Bank Validation API Instantly verify UK bank account details for direct debits and money transfers

Confirm UK bank account details before setting up payments.

How does bank validation work?

  • Validate UK sort codes & account numbers in real-time

    Postcoder enables you to instantly verify sort code and account number combinations, and identify whether an account supports direct debits, the Faster Payments Service (FPS) and CHAPS.

  • Transpose details into the required BACS format

    People fill-in their bank account details with additional spaces and hyphens in different places. Postcoder automatically transposes these details into the precise format expected required by BACS.

  • Lookup & autocomplete UK bank and branch details

    Postcoder provides the Bank Identifier Code (BIC), the bank and branch names, the sub-branch number, and the address and telephone numbers to use for BACS enquiries.

    View API resonse

Maintenance free and updated weekly icon

Maintenance free and updated weekly

Hosted by us in a secure, cloud environment, Postcoder provides your organisation with hassle-free access to the latest bank and account information, whenever you need it.

What are the benefits to bank validation?

  • Reduce fraud

    Strengthen your KYC checks and protect your organisation by ensuring people provide valid details.

  • Avoid failed payments

    Verify bank accounts and check whether they support direct debits, faster payments and CHAPS.

  • Minimise admin costs

    Avoid unnecessary bank charges and internal admin associated with re-processing failed payments.

  • Enhance customer experience

    Validate customer details in real-time and avoid the risk of asking them to correct their details later.

  • Improve employee satisfaction

    Reduce payroll issues and salary delays by validating employee bank details as soon as they're provided.

  • Autocomplete bank forms

    Automatically fill-in direct debit forms and bank forms with all required details, quickly and accurately.

An optimised developer experience

API keys are used for authentication and results are returned in JSON and XML formats.

Developer Docs

Postcoder has client libraries for:

  • Javascript
  • jQuery
  • Node
  • PHP
  • C Sharp
[
	{
		"valid": true,
		"stateid": 0,
		"sortcode": "100000",
		"accountnumber": "31510604",
		"directdebits": true,
		"fasterpayments": true,
		"chaps": true,
		"bacs": true,
		"bankbic": "BKENGB33",
		"branchbic": "XXX",
		"bankname": "BANK OF ENGLAND",
		"branchname": "HEAD OFFICE",
		"addressline1": "Threadneedle Street",
		"addressline2": "",
		"addressline3": "",
		"addressline4": "",
		"posttown": "London",
		"postcode": "EC2R 8AH",
		"phone1": "020 34614717",
		"phone2": ""
	}
]
<BankValidation xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <valid>true</valid>
    <stateid>0</stateid>
    <sortcode>100000</sortcode>
    <accountnumber>31510604</accountnumber>
    <directdebits>true</directdebits>
    <fasterpayments>true</fasterpayments>
    <chaps>true</chaps>
    <bacs>true</bacs>
    <bankbic>BKENGB33</bankbic>
    <branchbic>XXX</branchbic>
    <bankname>BANK OF ENGLAND</bankname>
    <branchname>HEAD OFFICE</branchname>
    <addressline1>Threadneedle Street</addressline1>
    <addressline2 />
    <addressline3 />
    <addressline4 />
    <posttown>London</posttown>
    <postcode>EC2R 8AH</postcode>
    <phone1>020 34614717</phone1>
    <phone2 />
</BankValidation>
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