# XV-FI-10

Source: https://xmlvalid.com/rules/XV-FI-10

> The IBAN '…' is not valid: its check digits do not match, or a Finnish IBAN is not 18 characters (Finvoice 3.0 guidelines, 13).

- Level: error
- Rule sets: Finvoice 3.0 calculation and payment rules Implementation guidelines 2.6 (16 September 2025)
- Context: `/Finvoice/EpiDetails/EpiPartyDetails/EpiBeneficiaryPartyDetails/EpiAccountID[@IdentificationSchemeName = 'IBAN']`
- Test: `matches($iban, '^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$') and fi:iso7064($iban) and (not(starts-with($iban, 'FI')) or string-length($iban) = 18)`

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