1. Introduction

This API is part of the BAV service.
Bank Account Verification or BAV for short is a service providing an API for verification of bank accounts within the issuing bank. This service checks if the bank account exists with the issuing bank is active and matches the owner provided by you.

Endpoint URL

The API endpoint for accessing the BAV information is: https://api.iban.com/clients/verify/v2/

Supported Countries

Currently, the BAV Service supports bank account verification for France.

2. Request

HTTP Method

The API supports HTTP POST request.

Request Headers

To authenticate you as our client, you need to send the API key in the headers of the request.

Request Body

Example Requests

curl "https://api.iban.com/clients/api/verify/v2/" \
	-X POST \
	-H x-api-key=[YOUR_API_KEY] \
	-d '{
			"country":"FR",
			"IBAN":"FR7630006000011234567890189",
			"account_type":"person",
			"name":"John Doe"
		}'

curl "https://api.iban.com/clients/api/verify/v2/" \
	-X POST \
	-H x-api-key=[YOUR_API_KEY] \
	-d '{
			"country":"FR",
			"IBAN":"FR7630006000011234567890189",
			"account_type":"company",
			"SIREN":"432987654"
		}'

3. Response

Response Format

The API returns a JSON object with the following fields:

query

The query object contains information about the query request.

account_valid

The account_valid field indicates whether the bank account number is and exists with the issuing bank.
Possible values are 'true', 'false' and 'null' in case check cannot be carried out.

name_match

The name_match field indicates whether the name you provided matches the owner of the account.
Possible values for this field are 'Yes', 'No', 'Partial'.
Partial indicates that part of the name matches the account owner.

error

The error field provides a human readable message describing any error occurred during the validation process.

Example Response

{
	"query": {
		"country": "FR",
		"bank_code": null,
		"account": null,
		"IBAN": "FR7630006000011234567890189", 
		"name": "John Doe",
		"success": true
	},
	"account_valid": true,
	"name_match": "Yes",
	"error": null
}

4. Response timing

API response times may vary depending on the country/provider.

For France average response time is 50 seconds.

5. Error Handling

If an error occurs during the request, the API may return an appropriate HTTP status code along with an error response in the JSON format. Common error fields may include:

Ensure to handle error responses gracefully and provide appropriate feedback to users.