Bank account generation functions

You can generate bank account numbers.

To mask bank account numbers by keeping the original country, the bank/branch code and using the Format-Preserving Encryption, use the Bank account masking functions.

Function	Random generation	Consistent generation	Bijective generation	Input data validation
Generate account number	Yes	No	No	No
Generate account number and keep original country	Yes	No	No	No

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:

Example of the different elements in French and German IBAN numbers.

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.

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.

Note: To determine if an input is valid, the functions verify different criteria. See the table below.

This table lists the criteria that are verified for each data masking function to determine if an input is valid. The input is validated according to the country code.

Input validation	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
Validate country code	Yes	Yes	Yes
Validate format	No	Yes	Yes
Validate IBAN check digits	No	Yes	Yes
Validate national check digits	No	Yes Only for some countries (see the list below). For the other countries, the national check digits may not be valid.	Yes Only for some countries (see the list below). For the other countries, the national check digits may not be valid.
Validate bank/branch code	No	No	No

This table lists the criteria that are verified for each data masking function to make the output valid according to the country code.

Output validity	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
Validate country code	Yes	Yes	Yes
Validate format	Yes	Yes	Yes
Validate IBAN check digits	Yes	Yes	Yes
Validate national check digits	Yes Only for some countries (see the list below). For the other countries, the national check digits may not be valid.	Yes Only for some countries (see the list below). For the other countries, the national check digits may not be valid.	Yes Only for some countries (see the list below). For the other countries, the national check digits may not be valid.
Validate bank/branch code	No	No	Yes When 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.

Generate account number

This function generates a French IBAN number. As the output depends on different criteria, it may not be a valid bank account number.

This function only applies on String values. This function requires no extra parameter.

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

The bank/branch code and account number are randomly generated.

The check digits and national check digits are generated using algorithms to meet the French IBAN standards.

In the following example, the masked value is a French IBAN number, regardless of the input value.

Input value	Example of a masked value
A26	FR76 3000 6000 0112 3456 7890 189

Generate account number and keep original country

This function generates a bank account number for the original country. As the output depends on different criteria, it may not be a valid bank account number.

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.

Input account number

To determine the original country, the function analyzes the first two characters. For example, if the first two characters are SE, the output will be a Swedish bank account number.

As the function only analyzes the first two characters, it is not required to have a bank account number as a input. See the first example.

Logic of the function

When the input is	Then.
A valid IBAN number	The function generates an IBAN number from the same country as the input value.
A valid US account number	The function keeps the first nine digits and randomly masks the other digits.
Not a valid account number	The function generates a French IBAN number.

Output account number

The format and the check digits of the generated account number are conform to the corresponding country.

For some countries, the national check digits are also conform to the country. To know which national check digits are handled, see this list.

National check digits from other countries are not handled.

As the bank/branch code is randomly generated, it may not be valid.

Here are two examples:

Input value	Example of a masked value
BE	BE78496464962486
091000019 6564833713	091000019 3602742991

In the first example, the two characters correspond to the country code of Belgium, the masked value is a valid Belgian IBAN number.

In the second example, the input value is a valid US account number, the masked value is a valid US account number.

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