Bank Account Verification API

AI Tools

VERIFICATION OF ACTIVE BANK ACCOUNT AND NAME MATCHING WITH LEADING BANKS

API v1 Flow v1

Description

Bank account verification API offers an instant verification of active savings and current bank account, given account number and IFSC code. This API can be used to filter out inactive or invalid bank accounts before direct deposits or payouts (loans, transfers, micro lending, EMI, credits) to individuals and vendors.

The legacy data processing model is being formally deprecated.

In order to ensure continued compliance with the Digital Personal Data Protection Act, 2023 (DPDP Act), we are implementing DPDP V3 (Consent-Driven Processing). Under this framework, clients are required to obtain explicit, informed, and verifiable consent from the data principal prior to accessing, processing, viewing, or storing any personal data through the platform. This regulatory transition may require modifications to existing configurations and workflows. Clients are advised to review and update their implementations to ensure ongoing compliance with applicable data protection obligations. Further information regarding this transition can be enquired here. Learn more about this change here.

API Outcome

Account holder name Name of the bank account holder as registered with the bank.
Active status Status to validate if provided bank account is valid and active.
Status Code In case the account is found to invalid or flagged, status message describes the reason.

API Details

Request

Type	URL
Post	https://api.attestr.com/api/{version}/public/finanx/acc

Request Body Parameters

Type	Name	Description	Optional (Default)	Min Version
String	acc	Bank Account Number	Required	v1
String	ifsc	IFSC code of the bank branch	Required	v1
Boolean	fetchIfsc	Fetch IFSC details for the ifsc provided	Optional	v1

Request Header Parameters

Type	Name	Value / Description	Optional	Min Version	Max Version
String	Content-Type	application/json	Required	v1
String	Authorization	Basic `{authToken}`	Required	v1

Info

If you do not have the authentication token, please refer to Register App to generate one.

Sample Request

{ "acc": "501XXX2368XXXX" "ifsc": "HDFC0000314" }

Response

Http Status Code 200

Info

Please note that the valid key decides the availability of rest of the keys in the response. If provided account / ifsc are invalid, then all keys except valid and message are omitted. If true, remaining keys will have appropriate data.

Key	Description	Type	Min Version
valid	True \| false if the provided account and ifsc combination is valid, account exists and is active	Boolean	v1
name	Name of the account holder as per bank records	String	v1
message	Message if account / ifsc is invalid (available only if valid is false)	String	v1
suggestion	Suggested new IFSC codes after recent bank acquisitions and mergers. This is available if provided IFSC is invalid and there is a matching new IFSC code record in our database.	String	v1
status	A status code describing the reason if valid is false. It can have following values. ACTIVE: Account is valid and active, INVALID: Account number is invalid. BLOCKED: Account is currently blocked. CLOSED: Account is closed. NRE: Account is a NRE account. INVALID_IFSC: If Ifsc is invalid.	String	v1
ifsc	IFSC details for the ifsc code entered. Available only if fetchIfsc is passed as true. The structure of object is same as specified in IFSC Validation API response. IFSC validation service must be enabled in your account to use this option.	Object	v1

Sample Response

Sample response for the case when account and ifsc are both valid and account exists and is active too

{ "valid": true, "name": "Gitanjali Raheja", "status": "ACTIVE" }

Sample response for the case when account either does not exists or is inactive

{ "valid": false, "message": "Account is either invalid or flagged", "status": "BLOCKED" }

Sample response for the case when IFSC is invalid

{ "valid": false, "message": "Invalid IFSC code", "status": "INVALID_IFSC", "suggestion": "ABCD012341" }

Sample response when fetchIfsc is true.

{ "valid": true, "name": "GITALI RAHEJA", "ifsc": { "valid": true, "bank": "HDFC Bank", "code": "HDFC", "ifsc": "HDFC0000314", "micr": "110240043", "branch": "NEW DELHI - DARYA GANJ", "city": "DELHI", "district": "NEW DELHI", "state": "DELHI", "address": "4686-92 , 21-AANSARI ROAD,DARYAGANJNEW DELHINEW DELHI110002", "neft": true, "imps": true, "rtgs": true }, "status": "ACTIVE" }

Error Response

Parameter	Type	Description
code	Number	Unique error codes for different errors. Always available.
message	String	Error message describing the error. Always Available.
details	String	Detail error message. Available only for certain types of errors.

Error Codes

HTTP Status	Error Code	Error Message
400	4001	Malformed data or missing required parameter values
400	4005	Operation could not be performed due to low credits balance
401	4016	Invalid client authorization
403	4031	Unauthorized access
403	4035	Requested service is not provisioned for your account
403	4039	Client's IP address is not whitelisted
403	4035	Requested service is not provisioned for your account
429	4291	Maximum account rate limit exceeded
429	4292	Maximum API rate limit exceeded
429	4293	Maximum account daily limit exceeded
429	4294	Maximum API daily limit exceeded
500	5001	Request could not be processed
504	5041	Source or beneficiary bank is either offline or NPCI / IPMS is unavailable

Sample Error Response

{ "httpStatusCode": 400, "code": 4001, "message": "Malformed data or missing required parameter values" }

Last updated on Feb 3, 2026