All of our identity verification checks are available through a web-based solution or an integrated API.
Bank Account Validation and Verification
Instantly validate bank details and verify account ownership to reduce fraud, protect payments and speed up onboarding.
Avoid delays, bank fees & identity fraud
Stop fraud at the front door with real‑time bank account validation and verification (BAVV) for both customer and commercial bank accounts. Validate sort code and account number, then verify the named account holder to reduce identity fraud, prevent payment errors and meet risk‑based compliance standards.
Bank account validation VS Bank account verification
Relying on validation alone creates exposure to identity fraud, money laundering and mis‑directed payments.
Validation
Confirms the sort code and account number are correctly formatted and can exist.
Verification
Confirms the bank account belongs to the person (or business) you’re dealing with.
Improved customer experience
Review bank details provided by your customers at the point of onboarding to ensure safe, secure and smooth onboarding and achieve a typical match rate of up to 90%.
Real-time decisions
Real‑time decisions keep journeys flowing, ideal for Faster Payments, claims and instant withdrawals. We utilise data from two of the three major credit reference agencies in the UK to maximise match rates and reliability.
Meet risk‑based compliance standards
Support AML, KYC and payment assurance by evidencing that bank details belong to the declared individual or business.
Cut payment errors and fees
Improve first‑time success rates and avoid costly rework and indemnity claims.
Reduce fraud and financial crime
Verify account ownership before funds move. Our checks help you identify impersonation, muling and mis‑directed payouts early.
Frequently asked questions
Are you an existing customer? Talk to our customer support team.
How do you deliver the verification result?
What does a bank account verification validation check give me?
A bank account verification validation check confirms that the name and address provided matches the account number and sort code details given, ensuring accuracy and security.
Is this suitable for Faster Payments users?
Yes, responses are designed for real‑time onboarding and instant payouts.
How configurable are the rules?
You can set pass/fail thresholds and referral handling to suit your risk appetite, with full transparency of decision codes.
Request a batch verification trial
Share a sample file and we’ll run bank account verification on your records, showing pass, fail and referral outcomes with insights you can act on.
