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It also does not contain check digits, so errors of transcription were not detectable and it was not possible for a sending bank to validate the routing information prior to submitting the payment.
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As of February 2016, 69 countries were using the IBAN numbering system.
The IBAN consists of up to 34 alphanumeric characters comprising: a country code; two check digits; and a number that includes the domestic bank account number, branch identifier, and potential routing information.
This often led to necessary routing information being missing from payments.
Routing information as specified by ISO 9362 (also known as Business Identifier Codes (BIC code), SWIFT ID or SWIFT code, and SWIFT-BIC) does not require a specific format for the transaction so the identification of accounts and transaction types is left to agreements of the transaction partners.