Last updated: June 2026
Terms of Service
These Terms govern your use of ibanchecker.cash and our Developer API. Please read them carefully before using our services.
1. Acceptance of Terms
By accessing ibanchecker.cash or using our API, you agree to be bound by these Terms of Service and our Privacy Policy. If you are using the API on behalf of an organisation, you represent that you have authority to bind that organisation.
2. Services Provided
ibanchecker.cash provides IBAN validation, BIC/SWIFT lookup, bulk checking, and text extraction tools via a web interface and a REST API. Free tools are available without registration. The Developer API requires an API key obtained at /api-docs.
The service is provided “as is”. Validation results are based on ISO 13616 format rules and publicly available SWIFT registry data. ibanchecker.cash does not guarantee that a structurally valid IBAN corresponds to an active, funded bank account. Always verify with your payment processor before processing transactions.
3. Account Registration
To obtain an API key, you must provide a valid email address. You are responsible for keeping your API key confidential. Do not share your key in public repositories, client-side code, or insecure environments. Report suspected key compromise immediately to [email protected].
4. API Usage Limits
API usage is subject to the following monthly limits based on plan:
| Plan | Monthly Requests | Price |
|---|---|---|
| Free | 1,000 | $0 |
| Starter | 50,000 | $29/month |
| Growth | 500,000 | $99/month |
| Enterprise | Unlimited | $299/month |
Exceeding your monthly limit will result in 429 Too Many Requests responses until the next billing cycle. We reserve the right to throttle or suspend keys that engage in abusive usage patterns regardless of plan tier.
5. Payment, Cancellation & Refunds
Paid plans are billed monthly in advance via Stripe. Your subscription renews automatically on the same day each month. You may cancel at any time from your account or by emailing [email protected]. Cancellation takes effect at the end of the current billing period — you retain access until then.
We offer a 7-day refund on first-time paid subscriptions if you are unsatisfied. Refund requests must be submitted within 7 days of the charge. Subsequent months are non-refundable. Enterprise plan refunds are handled on a case-by-case basis.
All prices are in USD and exclude VAT/GST where applicable. EU customers may be subject to VAT at the applicable rate, collected by Stripe.
6. Prohibited Uses
You may not use ibanchecker.cash to:
- • Generate, guess, or enumerate valid IBANs for fraudulent purposes
- • Facilitate money laundering, sanctions evasion, or financial crime
- • Attempt to reverse-engineer or scrape our SWIFT/BIC database
- • Circumvent rate limits through multiple accounts or rotating IPs
- • Resell or redistribute API access without written permission
- • Use the service in a way that disrupts or degrades platform availability
See our Acceptable Use Policy for the full list of restrictions.
7. Limitation of Liability
To the fullest extent permitted by applicable law, KÖYLÜ BİLGİSAYAR ELEKTRONİK GIDA İLETİŞİM SANAYİ VE TİCARET LİMİTED ŞİRKETİ (trading as ibanchecker.cash, MERSİS: 0589045373223843) shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or financial loss arising from: (a) reliance on IBAN validation results; (b) service interruptions or errors; (c) unauthorised access to your API key.
Our total aggregate liability for any claims under these Terms shall not exceed the amount you paid us in the 30 days preceding the claim.
8. Service Availability & Service Credits
ibanchecker.cash runs on Cloudflare’s global edge network, which carries a 99.9% uptime SLA from our infrastructure provider, and we pass this availability target through to all plans. Free and Starter plans are provided on a best-effort basis without a contractual SLA. The Growth plan carries a contractual 99.9% monthly uptime commitment, and the Enterprise plan a 99.99% commitment, each backed by the service credits set out below.
8.1 How uptime is measured
“Monthly Uptime Percentage” for a given calendar month is the percentage of time the production API was available, calculated from the automated checks recorded by our monitor every five minutes and published on the status page. The recorded checks are the authoritative measurement for any service credit claim.
8.2 Service credit schedule
If the Monthly Uptime Percentage falls below your plan’s commitment, you may claim a service credit calculated as a percentage of the plan fee you paid for the affected month:
| Service credit | Growth · 99.9% SLA | Enterprise · 99.99% SLA |
|---|---|---|
| 10% of monthly fee | 99.0% to 99.89% | 99.9% to 99.98% |
| 25% of monthly fee | 95.0% to 98.99% | 99.0% to 99.89% |
| 50% of monthly fee | Below 95.0% | Below 99.0% |
Service credits are applied against future invoices and are not redeemable for cash. The total credit for any single month will not exceed the plan fee paid for that month.
8.3 Exclusions
Downtime does not count toward the Monthly Uptime Percentage, and no service credit is due, where it results from:
- • Planned maintenance announced at least 24 hours in advance at /status
- • Outages or degradation of Cloudflare or other upstream providers outside our reasonable control
- • Force majeure events (natural disasters, war, large-scale internet or power failures, government action)
- • Factors caused by you, your equipment, your software, or your misuse of the API
- • Suspension or termination of your account for breach of these Terms or the Acceptable Use Policy
- • Use of the Free or Starter plans, which carry no contractual SLA
8.4 How to claim
To request a service credit, email [email protected] within 30 days of the end of the affected month, stating the dates and times of the downtime you observed. Claims submitted after this window are not eligible. We will verify the claim against our recorded checks and apply any due credit to your next invoice.
8.5 Sole and exclusive remedy
The service credits described in this section are your sole and exclusive remedy for any failure by us to meet the uptime commitment for your plan. Enterprise customers may contact us to negotiate a custom SLA in a separate written agreement, which will prevail over this section to the extent of any conflict.
9. Governing Law
These Terms are governed by the laws of the Republic of Turkey. Any disputes shall be subject to the exclusive jurisdiction of the courts of Istanbul, Turkey. The service is operated by KÖYLÜ BİLGİSAYAR ELEKTRONİK GIDA İLETİŞİM SANAYİ VE TİCARET LİMİTED ŞİRKETİ (MERSİS: 0589045373223843), registered in İstanbul, Turkey. EU and UK consumers retain any mandatory statutory rights they hold under the law of their country of residence.
10. Changes to Terms
We may update these Terms. Material changes will be notified by email to registered users at least 14 days before taking effect. Continued use after the effective date constitutes acceptance. For questions, contact [email protected].