Bank Account: Country Requirements

Every country uses the same endpoint (POST /verify/account) and the same response shape; only the inputs differ. This page lists what each country expects: account and bank-code formats, extra required fields, and anything country-specific in the response. For the request/response flow itself, see the Bank Account guide.

Nigeria

10-digit NUBAN account number plus the bank's 6-digit code. The response includes the account holder's name, and may include address.state and address.lga depending on the bank.

{
  "accountNumber": "0123456789",
  "country": "NG",
  "bankCode": "000014"
}

Nigeria covers 400+ financial institutions. Fetch the full list at runtime with your API key:

curl https://api.uselira.com/api/v1/client/countries/NG/banks \
  -H "X-API-Key: YOUR_API_KEY"

Common codes are listed below.

Sandbox: account 0000000001 with bank code 000014 returns a predictable success.

Ghana

Standard account number plus the bank's 3-letter bankCode (e.g. GTB).

{
  "accountNumber": "1234567890",
  "country": "GH",
  "bankCode": "GTB"
}

Fetch the full list at runtime with your API key:

curl https://api.uselira.com/api/v1/client/countries/GH/banks \
  -H "X-API-Key: YOUR_API_KEY"

Supported bank codes are listed below.

Sandbox: account 1000000001 with bank code GCB returns a predictable success.

Kenya

Standard account number plus the bank's 2-digit code (e.g. 01 for KCB). Returns accountName, bankCode, and bankName, with no address fields.

{
  "accountNumber": "1234567890",
  "country": "KE",
  "bankCode": "01"
}

Sandbox: account 1000000011 with bank code 01 returns a predictable success (accountName: "Sandbox Wambui").

Kenya also supports M-Pesa verification (Lipa Na M-Pesa and M-Pesa Agent) — see Mobile Money.

Zambia

Standard account number plus the bank's 3-digit code. Returns accountName, bankCode, and bankName, with no address fields.

{
  "accountNumber": "1234567890",
  "country": "ZM",
  "bankCode": "023"
}

Tanzania

Standard account number plus the institution's 3-digit code. Tanzania routes through the national interoperability hub covering 16 banks and 5 mobile-money operators.

{
  "accountNumber": "2000000001",
  "country": "TZ",
  "bankCode": "003"
}

The response may include an identity object when the hub has it: typically a TIN for personal accounts, TIN or NIN for business accounts. Some business accounts omit this field.

Ethiopia

Standard account number plus the institution's 6-digit code. Ethiopia routes through the national interoperability hub covering 43 financial institutions (banks, microfinance institutions, and mobile wallets).

{
  "accountNumber": "1000000000001",
  "country": "ET",
  "bankCode": "231402"
}

Ethiopia uses corridor-specific error codes: INVALID_ACCOUNT (account not found at the bank) and UNKNOWN_BANK (bankCode not in the supported list), in place of the generic ACCOUNT_NOT_FOUND / INVALID_BANK_CODE.

Sandbox:

Uganda

Uganda is a name-match corridor: supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "UG", "accountNumber": "9030012345678", "bankCode": "EQBLUGKA", "accountName": "Sandbox Nakato" }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

Sandbox: account 1400000001 with bank code EQBLUGKA returns a predictable success.

South Africa

South Africa is an account-existence corridor. It confirms whether the account exists; it does not perform a name match. Supply the account number, the 6-digit branch code as bankCode, and the accountName (sent for a consistent request shape).

{ "country": "ZA", "accountNumber": "9999978653", "bankCode": "198605", "accountName": "Sandbox van der Merwe" }

verified: true means the account exists. The response does not include a match_score.

Sandbox: account 2500000001 with bank code 250655 returns a predictable existence confirmation.

United Kingdom

The UK is a name-match corridor: you supply the 8-digit account number, the 6-digit sort code (digits only, no dashes), and the name you expect on the account. The bank confirms whether the account exists and whether the name matches. It never discloses the registered name.

{
  "country": "GB",
  "accountNumber": "12345678",
  "bankCode": "200000",
  "accountName": "Jane Doe"
}

• verified: true: the name matched. The accountName in the response is the name you submitted, confirmed against the bank's record.
• verified: false: the account was not found or the name did not match. accountName is omitted.

China

China is a name-match corridor. Set accountHolderType to INDIVIDUAL and supply a UnionPay card number (16–19 digits, starting with 62).

{
  "country": "CN",
  "accountHolderType": "INDIVIDUAL",
  "accountNumber": "6228480402564890018",
  "bankCode": "CN-INDIV",
  "accountName": "王明"
}

Missing or unsupported accountHolderType returns VALIDATION_ERROR.

India

India is a name-match corridor. Supply the account number, the 11-character IFSC code as bankCode, and the accountName.

{ "country": "IN", "accountNumber": "1001000001", "bankCode": "HDFC0000001", "accountName": "Arjun Kumar" }

A successful match returns status: "success" with verified: true; branch on verified, not status.

Indonesia

Indonesia is a name-match corridor: supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "ID", "accountNumber": "2002000001", "bankCode": "BMRIIDJA", "accountName": "Budi Santoso" }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

Vietnam

Vietnam is a name-match corridor: supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "VN", "accountNumber": "3003000001", "bankCode": "BFTVVNVX", "accountName": "Nguyen Van A" }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

Nepal

Nepal is a name-match corridor: supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "NP", "accountNumber": "4004000001", "bankCode": "NABLNPKA", "accountName": "Ram Bahadur" }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

Pakistan

Pakistan is a name-match corridor: supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "PK", "accountNumber": "5005000001", "bankCode": "HABBPKKA", "accountName": "Ali Raza" }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

South Korea

South Korea is a name-match corridor: supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "KR", "accountNumber": "6006000001", "bankCode": "CZNBKRSE", "accountName": "Kim Min Jun" }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

Bangladesh

Bangladesh is a name-match corridor: supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "BD", "accountNumber": "7007000001", "bankCode": "MTBLBDDH", "accountName": "Rahim Uddin" }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

Malaysia

Malaysia is a name-match corridor: supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "MY", "accountNumber": "8008000001", "bankCode": "MBBEMYKL", "accountName": "Tan Wei Ming" }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

Thailand

Thailand is an account-existence corridor. It confirms whether the account exists; it does not perform a name match. accountName is still sent for a consistent request shape, but verified: true means the account exists, not that the name matched.

{ "country": "TH", "accountNumber": "9009000001", "bankCode": "BKKBTHBK", "accountName": "Somchai P" }

Philippines

Philippines is a format/syntax corridor. It validates the structure of the account; it does not confirm ownership or match a name. verified: true means the account format is valid.

{ "country": "PH", "accountNumber": "1010000001", "bankCode": "BOPIPHMM", "accountName": "Jose Cruz" }

Brazil

Brazil is a name-match corridor. Supply the IBAN as accountNumber, the holder's tax ID in identifiers — a CPF (individuals) or CNPJ (companies) — and the accountName. No bankCode is required; the routing is embedded in the IBAN.

{ "country": "BR", "accountNumber": "BR850000000000000000000000001", "accountName": "Maria Silva", "identifiers": [{ "type": "CPF", "value": "00000000000" }] }

A successful match returns status: "success" with verified: true. A mismatch or not-found returns status: "success" with verified: false — branch on verified, not on status.

Mexico

Mexico is a name-match corridor. Supply the 18-digit CLABE as accountNumber and the accountName. No bankCode is required; the CLABE encodes the destination bank.

{ "country": "MX", "accountNumber": "000000000000000013", "accountName": "Juan Perez" }

A successful match returns status: "success" with verified: true; branch on verified, not on status.

Argentina

Argentina is a name-match corridor. Supply the 22-digit CBU as accountNumber and the accountName. No bankCode is required; the CBU encodes the destination bank.

{ "country": "AR", "accountNumber": "0000000000000000000000", "accountName": "Ana Gomez" }

A successful match returns status: "success" with verified: true; branch on verified, not on status.

Peru

Peru is a name-match corridor. Supply the 20-digit CCI (Código de Cuenta Interbancario) as accountNumber and the accountName. No bankCode is required.

{ "country": "PE", "accountNumber": "00000000000000000020", "accountName": "Luis Diaz" }

A successful match returns status: "success" with verified: true; branch on verified, not on status.

Uruguay

Uruguay is a name-match corridor. Supply the account number, the bank BIC as bankCode, and the accountName to match.

{ "country": "UY", "accountNumber": "UY0000000001", "bankCode": "BROUUYMM", "accountName": "Sofia Sosa" }

A successful match returns status: "success" with verified: true; branch on verified, not on status.

Chile

Chile is a name-match corridor. Supply the account number, the bank's BIC or local clearing code as bankCode, the holder's RUT in identifiers, and the accountName.

{ "country": "CL", "accountNumber": "CL0000000001", "bankCode": "BCHICLRM", "accountName": "Maria Soto", "identifiers": [{ "type": "RUT", "value": "000000000" }] }

A successful match returns status: "success" with verified: true; branch on verified, not on status.

Colombia

Colombia is a name-match corridor. Supply the account number, the bank's BIC or local clearing code as bankCode, the holder's CC (individuals) or NIT (companies) in identifiers, and the accountName.

{ "country": "CO", "accountNumber": "CO0000000001", "bankCode": "COLOCOBM", "accountName": "Carlos Ruiz", "identifiers": [{ "type": "NIT", "value": "900000000" }] }

A successful match returns status: "success" with verified: true; branch on verified, not on status.

Ecuador

Ecuador is a name-match corridor. Supply the account number, the bank's BIC or local clearing code as bankCode, the holder's CC or RUC in identifiers, and the accountName.

{ "country": "EC", "accountNumber": "EC0000000001", "bankCode": "PICHECEQ", "accountName": "Pedro Mora", "identifiers": [{ "type": "RUC", "value": "0000000000001" }] }

A successful match returns status: "success" with verified: true; branch on verified, not on status.

Europe (SEPA)

Europe is a single name-match corridor covering 21 SEPA / Eurozone countries: Austria (AT), Belgium (BE), Bulgaria (BG), Croatia (HR), Cyprus (CY), Estonia (EE), Finland (FI), France (FR), Germany (DE), Greece (GR), Ireland (IE), Italy (IT), Latvia (LV), Lithuania (LT), Luxembourg (LU), Malta (MT), Netherlands (NL), Portugal (PT), Slovakia (SK), Slovenia (SI), and Spain (ES).

Supply the IBAN as accountNumber, the country (the IBAN's country), and the accountName to match. No bankCode is required — the IBAN carries the routing. EUR accounts only.

{ "country": "DE", "accountNumber": "DE89370400440532013000", "accountName": "Erika Mustermann" }

A strong name match returns status: "success" with verified: true; a partial/weak match or a not-found account returns status: "success" with verified: false — branch on verified, not on status. On verified: true the response echoes back the accountName you submitted; this corridor does not disclose a separately sourced account name. Every SEPA corridor is synchronous only (mode: "async" is not supported).

United Arab Emirates

The UAE is a name-match corridor. Supply the IBAN as accountNumber, the country (AE), and the accountName to match. No bankCode is required — the IBAN carries the routing. AED accounts only.

{ "country": "AE", "accountNumber": "AE070331234567890123456", "accountName": "Ahmed Al Mansoori" }

A successful match returns status: "success" with verified: true; branch on verified, not on status. On verified: true the response echoes back the accountName you submitted — this corridor does not disclose a separately sourced account name. The UAE corridor is synchronous only (mode: "async" is not supported).

Australia

Australia is a name-match corridor. Supply the account number, the 6-digit BSB (Bank State Branch code) as bankCode, and the accountName to match. AUD accounts only.

{ "country": "AU", "accountNumber": "123456789", "bankCode": "062000", "accountName": "Emily Chen" }

A successful match returns status: "success" with verified: true; branch on verified, not on status. On verified: true the response echoes back the accountName you submitted — this corridor does not disclose a separately sourced account name. The Australia corridor is synchronous only (mode: "async" is not supported).

United States

The United States is a name-match corridor. Supply the account number, the 9-digit ABA routing number as bankCode, and the accountName to match. USD accounts only.

{ "country": "US", "accountNumber": "123456789012", "bankCode": "021000021", "accountName": "Jane Smith" }

A successful match returns status: "success" with verified: true; branch on verified, not on status. On verified: true the response echoes back the accountName you submitted — this corridor does not disclose a separately sourced account name. The United States corridor is synchronous only (mode: "async" is not supported).

Sandbox: account 20000001 with ABA routing number 123456789 returns a predictable success.

Next steps