What happens if the image or PDF of the bank account information is of poor quality?

Our IDP service automatically applies a series of image preprocessing steps to optimize automatic data extraction, even on poorly scanned or poorly photographed documents. Here are a few examples: Image straightening Contrast enhancement for hard-to-read text Reduction of noise and JPEG compression artifacts Adaptive binarization to improve sharpness

How do you ensure GDPR compliance?

How does AITECA ensure data security and GDPR compliance? Data protection is at the heart of AITECA. Our solution is designed according to the principles of Privacy by Design: 100% hosting in France with an ISO 27001-certified partner, protected from the Cloud Act (public cloud, SecNumCloud, or on-premises, depending on your needs) End-to-end encryption (TLS 1.3 + AES-256) and strict data compartmentalization Automatic deletion of documents after processing Your data is never used to train our AI models—a contractual commitment Data Processing Agreement (DPA) provided as standard, in compliance with Article 28 of the GDPR Designated DPO and comprehensive procedures for data subjects’ rights ISO 27001:2022 certification across our entire SaaS scope SOC 2 Type II certification provided by Microsoft (hosting provider)

OCR Bank Account Information: Real-Time IBAN & BIC Extraction

SEPA-compliant

Standards Met

41 Countries
and Territories

SEPA Area Covered

IBAN Validation

Real-time monitoring

Precision > 99 %

Reliable extraction

Context

Why automate bank account information extraction?

Every day, businesses and government agencies process thousands of bank account details: payments, direct debits, payroll, and refunds. Yet manually entering bank account information remains the norm in most organizations.

The result: frequent errors, leading to bank rejections (approx. €15 per rejection), payment delays, and wasted time on tedious tasks. Not to mention the skyrocketing risk of fraud driven by the rise of generative AI and the growth of fintech banks.

Bank account number OCR automates this process by instantly extracting the IBAN, BIC/SWIFT, account holder name, and bank address from a scan or photo.

AITECA also includes real-time IBAN validation, fraud detection, and SEPA standardization to ensure the accuracy of banking data.

Secure Your Refunds

Stop Fraudulent
Bank Account Information

Discard any fake or forged bank account details as soon as you receive them. SEPAmail secures every transfer through image tampering detection and multiple automatic checks.

Use cases

LAF Unit, Accounts Payable, Customer Service (Refunds)

SEPA Regulatory Compliance

Comply with SEPA requirements: IBAN in the standard format, key validation, and traceability of direct debit mandates. Automatic data extraction ensures data compliance from the moment it is entered, without any manual effort.

Use cases

Recurring debits, SEPA direct debits, B2B payments, cross-border transfers

Reducing banking costs

Each bank rejection due to an incorrect IBAN costs an average of €15 in bank fees plus the cost of administrative reprocessing (follow-up, correction, re-entry). For every 1,000 rejections avoided per year, that amounts to €15,000 in direct savings.

Use cases

Payments to suppliers, customer debits, payroll transfers

Massive productivity gains

Reduce the time it takes to enter bank account information from 45 seconds (including double-checking) to less than 4 seconds using photo capture and automatic data extraction.
For 10,000 bank account entries per year, save 114 hours—more than 3 weeks of work.

Use cases

Supplier onboarding, creating customer accounts, HR administrative tasks

Better user experience

Simplify the experience for customers and suppliers: instead of entering 27 characters of an IBAN, they take a photo of their bank details, and the form fills out automatically. The result: abandonment rates reduced by two-thirds, and customer satisfaction on the rise.

Use cases

Digital onboarding, customer portals, online supplier portals

How does our banking OCR work?

The intelligent, multi-technology orchestrator: 3 key steps for reliable and secure data extraction

1 Acquisition

Multi-source capture

2 Extraction

OCR and Standardization

3 Verification

Anti-Fraud and Compliance Controls

Results

Ready-to-use data

Data extracted and structured in JSON

Immediate treatment

Ready to integrate into your IT system

Our Step-by-Step Process

A Simplified Process for Obtaining Bank Account Information

The customer photographs their bank account information using a smartphone or scanner, or imports a PDF file. The solution guides the capture process to ensure optimal quality and data readiness from the moment it is entered.

Result: Bank account information that is ready for use from the moment it is entered, regardless of format or channel.

Multi-format ingestion (PDF, image, upload)
Intelligent guidance for optimal quality
Data ready for OCR extraction

Smart Enhancement of Bank Account Information Before OCR Extraction

The quality of bank account information (RIB) is automatically enhanced through straightening, contrast optimization, and binarization. Key areas are detected to ensure reliable data extraction.

Result: optimized images and structured data ready for OCR.

Automatic document quality enhancement
Correction (rotation, contrast, noise, background, etc.)

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Intelligent Recognition of Bank Account Information Formats

The bank account information format is automatically identified: French bank account information (CFONB), European SEPA bank account information, neobank bank account information, bank statement, or account statement. The positions of key fields are detected to ensure the accuracy of the analysis.

Result: a precise understanding of the document, regardless of its format or origin.

Automatic identification of bank account details formats
Compatible with all 41 countries and territories in the SEPA zone

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Accurate OCR extraction of banking data

Automatic reading of detected fields: IBAN (up to 34 characters), BIC/SWIFT, account holder, and bank location. Support for French and European formats ensures reliable data extraction.

Result: complete, structured banking data, ready for use.

Extraction of key fields (IBAN, BIC, account holder, bank)
Support for French and European formats
Identification of bank location

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Automated checks for compliance with SEPA rules

Bank account information is validated according to SEPA rules: IBAN validity, country-specific format, BIC structure, and overall data consistency.

Result: reliable, compliant bank account information that is ready for transactions.

IBAN validation
BIC validation and IBAN/BIC consistency
Data standardization (SEPA format)

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Advanced Fraud Detection

Automated analysis of bank account details to identify anomalies: forgery, visual inconsistencies, BIC validity, and data consistency. Real-time alerts are triggered in case of suspicion.

Result: Proactive risk detection and secure data.

Account Holder Verification (SEPAmail)
Detection of forged bank account details and visual anomalies
BIC verification (SWIFT database)
Verification of banking institution data consistency (BIC/Code)
Real-time alerts

rib-Fraud and Non compliance-carroussel-en-desktop

Results You Can Use Right Away

The extracted data is automatically structured and validated, ready to be integrated into your systems.

Result: Reliable, standardized, and immediately usable data.

Data structured in JSON
Validated IBAN
Verified BIC (SWIFT database)
Direct integration into your IT system

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Are you wondering…?

AITECA extracts the key banking details required for automation—the IBAN, BIC, and related information such as the bank code, branch code, account number, account holder name, and RIB code.

Our IDP service automatically applies a series of image preprocessing steps to optimize automatic data extraction, even on poorly scanned or poorly photographed documents. Here are a few examples:

Image straightening
Contrast enhancement for hard-to-read text
Reduction of noise and JPEG compression artifacts
Adaptive binarization to improve sharpness

AITECA does more than just perform OCR: the extracted IBAN is subject to systematic consistency checks, including validation of the format and the check digit (SEPA compliance). Cross-checks can also verify consistency between the IBAN, the bank code, and the BIC.

Yes, AITECA includes a SEPAmail validation feature; by default, this feature verifies the IBAN number and the first and last names extracted from the analyzed document. This feature ensures consistency between the account holder’s identity and the bank details (IBAN) by leveraging the SEPAmail interbank network.

Automation significantly reduces the risk of fraud involving fake bank account information by eliminating manual data entry and applying systematic, traceable checks to each document.

In particular, AITECA enables users to detect banking inconsistencies, verify data against reference databases (e.g., IBAN/BIC consistency), and, if necessary, activate additional checks such as SEPAmail.

Each check can trigger an alert, a warning, or a rejection, which can be integrated directly into your validation workflows.

How does AITECA ensure data security and GDPR compliance?

Data protection is at the heart of AITECA. Our solution is designed according to the principles of Privacy by Design:

100% hosting in France with an ISO 27001-certified partner, protected from the Cloud Act (public cloud, SecNumCloud, or on-premises, depending on your needs)
End-to-end encryption (TLS 1.3 + AES-256) and strict data compartmentalization
Automatic deletion of documents after processing
Your data is never used to train our AI models—a contractual commitment
Data Processing Agreement (DPA) provided as standard, in compliance with Article 28 of the GDPR
Designated DPO and comprehensive procedures for data subjects’ rights
ISO 27001:2022 certification across our entire SaaS scope
SOC 2 Type II certification provided by Microsoft (hosting provider)

A solution adopted by more than 650 companies

They chose simplicity

carac-image — “The advantage is that we're not starting from scratch: the documents and checks are natively integrated into the solution.”

**Myriam Souveton**
Marketing & Digital Manager

Carac

mnh-image — “We were able to process six times as much paper mail, email, and web-based correspondence with a virtually unchanged workforce.”

**Nathalie Le Saux**
Digital Project Manager

MNH

OCR Bank Account Information (IBAN)

Why automate bank account information extraction?