API Status

Bank Account Verification

Compatible Cases

Icon 1

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 NameTypeLengthOptional/MandatoryNotes
AccountNumberString8Mandatory8 digits
SortCodeString8Mandatory6 digits plus 2 hyphens
ForenameString15MandatoryMaximum 15 characters
MiddleNamesString15OptionalMaximum 15 characters
SurnameString30MandatoryMaximum 30 characters
DayOfBirthInteger2Optional
MonthOfBirthInteger2Optional
YearOfBirthInteger4Optional
HouseNameString26Mandatory if no HouseNumber givenMaximum 26 characters
HouseNumberString26Mandatory if no HouseName givenMaximum 26 characters
CityString100Optional
PostcodeString8MandatoryMust 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

PropertyValue
HaltTriggeredUsually 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
ServiceTransactionResultMessageUsually 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

ScenarioExplanationForenameMiddlenameSurnameDay Of BirthMonth Of BirthYear Of BirthBank Sort CodeBank Account NumberHouse NumberStreetTownPostcode
FailSort Code / Account Number not validatedNicloeAlanNcube0510198809-01-2703299391549Cromwell RoadElyCB6 1AS
FailSort Code / Account Number not validatedVilamantosMAli1909199309-01-27032993911330Cromwell RoadElyCB6 1AS
FailSort Code valid less one digit / Account Number not validatedLeasaMariaGibson2103195709-01-2703299391623West Fen RoadElyCB6 1AN
FailSort Code valid less one digit / Account Number not validatedRdHuckle2010197909-01-270329939112Cromwell RoadElyCB6 1AS
FailSort Code valid less one digit / Account Number not validatedDan MosesBloomer3101198909-01-270329939133Cromwell RoadElyCB6 1AS
FailSort Code valid / Account Number not validatedMarlonDavenport0303198809-01-270329939130Cromwell RoadElyCB6 1AS
PassSort Code / Account Number validMelissaBonstow2004197860-15-28665998644000West Fen RoadElyCB6 1AN
PassSort Code / Account Number validBCraigSusca3010197111-00-51009719994023West Fen RoadElyCB6 1AN
PassSort Code / Account Number validJordanVMilstead1606197730-84-51393994683990West Fen RoadElyCB6 1AN
ReferSort Code valid / Account Number valid less one digitMajCBorovyk0606199109-01-28393499194007West Fen RoadElyCB6 1AN
ReferSort Code valid / Account Number valid less one digitGaneshAliceLilleystone0607198809-01-28792845004008West Fen RoadElyCB6 1AN
ReferSort Code valid / Account Number valid less one digitJohn DHaywrd0209199309-01-28376099434019West Fen RoadElyCB6 1AN

Docs not making sense? Please contact us so we can fix them: [email protected] :)