public static function validate($bban)
{
if (mb_strlen($bban) !== 23) {
return false;
}
$key = substr($bban, -2);
$bank = substr($bban, 0, 5);
$branch = substr($bban, 5, 5);
$account = substr($bban, 10, 11);
$account = strtr($account, 'ABCDEFGHIJKLMNOPQRSTUVWXYZ', '12345678912345678923456789');
return 97 - bcmod(89 * $bank + 15 * $branch + 3 * $account, 97) === (int) $key;
}