Bank validation API

Instantly verify UK bank account details for direct debits and money transfers using Postcoder bank validation.

Validate a sort code and account number

Validate a UK sort code and account number, and lookup additional information such as the bank address and whether the account supports direct debits and faster payments. By using this feature, you agree to our terms and conditions (see Schedule 4 in the Licence Agreement for specific bank validation terms).

Request URL and body

POST | https://ws.postcoder.com/pcw/[apikey]/bank

[
	{
		"sortcode": "[sortcode]",
		"accountnumber": "[accountnumber]"
	}					
]

Optional querystring parameters

ParameterDescriptionValuesDefault
formatSets the data format of the response; the default is json unless header of application/xml is detectedxml, jsonjson
identifierSets an identifier like "checkout" or "contactform" to help you group requests within your search history

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Response fields

FieldData typeDescriptionExample
validBooleanTrue / False indicating whether the sort code and account number are validTrue
stateidInteger0: This is a valid sortcode and account number combination
-1: This is not a valid sortcode
-2: This is not a valid sortcode and account number combination
0
sortcodeStringThe standardised version of the sort code; 6 digits long with no spaces or hyphens100000
accountnumberStringThe standardised version of the account number in the form expected for the Bankers' Automated Clearing System (BACS)31510604
directdebitsBooleanTrue / False indicating whether the bank account can accept Direct Debits; note that not all accounts (such as savings accounts) can accept Direct DebitsTrue
fasterpaymentsBooleanTrue / False indicating whether the bank account supports the Faster Payments Service (FPS)True
chapsBooleanTrue / False indicating whether the bank account supports sterling payments using the Clearing House Automated Payment System (CHAPS)True
bacsBooleanTrue / False indicating whether the bank account supports BACSTrue
bankbicStringThe Bank Identification Code (also known as the Swift Code) for the bank; an 8 to 11-character code that is used to identify the bank when you make an international transactionBKENGB33
branchbicStringThe Bank Identification Code (also known as the Swift Code) for the branch; an 8 to 11-character code that is used to identify the branch when you make an international transaction339
banknameStringThe full name of the bank which is formally approved by the Payment Systems RegulatorBANK OF ENGLAND
branchnameStringThe full name of the branch which is formally approved by the Payment Systems RegulatorHEAD OFFICE
addressline1StringThe contact address for the branch to be used for BACs enquiries; usually a contact centre rather than the branch's physical addressThreadneedle Street
addressline2String
addressline3String
addressline4String
posttownStringLondon
postcodeStringEC2R 8AH
phone1StringThe primary telephone number for BACs enquiries including the country code (where international) and the area code020 76014717
phone2StringThe secondary telephone number for BACs enquiries including the country code (where international) and the area code

Tips

  • We recommend you URL encode your request before submitting it
  • You don't need to remove spaces, dashes, brackets or other non-numeric characters from the input sort code and account number
  • The valid and stateid fields are always returned. The other response fields are only returned when the valid field is True
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