Bank Account Verification in Nigeria

Verify a Nigerian bank account using a 10-digit NUBAN account number and the bank's routing code.

Prerequisites

You'll need an API key. See Quickstart or Authentication if you don't have one yet.

Note: Verification endpoints use an API key in the X-API-Key header — not a Bearer token. Verification POST requests also require an Idempotency-Key header.

Make the verification request

curl -X POST https://api.lira.com/api/v1/verify/account \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Idempotency-Key: YOUR_IDEMPOTENCY_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "0123456789",
    "country": "NG",
    "bankCode": "044"
  }'

Request body fields

Field	Type	Required	Description
`accountNumber`	string	Yes	10-digit NUBAN account number.
`country`	string	Yes	Always `NG`.
`bankCode`	string	Yes	The bank's routing or sort code (e.g. `044` for Access Bank).
`mode`	string	No	`sync` (default) or `async`. Use `async` to receive the result via webhook.

Sandbox: Use account number 0000000000 with bank code 044 and country NG for a predictable successful result. See Environments for the full list of sandbox test data.

Read the result

Successful verification

{
  "id": "a1b2c3d4-...-...-...-...",
  "status": "success",
  "verificationType": "ACCOUNT_NUMBER",
  "identifier": "0123456789",
  "country": "NG",
  "verifiedAt": "2026-03-09T10:05:00.000Z",
  "verified": true,
  "accountNumber": "0123456789",
  "accountName": "Jane Doe",
  "bankCode": "044",
  "bankName": "Access Bank",
  "address": {
    "state": "Lagos",
    "lga": "Ikeja"
  }
}

Note: Nigerian bank account verifications may return address.state and address.lga (local government area). These fields may be absent depending on the bank.

Failed verification

{
  "id": "a1b2c3d4-...-...-...-...",
  "status": "failed",
  "verificationType": "ACCOUNT_NUMBER",
  "identifier": "0123456789",
  "country": "NG",
  "verifiedAt": "2026-03-09T10:05:00.000Z",
  "verified": false,
  "error": {
    "code": "ACCOUNT_NOT_FOUND",
    "message": "No account found for the provided details"
  }
}

Note: A 200 OK HTTP response does not mean the verification succeeded. Always check the status field.

Nigeria-specific notes

Nigerian bank accounts use the 10-digit NUBAN (Nigeria Uniform Bank Account Number) format. Validate the account number length before submitting.
The bankCode is the bank's CBN-assigned routing code.

Error handling

`error.code`	Cause	Action
`ACCOUNT_NOT_FOUND`	Account number not found at the specified bank	Ask the user to check their account number and bank code
`INVALID_BANK_CODE`	Bank code not recognised	Validate against the supported banks
`INVALID_ACCOUNT_NUMBER`	Account number format is invalid	Ensure the account number is exactly 10 digits
`PROVIDER_ERROR`	Upstream system returned an error	Retry with exponential backoff
`PROVIDER_TIMEOUT`	Upstream system timed out	Retry — transient error

For the full error code reference, see Errors.

Next steps

Phone Number in Nigeria — verify Nigerian phone subscribers
Bank Account Overview — general bank account verification guide
Async Verification with Webhooks — receive results via webhook
Errors — complete error code reference

Overview

Bank Account in Ghana