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Bank Account Verification Verify bank account details instantly using account number and IFSC code. Returns account holder name, bank details, and account status.
Overview This endpoint helps businesses:
Verify bank account ownership
Validate IFSC codes
Get account holder name for verification
Confirm account status (Active/Inactive)
Request Bank account number (9-18 digits)
IFSC code of the bank branch (format: XXXX0XXXXXX)
If true (default), request is queued and result delivered via webhook. If false, wait for result synchronously (up to 30 seconds).
Header Value Required X-API-KeyYour API key Yes Content-Typeapplication/jsonYes
Example Request (Async Mode - Default) curl -X POST "https://api.txncheck.com/api/v1/bank-verification-pennyless" \ -H "X-API-Key: txncheck_your_api_key_here" \ -H "Content-Type: application/json" \ -d '{ "accountNumber": "920020056012360", "ifscNumber": "UTIB0000519" }'
Example Request (Sync Mode) curl -X POST "https://api.txncheck.com/api/v1/bank-verification-pennyless" \ -H "X-API-Key: txncheck_your_api_key_here" \ -H "Content-Type: application/json" \ -d '{ "accountNumber": "920020056012360", "ifscNumber": "UTIB0000519", "async": false }'
Response Async Mode (202)
Sync Mode (200)
202 Accepted Request accepted and queued for processing. Results will be delivered via webhook. { "statusCode" : 202 , "message" : "Request accepted and queued for processing" , "requestId" : "550e8400-e29b-41d4-a716-446655440000" , "status" : "QUEUED" }
Result Data (via webhook or polling) When the request completes, you’ll receive a webhook or can poll the status endpoint: { "requestId" : "550e8400-e29b-41d4-a716-446655440000" , "method" : "bank-verification-pennyless" , "status" : "COMPLETED" , "result" : { "bankVerification" : { "accountNumber" : "920020056012360" , "ifsc" : "UTIB0000519" , "nameAtBank" : "Alex Kumar" , "bankName" : "AXIS BANK" , "branchName" : "Mumbai Main Branch" , "accountType" : "Savings" , "accountStatus" : "Active" , "verifiedOn" : "2024-01-20T10:30:00Z" } }, "webhookStatus" : "SENT" , "createdAt" : "2025-01-11T10:30:00.000Z" , "completedAt" : "2025-01-11T10:30:02.000Z" }
200 OK Request completed synchronously. Result is returned in the response body. { "statusCode" : 200 , "requestId" : "550e8400-e29b-41d4-a716-446655440000" , "method" : "bank-verification-pennyless" , "status" : "COMPLETED" , "result" : { "bankVerification" : { "accountNumber" : "920020056012360" , "ifsc" : "UTIB0000519" , "nameAtBank" : "Alex Kumar" , "bankName" : "AXIS BANK" , "branchName" : "Mumbai Main Branch" , "accountType" : "Savings" , "accountStatus" : "Active" , "verifiedOn" : "2024-01-20T10:30:00Z" } }, "createdAt" : "2025-01-11T10:30:00.000Z" , "completedAt" : "2025-01-11T10:30:02.000Z" }
Sync mode has a 30-second timeout. If processing takes longer, you’ll receive a 408 Request Timeout error. Use async mode for potentially slow requests.
Result Fields Field Type Description accountNumberstring The verified bank account number ifscstring IFSC code of the bank branch nameAtBankstring Account holder name as registered with the bank bankNamestring Name of the bank branchNamestring Name of the bank branch accountTypestring Type of account (Savings, Current, etc.) accountStatusstring Account status (Active, Inactive, etc.) verifiedOnstring ISO 8601 timestamp of verification
Error Responses 400 Bad Request Invalid account number or IFSC format.
{ "statusCode" : 400 , "message" : [ "Account number must be 9-18 digits" , "IFSC must be in format XXXX0XXXXXX" ], "error" : "Bad Request" }
401 Unauthorized Invalid or missing API key.
{ "statusCode" : 401 , "message" : "Invalid API key" , "error" : "Unauthorized" }
402 Payment Required Insufficient account balance.
{ "statusCode" : 402 , "message" : "Insufficient wallet balance" , "error" : "Payment Required" }
403 Forbidden Method not enabled for your account.
{ "statusCode" : 403 , "message" : "Access to method 'bank-verification-pennyless' is not allowed" , "error" : "Forbidden" }
404 Not Found Bank account not found or invalid.
{ "statusCode" : 404 , "message" : "Bank account not found or invalid" , "error" : "Not Found" }
408 Request Timeout (Sync Mode Only) Request processing timed out. Only occurs with async: false.
{ "statusCode" : 408 , "message" : "Request processing timed out after 30 seconds. Use async mode or check status later with request ID: 550e8400-e29b-41d4-a716-446655440000" , "error" : "Request Timeout" }
429 Too Many Requests Rate limit exceeded.
{ "statusCode" : 429 , "message" : "Too Many Requests" , "error" : "Too Many Requests" }
Use Cases
Verify vendor bank accounts during registration to ensure payouts reach the correct recipients.
Validate borrower bank accounts before disbursing loans to prevent failed transactions.
Verify customer bank details before processing refunds to ensure successful credit.
Validate employee bank accounts during HR onboarding for seamless salary disbursements.
