The Verification API can be used to verify a user's bank account and return the associated bank details.

How it works

  1. The user gives consent for you to access their bank data.
  2. They are redirected to their bank to authenticate, then sent back to your app.
  3. To request verification, send the user's name to the Verification API.
  4. We compare the identity data to the account holder's name for all the connected account(s) the user has given consent for.
  5. We return the result of the comparison along with its match_score.


We offer the Verification API in the UK, France, Germany, and Spain in public beta. We can only support open banking providers that return account holder names.

Get started

Use the Verification API to verify user accounts.

  1. Choose the providers you want to integrate with. Verification API is avaliable in the UK, France, Germany, and Spain in public beta.
  2. Implement the authentication flow detailed in the Connect an account guide and:
    • Set the scopes field to ["info", "accounts"] only.
    • Set the providers field according to your needs.
  3. Contact Support with your client_id so that we can enable your access.
  4. Generate an auth link and whitelist your redirect uri's in the App Settings in the console.
  5. Generate an access token.
  6. Use the postman collection to make a request to the API.

Supported banks

There is a limited number of open banking providers that return account holder names. Since the Verification API uses that data, we can only support the banks present in the table.

Bank nameCountryProvider ID
American ExpressUKuk-oauth-amex
Bank of ScotlandUKuk-ob-bos
Barclays BusinessUKuk-ob-barclays-business
Capital OneUKuk-ob-capital-one
First DirectUKuk-ob-first-direct
M&S BankUKuk-ob-ms
Royal Bank of ScotlandUKuk-ob-rbs
Tesco BankUKuk-ob-tesco
Ulster BankNorthern Ireland and UKuk-ob-ulster
Virgin MoneyUKuk-ob-virgin-money
Ulster BankIEie-ob-ulster

For more details around the account holder name format that is returned for each bank, see the article on our help centre.

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