": "IT60X0542811101000000123456",
  "countryCode": "IT",
  "countryName": "Italy",
  "length": 27,
  "bban": "1a10n12c",
  "sepa": true,
  "checksumValid": true,
  "bankCode": "XXXX"
}
```

## Frequently Asked Questions & Edge Cases
### Q: How many characters is an IBAN in Italy?
**A:** An official IBAN in Italy (IT) is exactly 27 characters in length. Any shorter or longer value fails ISO 13616 validation.

### Q: Is Italy part of the SEPA payment network?
**A:** Italy is a member of the Single Euro Payments Area (SEPA), enabling low-cost euro bank transfers.

### Q: What currency are Italy IBAN transfers settled in?
**A:** IBAN transfers for Italy (IT) settle in EUR, the national settlement currency. Cross-border SEPA transfers to Italy may still be denominated in EUR where both banks support the scheme.

### Q: How is the MOD-97 check digit calculated for IT IBANs?
**A:** The first 4 characters are moved to the end, letters are converted to numbers (A=10 to Z=35), and the resulting number is evaluated with modulo 97 arithmetic. A valid IBAN yields a remainder of exactly 1.

### Q: What are ABI, CAB, and CIN in an Italian IBAN?
**A:** An Italian IBAN (27 characters) carries three national identifiers after IT and the two check digits: a 1-letter CIN control character, a 5-digit ABI bank code assigned by the Italian Bankers' Association, and a 5-digit CAB branch code. The remaining 12 characters are the account number.

### Q: How do I check an Italian IBAN?
**A:** Validation recomputes the ISO 7064 MOD-97 checksum over the whole IBAN; a valid Italian IBAN returns a remainder of 1. The CIN is an additional national control character and does not replace the MOD-97 check.