Overview
Trulioo Bank Account Verification is a real-time API capability that validates account existence and confirms ownership match between a bank account and the individual or business entity on record - before any funds are disbursed.
It provides structured match outcomes and confidence scores sourced from authoritative data. This capability allows platforms to enforce ownership validation effectively as a control measure prior to disbursement. The BAV API is built for seamless, low-latency integration within existing payout workflows, supporting high throughput. It integrates with authoritative bank verification data sources in over 35 countries, ensuring the end-user experience remains frictionless.
Getting Started
To begin your integration, ensure you have the following credentials provided by your Account Manager:
- API Endpoint:
https://api.trulioo.com/v3/verifications/bankaccount - API Key: Your unique authentication token
- Package ID: The specific ID for your Bank Account Verification configuration
Input Requirements
To run bank account verification transactions, you will need to send Trulioo with the name of the individual or business, account details (such as account number, IBAN, SWIFT code etc.) which vary based on the country, and the ISO country code. Your customer success team can guide you with the right inputs per country.
Sample Verification Request
For Individuals
{
"VerificationType": "Live",
"PackageId": "package-id-provided-to-you",
"CountryCode": "US",
"DataFields": {
"BankAccount": {
"AccountNumber": "36026959938",
"BankCode": "031176110",
"FullName": "John Doe"
}
},
"CustomerReferenceID": "123123123123"
}For Businesses
{
"VerificationType": "Live",
"PackageId": "package-id-provided-to-you",
"CountryCode": "US",
"DataFields": {
"BusinessInfo": {
"BusinessName": "Acme Corporation LLC"
},
"BankAccount": {
"AccountNumber": "123456789",
"BankCode": "031176110"
}
},
"CustomerReferenceID": "BUS-REF-10001"
}Sample Verification Response
For Individuals
{
"Status": "Success",
"VerificationStatus": "verified",
"DatasourceFields": {
"AccountNumber": "match",
"BankCode": "match",
"FullName": "partial_match"
},
"AppendedData": {
"Currency": "USD",
"FullName": "Joseph Doe"
}
For Businesses
{
"Status": "Success",
"VerificationStatus": "verified",
"DatasourceFields": {
"AccountNumber": "match",
"BankCode": "match",
"BusinessName": "partial_match"
},
"AppendedData": {
"Currency": "USD",
"RegisteredBusinessName": "Acme Corporation LLC"
}
}Understanding the Response
The API returns a comprehensive response structure to deliver not only the final verification decision but also the granular data that informs that decision.
The response contains
- Status: Overall request result
- VerificationStatus: Final verification outcome
- DatasourceFields: Field-level match results
- AppendedData: Additional enriched data (if available)
Match Types
- Strong Match: High confidence ownership match
- Partial Match: Some discrepancies detected
- Weak Match: Low confidence or insufficient alignment
Reference
For complete API reference of the Bank Verification API, refer this link