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POST
/
v2
/
verification
/
bank-account
/
Bank Account Verification (v2)
curl --request POST \
  --url https://bgv.konnectnxt.com/api/v2/verification/bank-account/ \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "bank_account_no": "50269545",
  "bank_ifsc_code": "KKBK0005391",
  "penny_drop": true
}
'
{
  "status": "success",
  "code": 200,
  "message": "Operation completed successfully",
  "data": {
    "accountExists": "YES",
    "accountNumber": "98765432109876",
    "ifscCode": "SBIN0001234",
    "accountHolderName": "JOHN DOE",
    "bankName": "",
    "branchName": "",
    "branchAddress": "",
    "city": "",
    "state": "",
    "verificationStatus": "VERIFIED",
    "nameMatchScore": "",
    "isPennyDrop": true,
    "transactionRemark": "Bank Account Verified"
  },
  "credits_used": 10,
  "credits_remaining": 984148.5
}

​
Overview

The Bank Account Verification v2 API verifies bank account details in real-time by validating the account number and IFSC code combination. It provides comprehensive account information including holder name, bank details, and branch information. Optionally, penny drop verification can be performed for enhanced accuracy.

​
Key Features

  • ✅ Real-time Verification: Instant account validation
  • ✅ Account Holder Name: Retrieve registered account holder name
  • ✅ Bank Details: Complete bank and branch information
  • ✅ Penny Drop: Optional penny drop for enhanced verification
  • ✅ Name Matching: Optional name match score calculation
  • ✅ Branch Details: Full branch address, city, and state information

​
What’s New in v2

  • Simplified request parameters (bank_account_no and bank_ifsc_code)
  • Enhanced response with detailed bank branch information
  • Improved error handling with specific error codes
  • Better penny drop transaction tracking
  • Consistent response structure across all APIs

Authorizations

​
Authorization
string
header
required

API key issued by KonnectNXT. Pass as Authorization: Bearer <your_api_key>.

Body

application/json
​
bank_account_no
string
required

Bank account number (digits only, minimum 9 characters)

Minimum string length: 9
Pattern: ^[0-9]+$
Example:

"98765432109876"

​
bank_ifsc_code
string
required

IFSC code (11 characters: 4 letters + 0 + 6 alphanumeric). Example: SBIN0001234

Required string length: 11
Pattern: ^[A-Z]{4}0[A-Z0-9]{6}$
Example:

"SBIN0001234"

​
penny_drop
boolean
default:true

Whether to perform penny drop verification (deposits and verifies a small amount)

Example:

true

Response

Bank account verified successfully

​
status
enum<string>
required

Overall status of the API

Available options:
success,
error
​
code
integer
required

HTTP status code

Example:

400

​
message
string
required

Description of the response or error

Example:

"Invalid request parameters"

​
data
object
required
​
credits_used
integer
required

Represents the total number of credits used in this request.

Example:

3

​
credits_left
integer
required

Represents the remaining credits available for use.

Example:

4040