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Which data masking function to use to mask bank account numbers?

An IBAN number is composed of several elements. Here is the terminology used for the data masking functions:
  • Black: Country code
  • Coral: Check digits
  • Light blue: Bank/branch code
  • Dark blue: Account number
  • Gray: National check digits. Their position in the IBAN number depends on the country.

    Some countries do not use national check digits.

To mask bank account numbers by other bank account numbers, you can use different data masking functions. To help you decide which function is the most suitable, the following table sums them up:
Function Generate account number and keep original country Mask bank code and account number and keep original country Mask account number and keep original country and bank code
Behavior
  • Input valid*: Generates bank account numbers conform to the corresponding country
  • Input not valid*: Generates French IBAN numbers

Uses the format-preserving encryption

  • Input valid*: Masks the bank account number
  • Input not valid*: Sends the input data to the "Invalid" flow or returns null in the main flow

Uses the format-preserving encryption

  • Input valid*: Masks the bank account number and keeps the bank/branch code
  • Input not valid*: Sends the input data to the "Invalid" flow or returns null in the main flow
* To determine if an input is valid, the functions verify different criteria.
Input validation 1 Validate country code
Validate format
Validate IBAN check digits
Validate national check digits 2 2
Validate bank/branch code
Output validity 1 Valid country code
Valid format
Valid IBAN check digits
Valid national check digits 2 2 2
Valid bank/branch code 3

1 According to the country code

2 For some countries (see the list below). For other countries, the national check digits may not be valid.

3 If the input bank/branch code is valid.

Which national check digits are handled?

The national check digits of the following countries are handled:
  • Belgium
  • Bosnia
  • Croatia
  • Czech Republic
  • Estonia
  • France
  • Hungary
  • Italy
  • Mauritania
  • Monaco
  • Montenegro
  • Norway
  • Portugal
  • San Marino
  • Serbia
  • Slovakia
  • Slovenia
  • Spain
  • Timor-Leste
  • Tunisia
National check digits from other countries are supported but not handled. This means that the functions cannot determine whether the national check digits are conform to the corresponding country or not.

Some countries do not use national check digits.

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