Bank Account Verification in Zambia

Verify a Zambian bank account and retrieve the account holder's name before initiating a transfer.

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.

Make the verification request

curl -X POST https://api.lira.com/api/v1/verify/account \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "accountNumber": "1234567890",
    "country": "ZM",
    "bankCode": "023"
  }'

Request body fields

Field	Type	Required	Description
`accountNumber`	string	Yes	The bank account number to verify.
`country`	string	Yes	Always `ZM`.
`bankCode`	string	Yes	The bank's unique identifier. See the supported banks table below.
`mode`	string	No	`sync` (default) or `async`. Use `async` to receive the result via webhook.

Supported banks

Use one of the following bankCode values when verifying a Zambian bank account.

`bankCode`	Bank Name
`002`	Absa Bank
`003`	Access Bank
`005`	Access Bank (formerly ATMA)
`006`	Bank of China
`007`	Citibank
`008`	Ecobank
`010`	Indo Zambia Bank
`011`	Investrust Bank
`012`	First Alliance Bank
`013`	First Capital
`014`	FNB
`016`	Stanbic Bank
`017`	Standard Chartered Bank
`022`	United Bank for Africa
`023`	Zanaco
`025`	ZICB
`028`	AB Bank
`032`	Natsave
`033`	Access Bank
`036`	Bayport
`037`	Zambia National Building Society

Read the result

Successful verification

{
  "id": "ver_a1b2c3d4-...",
  "status": "success",
  "verificationType": "ACCOUNT_NUMBER",
  "identifier": "1234567890",
  "country": "ZM",
  "verifiedAt": "2026-04-08T10:05:00.000Z",
  "verified": true,
  "accountNumber": "1234567890",
  "accountName": "John Banda",
  "bankCode": "023",
  "bankName": "Zanaco"
}

Note: Zambian bank account verifications do not return address fields (state, lga). Only accountName, bankCode, and bankName are returned on success.

Failed verification

{
  "id": "ver_a1b2c3d4-...",
  "status": "failed",
  "verificationType": "ACCOUNT_NUMBER",
  "identifier": "1234567890",
  "country": "ZM",
  "verifiedAt": "2026-04-08T10:05:00.000Z",
  "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.

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	Check the `bankCode` against the supported banks table
`INVALID_ACCOUNT_NUMBER`	Account number format is invalid	Validate format before submitting
`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 Zambia — verify Zambian phone subscribers
Bank Account Overview — general bank account verification guide
Async Verification with Webhooks — receive results via webhook
Errors — complete error code reference

Bank Account in Ghana

Overview