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 |
|
Uses the format-preserving encryption
|
Uses the format-preserving encryption
|
|
* 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
Some countries do not use national check digits.