Bank Check

Overview

The UK Bank Account Check is a specialised service designed to verify the ownership of a UK bank account by an individual. This verification process ensures that the bank account details provided by a customer match their personal information, enabling businesses to confirm account authenticity and ownership with high confidence.

Check Type ID: 3

This is the check type used to validate the ownership of a UK bank account. It ensures the provided bank account details match the personal information of the account holder.

Required Profile Information

To perform a UK Bank Account Check, the following fields are required in the profile section of the request:

Personal Details:
- firstName (Required): The first name of the individual.
- lastName (Required): The last name of the individual.
- dateOfBirth (Required): Validates the individual against the bank’s internal records.
Bank Account Details:
- bankDetails.accountNumber (Required): The 8-digit bank account number.
- bankDetails.sortCode (Required): The 6-digit bank sort code in the format XXXXXX.
- bankDetails.openedDate (Optional): The date the account was opened, for additional accuracy.

See Request Structure for more information on structuring a request.

How It Works

Customer Data Submission:
- The customer provides their personal details (e.g., first name, last name, and date of birth) and bank account information (account number and sort code).
- This data is included in the profile section of the verification request payload.
Data Matching:
- The provided account details are matched against the bank’s internal records, ensuring that the account is registered to the named individual.
- This process confirms that the customer owns the supplied bank account.
Validation Process:
- The service validates the format and accuracy of the sort code and account number.
- If the bank account exists and matches the individual’s personal details, the check returns a "Pass" result.
- In cases of mismatched or incomplete data, the check provides specific failure details.

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Last updated 3 months ago

Overview

Check Type ID: 3

This is the check type used to validate the ownership of a UK bank account. It ensures the provided bank account details match the personal information of the account holder.

Required Profile Information

To perform a UK Bank Account Check, the following fields are required in the profile section of the request:

Personal Details:

firstName (Required): The first name of the individual.
lastName (Required): The last name of the individual.
dateOfBirth (Required): Validates the individual against the bank’s internal records.

Bank Account Details:

bankDetails.accountNumber (Required): The 8-digit bank account number.
bankDetails.sortCode (Required): The 6-digit bank sort code in the format XXXXXX.
bankDetails.openedDate (Optional): The date the account was opened, for additional accuracy.

See Request Structure for more information on structuring a request.

How It Works

Customer Data Submission:

The customer provides their personal details (e.g., first name, last name, and date of birth) and bank account information (account number and sort code).
This data is included in the profile section of the verification request payload.

Data Matching:

The provided account details are matched against the bank’s internal records, ensuring that the account is registered to the named individual.
This process confirms that the customer owns the supplied bank account.

Validation Process:

The service validates the format and accuracy of the sort code and account number.
If the bank account exists and matches the individual’s personal details, the check returns a "Pass" result.
In cases of mismatched or incomplete data, the check provides specific failure details.