Unified BAV - Basic Check
Introduction
The Unified BAV - Basic Check API provides a streamlined bank account verification solution through a single unified endpoint. It enables verification of account details across multiple geographies using a standard request and response structure, reducing the need for separate country-specific integrations. This API covers essential account validation checks to confirm the authenticity and availability of banking information while maintaining a simplified integration experience.
Coverage: Turkey, China Individual, Argentina, Korea, Indonesia, Malaysia, Nigeria, Uganda, Vietnam, Bangladesh, Nepal, Pakistan, India, Europe
Use Cases:
- Cross-Border Transactions:
- Facilitate cross-border transactions by quickly and accurately verifying bank account details, enabling secure and efficient international money transfers.
- Enhanced Onboarding Process:
- Streamline the customer onboarding journey by automating the bank account verification process, reducing manual efforts, and minimizing the risk of errors.
- Risk Mitigation:
- Minimize the risk of fraudulent activities by validating bank account details through a robust and reliable verification process, providing an additional layer of security.
- Currency Confirmation:
- Obtain information on the currency associated with the provided bank account, allowing businesses to ensure compatibility and accuracy in financial transactions.
Bank Account Validation Flow
API description
Sample cURL
curl --location 'https://api-preproduction.signzy.us/api/v3/global-bank-verification/basic-check' \
--header 'Authorization:' \
--header 'Content-Type: application/json' \
--data '{
"countryCode": "CN",
"fullName": "ABBAS AL-SHEIKH",
"accountNumber": "",
"clearingSystemId": "",
"creditorIdentifier": "1234631235",
"creditorIdentifierType": "NATIONAL_ID",
"isBusiness": false
}'Request Data Parameters
Parameter | Data Type | Required | Description |
|---|---|---|---|
countryCode | string | Yes | Country code; must be one of the basic-check supported countries: IN, BD, NP, PK, ID, MY, NG, UG, VN, KR, AR, CN, EU. |
fullName | string | Yes | Full name of the individual or business. Maximum 250 characters and must contain at least one letter. |
accountNumber | string | Yes | Creditor's account number. Required for all supported countries. Format requirements vary by country. |
clearingSystemId | string | Conditional | Required for IN (IFSC) and BD, NP, PK, ID, NG, UG, VN, KR (BIC). Not required for MY, AR, CN, or EU. |
creditorIdentifier | string | No | Optional. Used only for CN when isBusiness = true; ignored for all other countries. |
creditorIdentifierType | string | No | Not used in Basic Check. Applicable only in certain Comprehensive Check flows. |
isBusiness | boolean | Conditional | Required for CN. Optional for all other countries and defaults to false if omitted. |
Country-Specific Requirements
Country | accountNumber | clearingSystemId | isBusiness |
|---|---|---|---|
IN | Yes | Yes (IFSC) | No |
BD | Yes | Yes (BIC) | No |
NP | Yes | Yes (BIC) | No |
PK | Yes | Yes (BIC) | No |
ID | Yes | Yes (BIC) | No |
NG | Yes | Yes (BIC) | No |
UG | Yes | Yes (BIC) | No |
VN | Yes | Yes (BIC) | No |
KR | Yes | Yes (BIC) | No |
MY | Yes | No | No |
AR | Yes | No (Optional) | No |
EU | Yes | No | No |
CN | Yes | No (Optional, business only) | Yes |
Sample Response
{
"result": {},
"reason": "Data not Found",
"code": "S003"
}
Success Response Body Parameters

Parameter | Data Type | Description |
|---|---|---|
result | object | Verification result payload. Returns an empty object ({}) when the account is not found (code: S003). |
result.description | string | Human-readable verification outcome (e.g., Bank Account Verified, Account flagged, Review required). |
result.countryCode | string | Echoes the countryCode provided in the request. |
result.matchScore | string | Name-match confidence score between 0 and 1, formatted to two decimal places (e.g., "0.95"). Returns an empty string ("") if the vendor does not provide a score. |
result.matchScoreDescription | string | Human-readable interpretation of the match score (e.g., Strong Match, Partial Match). |
result.nameMatched | string | Account-holder name returned by the bank or verification vendor. |
result.currency | string | Account currency in ISO format (e.g., USD, EUR) when available; otherwise returns an empty string (""). |
reason | string | Response status reason. Request Successful for S001; Data not Found for S003. |
code | string | Signzy response code. S001 = Account verified, S003 = Account not found. |
Error Codes

HTTP Status Code | Error Code | Description |
|---|---|---|
400 | E001 | Bad Request |
401 | E101 | Unauthorized Access |
403 | E201 | Forbidden |
404 | E301 | Data Not Found |
409 | E401 | Upstream error |
429 | E501 | Rate Limit Exceeded |
500 | E601 | Internal Server Error |
503 | E701 | Service Unavailable |
504 | E801 | Timeout |
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