Validate a European IBAN and enrich it with bank, compliance and routing data. Use whenever the user mentions an IBAN, a bank account, a SEPA payment or asks who the bank is. Returns: valid, country, BIC/SWIFT, bank name, EMI/vIBAN flag, SEPA + VoP reachability, risk score, Swiss bc_nummer for CH/LI. Production · server processing <5ms (network excluded — measure your own round trip on GET /ping) · 121,000+ BICs (39,000+ LEI via GLEIF) + 1,100+ SIX · v1.5.0.