Bank Verification

Requirements

• API key pair
• Webhook set up
• Bank verification credits

Bank Verification Service for Enhanced Compliance

• Verify customers instantly using open banking integration.
• Streamline onboarding by letting users log in with bank credentials.
• Access identity data and transaction history from 2,500+ European banks.
• Analyze transactions, assess risk profiles, and automate proof of funds.
• Ensure compliance with detailed audit logs and secure data handling.

Read more

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Bank Verification API Integration

Generating a Bank Verification Token

Generate bank verification token

https://ivs.idenfy.com/bank/tokens/

Authorizations:

API key pair

Request Body schema: application/json

lifetime	integer [ 0 .. 2592000 ] Default: 3600 The duration in seconds of bank verification token validity.
	(BankTokenCountryEnum (string or null)) or (NullEnum (any or null))
bank	string or null <= 32 characters
	object (BankAccessRequest)

Responses

Request samples

• Payload

Content type

application/json

{

• "lifetime": 3600,
• "country": "AT",
• "bank": "string",
• "access": {

  • "accounts": false,
  • "balances": false,
  • "transactions": false

  }

}

Response samples

• 201

Content type

application/json

{

• "tokenString": "string",
• "expiration": "2019-08-24T14:15:22Z",
• "isValid": true,
• "country": "AT",
• "bank": "string",
• "access": {

  • "accounts": false,
  • "balances": false,
  • "transactions": false

  }

}

creating redirection link

Appended generated tokenString with the link https://bank-verification.ui.idenfy.com/?token= to provide to end-user.

URL: https://bank-verification.ui.idenfy.com/?token=LVS8YgSTTVuXAHiur10yCabIAWLizUlX

Webhook Response

Once the end-user completes Bank Verification, you will receive a webhook notification with the response.

Bank verification Webhook

This notification is sent when a bank verification is completed.

Find info about webhook signing here.

header Parameters

Idenfy-Event-Type required	string Value: "BANK_VERIFICATION"
Idenfy-Signature	string Webhook signature

Request Body schema: application/json

required

id required	string <uuid>
	(CountryEnum (string or null)) or (NullEnum (any or null))
bank	string or null <= 32 characters
required	Array of objects or null (BankAccountWebhook)
required	(RiskLevelEnum (string or null)) or (NullEnum (any or null))

Responses

Request samples

• Payload

Content type

application/json

{

• "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
• "country": "AF",
• "bank": "string",
• "accounts": [

  • {

    • "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",
    • "name": "string",
    • "iban": "string",
    • "currency": "str",
    • "balancesOverview": {

      • "bookedBalance": 0.1,
      • "availableBalance": 0.1

      },
    • "transactionsCount": 0.1

    }

  ],
• "riskLevel": "VERY_LOW"

}

---

Listing Account Transactions

List bank verification account transactions

https://ivs.idenfy.com/bank/verifications/{verificationId}/accounts/{accountId}/transactions/

Authorizations:

API key pair

path Parameters

accountId required	string
verificationId required	string

query Parameters

page	integer A page number within the paginated result set.
perPage	integer Number of results to return per page.

Responses

Response samples

• 200

Content type

application/json

{

• "count": 123,
• "next": "http://api.example.org/accounts/?page=4",
• "previous": "http://api.example.org/accounts/?page=2",
• "results": [

  • {

    • "creditor": {

      • "fullName": "string"

      },
    • "debtor": {

      • "fullName": "string"

      },
    • "bookingDate": "2019-08-24",
    • "transactionDate": "2019-08-24",
    • "transactionAmount": {

      • "amount": "string",
      • "currency": "str"

      }

    }

  ]

}