Bank Account Verification

Compatible Cases

About the service

A bank account verification service for the UK. This service applies to individual and joint personal current accounts in the UK only. It cannot be used with business bank accounts.

Product Code: W2-DATA-BANK_ACC_VER-UK-007

Does this service leave a credit search Footprint? Yes

Request

The following QueryData elements pertain to this service.

Property Name	Type	Length	Optional/Mandatory	Notes
AccountNumber	String	8	Mandatory	8 digits
SortCode	String	8	Mandatory	6 digits plus 2 hyphens
Forename	String	15	Mandatory	Maximum 15 characters
MiddleNames	String	15	Optional	Maximum 15 characters
Surname	String	30	Mandatory	Maximum 30 characters
DayOfBirth	Integer	2	Optional
MonthOfBirth	Integer	2	Optional
YearOfBirth	Integer	4	Optional
HouseName	String	26	Mandatory if no HouseNumber given	Maximum 26 characters
HouseNumber	String	26	Mandatory if no HouseName given	Maximum 26 characters
City	String	100	Optional
Postcode	String	8	Mandatory	Must be a valid UK postcode

Example request

"Data": {
  	"AccountNumber": "12345678",
  	"City": "Crawley",
  	"DayOfBirth": 31,
  	"Forename": "Billy",
  	"HouseNumber": "68",
  	"MonthOfBirth": 12,
  	"Postcode": "RH13 3HE",
  	"SortCode": "12-13-14",
  	"Surname": "Jones",
  	"YearOfBirth": 1944
  }

Response

Example response

The example shows a case where we have found one NameAndAddress match and valid AccountNumber and SortCode.

"bankAccountVerificationResult": {
      	"characteristics": [{
      			"code": "RNILF04",
      			"value": "289"
      		}, {
      			"code": "ESC41",
      			"value": "1"
      		}, {
      			"code": "SSC5",
      			"value": "M"
      		}, {
      			"code": "CSC1",
      			"value": "1"
      		}, {
      			"code": "ASC200",
      			"value": "M"
      		}, {
      			"code": "ASC201",
      			"value": "M"
      		}, {
      			"code": "A_E101",
      			"value": "1"
      		}, {
      			"code": "A_N101",
      			"value": "1"
      		}, {
      			"code": "A_C12",
      			"value": "N"
      		}, {
      			"code": "A_C13",
      			"value": "N"
      		}, {
      			"code": "LSC157",
      			"value": "C"
      		}, {
      			"code": "LSC173",
      			"value": "C"
      		}, {
      			"code": "LSC250",
      			"value": "1"
      		}, {
      			"code": "ZSC006",
      			"value": "1"
      		}, {
      			"code": "ZSC007",
      			"value": "C"
      		}, {
      			"code": "ZSC026",
      			"value": "10"
      		}, {
      			"code": "ZSC027",
      			"value": "C"
      		}, {
      			"code": "LSC074",
      			"value": "C"
      		}, {
      			"code": "YSC827",
      			"value": "G"
      		}, {
      			"code": "YSC877",
      			"value": "R"
      		}, {
      			"code": "YSC301",
      			"value": "11"
      		}, {
      			"code": "YSC351",
      			"value": "L"
      		}, {
      			"code": "DSC1",
      			"value": "Y"
      		}, {
      			"code": "ESC941",
      			"value": "1"
      		}, {
      			"code": "FSC3",
      			"value": "Y"
      		}, {
      			"code": "QSC001",
      			"value": "1"
      		}, {
      			"code": "KSC156",
      			"value": "C"
      		}, {
      			"code": "KHC002",
      			"value": "114950"
      		}, {
      			"code": "KHC020",
      			"value": "197147"
      		}, {
      			"code": "KHC043",
      			"value": "A"
      		}, {
      			"code": "KHC202",
      			"value": "M"
      		}, {
      			"code": "KHC301",
      			"value": "88"
      		}, {
      			"code": "KHC404",
      			"value": "564"
      		}, {
      			"code": "WCF507",
      			"value": "M"
      		}, {
      			"code": "QSC070",
      			"value": "1"
      		}, {
      			"code": "QSC074",
      			"value": "1"
      		}, {
      			"code": "QSC034",
      			"value": "1"
      		}
      	],
      	"interpretResult": "Pass",
      	"matchingFields": [{
      			"fieldLabel": "Account number confirmation",
      			"isValid": true,
      			"value": "Valid"
      		}, {
      			"fieldLabel": "Sort code confirmation",
      			"isValid": true,
      			"value": "Valid"
      		}, {
      			"fieldLabel": "Age of account",
      			"isValid": true,
      			"value": "36 Months"
      		}, {
      			"fieldLabel": "Name Match",
      			"isValid": true,
      			"value": "MELISSA BONSTOW"
      		}, {
      			"fieldLabel": "Address Match",
      			"isValid": true,
      			"value": "4000, WEST FEN ROAD, CB6 1AN"
      		}
      	],
     	"message": "This service has passed as the bank account number and sort code have successfully matched",
      	"scores": [],
      	"transactionResult": "Success"
      }

Transaction Response breakdown

Property	Value
HaltTriggered	Usually false, but can be true if this service is used within a bundle that can trigger a halt condition.
ServiceTransactionResult	- Success - SuccessIncompleteResults- Too many matches on the search criteria and the results have been truncated - SuccessNoResults- No matches found - ServerErrorGeneralError- An error occurred - ServiceFailureError- Unable to contact third party service - ClientErrorInsufficientInformation - Required field not supplied or insufficient/invalid information
ServiceInterpretResult	- Pass - QSC070 (Sort Code Verification) = 1 AND QSC074 (Account Number Verification) = 1 - Fail - QSC070 (Sort Code Verification) NOT = 1 (or 2 if the other is a 2) or QSC074 (Account Number Verification) NOT = 1 (or 2 if the other is a 2) - Refer - QSC070 (Sort Code Verification) = 2 AND QSC074 (Account Number Verification) = 1 or QSC070 (Sort Code Verification) = 1 AND QSC074 (Account Number Verification) = 2 or QSC070 (Sort Code Verification) = 2 AND QSC074 (Account Number Verification) = 2 - NoInterpretPerformed - NotPerformed - An error occurred and the search was not performed
CharacteristicResultValues	- N: Sort Code / Account Number not supplied - X: Sort Code / Account Number invalid - H: Sort Code / Account Number validation not available - M: No Data - C: No Qualifying Accounts - A: Sort Code / Account Number not validated - 1: Sort Code / Account Number valid - 2: Sort Code / Account Number valid less one digit - 3: Account Number valid at 6 bytes
ServiceTransactionResultMessage	Usually empty, can contain optional information such as too many matches etc.
ValidationResult	- Pass - NotPerformed- No search occurred to match against - Fail - MissingMandatoryField or PatternNotMatched

Sandbox

Sandbox mode can be used to test the service.

By setting the following query option and sending some the below query data we will return a pre-configured response without actually calling our suppliers.

Example request

{
    "Bundle": "BankAccountVerification007",
    "Data": {
		"AccountNumber": "03299391",
		"SortCode": "09-01-27",
		"Forename": "Nicloe",
		"Surname": "Ncube",
		"DayOfBirth": 5,
		"MonthOfBirth": 10,
		"YearOfBirth": 1988,
		"HouseNumber": "549",
		"Street": "Cromwell Road",
		"Town": "Ely",
		"Postcode": "CB6 1AS"
    },
    "Options": {
        "Sandbox": "true"
    },
    "ClientReference": "your-client-reference"
}

Sandbox Cases

Scenario	Explanation	Forename	Middlename	Surname	Day Of Birth	Month Of Birth	Year Of Birth	Bank Sort Code	Bank Account Number	House Number	Street	Town	Postcode
Fail	Sort Code / Account Number not validated	Nicloe	Alan	Ncube	05	10	1988	09-01-27	03299391	549	Cromwell Road	Ely	CB6 1AS
Fail	Sort Code / Account Number not validated	Vilamantos	M	Ali	19	09	1993	09-01-27	03299391	1330	Cromwell Road	Ely	CB6 1AS
Fail	Sort Code valid less one digit / Account Number not validated	Leasa	Maria	Gibson	21	03	1957	09-01-27	03299391	623	West Fen Road	Ely	CB6 1AN
Fail	Sort Code valid less one digit / Account Number not validated	Rd		Huckle	20	10	1979	09-01-27	03299391	12	Cromwell Road	Ely	CB6 1AS
Fail	Sort Code valid less one digit / Account Number not validated	Dan Moses		Bloomer	31	01	1989	09-01-27	03299391	33	Cromwell Road	Ely	CB6 1AS
Fail	Sort Code valid / Account Number not validated	Marlon		Davenport	03	03	1988	09-01-27	03299391	30	Cromwell Road	Ely	CB6 1AS
Pass	Sort Code / Account Number valid	Melissa		Bonstow	20	04	1978	60-15-28	66599864	4000	West Fen Road	Ely	CB6 1AN
Pass	Sort Code / Account Number valid	B	Craig	Susca	30	10	1971	11-00-51	00971999	4023	West Fen Road	Ely	CB6 1AN
Pass	Sort Code / Account Number valid	Jordan	V	Milstead	16	06	1977	30-84-51	39399468	3990	West Fen Road	Ely	CB6 1AN
Refer	Sort Code valid / Account Number valid less one digit	Maj	C	Borovyk	06	06	1991	09-01-28	39349919	4007	West Fen Road	Ely	CB6 1AN
Refer	Sort Code valid / Account Number valid less one digit	Ganesh	Alice	Lilleystone	06	07	1988	09-01-28	79284500	4008	West Fen Road	Ely	CB6 1AN
Refer	Sort Code valid / Account Number valid less one digit	John D		Haywrd	02	09	1993	09-01-28	37609943	4019	West Fen Road	Ely	CB6 1AN

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