Validate payment details
before money moves
Check IBAN, BIC/SWIFT codes and local routing numbers with one reliable REST API.
Catch invalid bank details early and return structured data your payment workflow can use.
# Learn more: http://fincodesapi.test/bic-code-validation $ curl 'https://api.fincodesapi.com/v2/bic/NATAAU33033' \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' { "success": true, "data": { "id": "NATAAU33033", "address": "500 BOURKE STREET, FLOOR 24", "postcode": "3000", "branch_name": "(HEAD OFFICE)", "branch_code": "033", "country": { "id": "AU", "name": "Australia" }, "city": { "id": "3d2859b1-aa63-46dd-90d2-9ded52bbce22", "country_id": "AU", "name": "Melbourne" }, "bank": { "id": "d7744803-1288-4955-9f53-05eb26bbef8e", "country_id": "AU", "code": "NATA", "name": "NATIONAL AUSTRALIA BANK LIMITED" } } }
# Learn more: http://fincodesapi.test/iban-number-validation $ curl 'https://api.fincodesapi.com/v2/iban/FR7630006000011234567890189' \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' { "success": true, "data": { "id": "FR7630006000011234567890189", "account_number": "1234567890189", "national_bank_code": "30006", "national_branch_code": "00001", "bic": { "id": "AGRIFRPP", "address": "12 PLACE DES ETATS-UNIS", "postcode": "92120", "branch_name": "(HEAD OFFICE)", "branch_code": "", "country": { "id": "FR", "name": "France" }, "city": { "id": "a3e9cd32-d241-475a-89bb-41f9621be4e5", "country_id": "FR", "name": "Montrouge" }, "bank": { "id": "fff72551-720a-4c37-b430-32d747634905", "country_id": "FR", "code": "AGRI", "name": "CREDIT AGRICOLE SA" } }, "country": { "id": "FR", "name": "France" } } }
# Learn more: http://fincodesapi.test/us-aba-rtn-number-validation $ curl 'https://api.fincodesapi.com/v2/rtn/026003780' \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' { "success": true, "data": { "id": "026003780", "ach": { "new_id": null, "servicing_frb_id": "021001208", "address": "60 WALL STREET", "postcode": "10005-0000", "phone": "201 593-7610", "record_type_code": 1, "is_main_office": true, "change_date": "2021-01-11", "bank": { "id": "b14a4d8e-9b7c-4f6a-8d2e-3c5f1a7e3d2f", "country_id": "US", "code": "0026", "name": "DEUTSCHE BANK TRUST CO" }, "city": { "id": "c2a8b3d5-6e7f-4c5b-9a2d-1f3e8c7b6a5d", "country_id": "US", "name": "NEW YORK", "state": "NY" } }, "wire": { "telegraphic_name": "DEUTSCHE BK NY", "is_funds_transfer_allowed": true, "is_settlement_only": false, "is_securities_transfer_allowed": true, "change_date": null, "bank": { "id": "b14a4d8e-9b7c-4f6a-8d2e-3c5f1a7e3d2f", "country_id": "US", "code": "0026", "name": "DEUTSCHE BANK TRUST CO" }, "city": { "id": "c2a8b3d5-6e7f-4c5b-9a2d-1f3e8c7b6a5d", "country_id": "US", "name": "NEW YORK", "state": "NY" } } } }
# Learn more: http://fincodesapi.test/canada-routing-number-validation $ curl 'https://api.fincodesapi.com/v2/crn/24182-001' \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' { "success": true, "data": { "id": "24182-001", "branch_name": "King & University", "address": "200 King St. W.", "city": "Toronto", "province": "ON", "postcode": "M5H 3T4", "institution_type": 1, "bank": { "id": "2a8e87fd-ba6f-443f-a437-c59081730566", "country_id": "CA", "code": "001", "name": "BANK OF MONTREAL" } } }
# Learn more: http://fincodesapi.test/bsb-number-validation $ curl 'https://api.fincodesapi.com/v2/bsb/082-024' \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' { "success": true, "data": { "id": "082-024", "branch_name": "World Square", "address": "Shp 10-33 Upp Gnd Lvl 686 George St", "suburb": "Sydney", "state": "NSW", "postcode": 2000, "peh": "PEH", "bank": { "id": "6ab9a942-51ca-4e5f-ab17-32612d787ed4", "country_id": "AU", "code": "NAB", "name": "National Australia Bank" } } }
# Learn more: http://fincodesapi.test/ncc-code-validation $ curl 'https://api.fincodesapi.com/v2/ncc/010205' \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' { "success": true, "data": { "id": "010205", "branch_name": "ANZ Retail", "address": "170 Featherston street", "city": "Wellington", "postcode": "6011", "phone": "0800 269 296", "fax": "", "pob_number": "PO Box 18", "pob_location": "Shortland Street, Auckland", "pob_postcode": "1140", "bank": { "id": "dae732d9-535d-4dcd-9719-a0957a4afedd", "country_id": "NZ", "code": "01", "name": "ANZ Bank New Zealand" } } }
# Learn more: http://fincodesapi.test/ifsc-code-validation $ curl 'https://api.fincodesapi.com/v2/ifsc/ABHY0065022' \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' { "success": true, "data": { "id": "ABHY0065022", "branch_name": "CBD BELAPUR", "branch_code": "065022", "address": "SECTOR-3, CHANAKYA SHOPPING CENTRE, BELAPUR (CBD), NAVI MUMBAI-400614", "district": "GREATER MUMBAI", "city": "MUMBAI", "state": "MAHARASHTRA", "std": "22", "phone": "27572179", "bank": { "id": "1bc55546-de33-478a-a9d7-745d0b2567eb", "country_id": "IN", "code": "ABHY", "name": "ABHYUDAYA COOPERATIVE BANK LIMITED" } } }
# Learn more: http://fincodesapi.test/clabe-number-validation $ curl 'https://api.fincodesapi.com/v2/clabe/002010077777777771' \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' { "success": true, "data": { "id": "002010077777777771", "account_number": "07777777777", "bank": { "id": "60ad62b6-26cf-4686-960b-e06219e0e0b1", "country_id": "MX", "code": "002", "name": "Banco Nacional de M\u00e9xico" }, "cities": [ { "id": "80c7c515-a340-49ed-b3fe-4cef261451c4", "country_id": "MX", "name": "Aguascalientes" } ] } }
# Learn more: http://fincodesapi.test/cbu-number-validation $ curl 'https://api.fincodesapi.com/v2/cbu' \ > --request POST \ > --header 'X-Api-Key: your-api-key-here' \ > --header 'Accept: application/json' \ > --header 'Content-Type: application/json' \ > --data '{"cbu":"2850590912345678901233"}' { "success": true, "data": { "id": "2850590912345678901233", "account_number": "1234567890123", "branch_code": "0590", "bank": { "id": "f1f5b5a8-c83d-4d9b-8224-0a1a2f5c0d62", "country_id": "AR", "code": "285", "name": "Banco Macro" } } }
One integration
for every banking workflow
Give your application a consistent way to check payment identifiers across international and domestic banking systems.
Catch errors early
Find malformed or unknown bank details before they cause rejected payments, delays, or manual investigation.
Enrich payment records
Return country, bank, branch, city, address, and routing information in a structured API response.
Scale across countries
Use one API for IBAN, BIC/SWIFT, ABA/RTN, BSB, NCC, IFSC, CLABE, CBU, and Canadian routing numbers.
Put validation wherever bank details enter your system
Use the API during customer onboarding, supplier setup, payout creation, checkout, or payment processing. Validate once, then pass a cleaner, more useful record into the next step.
Explore the API documentationFintech and payments
Validate beneficiary details before initiating transfers or payouts.
Accounting and ERP
Check supplier banking information when records are created or changed.
Marketplaces
Screen seller and contractor payout details during onboarding.
Payroll systems
Validate employee bank details before payroll processing.
Identifier validation is not account ownership verification
The API confirms that a code has the expected structure and maps to available banking data. It cannot independently confirm that an account is open, belongs to a named beneficiary, or accepts a particular payment.
Add Verification of Payee for SEPAValidate the identifier
Check format, country, bank, branch, and routing data before processing.
Verify the payee when needed
For supported SEPA IBANs, compare the submitted payee name with account-holder information through VoP.
Keep your approval controls
Combine API results with your own fraud, ownership, and payment approval processes.
Start validating bank details today
Create an account, get an API key, and test your first validation request in minutes.