Bank account verification API reference

Bank account verification

Verifies a bank account and returns the account holder name (penny drop).

Endpoint

POST https://api.finovel.in/v1/bank-verification

Charged only when the call succeeds. Errors are never charged. See how every API works for keys, retries and status codes.

Request fields

Field	Type	Required	Description
`id_number`	text	Yes	Account number
`ifsc`	text	Yes	IFSC
`ifsc_details`	checkbox	No	Include IFSC details

Example request

curl -X POST https://api.finovel.in/v1/bank-verification \
  -H "Authorization: Bearer fin_test_your_key" \
  -H "Content-Type: application/json" \
  -d '{"id_number":"123456789012","ifsc":"SBIN0000001","ifsc_details":true}'

Response fields

Inside data:

Field	Description
`account_exists`	Account exists
`full_name`	Account holder
`imps_ref_no`	IMPS reference
`ifsc_details.bank_name`	Bank
`ifsc_details.branch`	Branch

Example response from the sandbox

{
  "request_id": "req_...",
  "success": true,
  "status": "success",
  "environment": "sandbox",
  "message": "OK",
  "data": {
    "status": "success",
    "client_id": "bank_validation_sandbox",
    "full_name": "SANDBOX TEST USER",
    "imps_ref_no": "000000000000",
    "ifsc_details": {
      "branch": "Test Branch",
      "bank_name": "Sandbox Bank"
    },
    "account_exists": true
  },
  "error": null,
  "charged_paise": 0
}

Sandbox scenarios

With a test key, this API can return:

Not found (contains 0000)
Provider error (contains 9999)
Account exists (default)