Search

Are you looking for test card numbers?

Would you like to contact support?

Marketpay icon

Bank account check

Understand the requirements to verify a bank account.

In the bank account check we verify that a bank account exists and is owned by the account holder. We need to verify each bank account that you add to an account holder, to be able to pay out to that bank account.

When you sign up a sub-merchant, you can provide the required information about the bank account through a /createAccountHolder or /updateAccountHolder call.

Required fields

To get the verification status DATA_PROVIDED for the bank account check, you need to provide the following fields in the bankAccountDetails object of your /createAccountHolder or /updateAccountHolder call:

uiComponent-dropdownAndTabs
        {
   "dropdownOptions":[
      {
         "id":"US",
         "displayName":"US - United States",
         "imageName":"us.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerState",
                          "ownerCountryCode",
                          "ownerStreet",
                          "ownerCity",
                          "ownerPostalCode",
                          "ownerHouseNumberOrName",
                          "ownerName",
                          "",
                          "branchCode (*)",
                          "countryCode",
                          "currencyCode",
                          "accountType",
                          "accountNumber"
                     ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerState",
                          "ownerCountryCode",
                          "ownerStreet",
                          "ownerCity",
                          "ownerPostalCode",
                          "ownerHouseNumberOrName",
                          "ownerName",
                          "",
                          "branchCode (*)",
                          "countryCode",
                          "currencyCode",
                          "accountType",
                          "accountNumber"
                     ]
                  }
               ]
            }
         ]
      },
      {
         "id":"AT",
         "displayName":"AT - Austria",
         "imageName":"at.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                     ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                     ]
                  }
               ]
            }
         ]
      },
{
   "id": "AU",
   "displayName": "AU - Australia",
   "imageName": "au.png",
   "tabs": [{
         "displayName": "For individuals",
         "sections": [{
               "displayName": "Bank account check",
               "fields":[
                 "ownerName",
                 "branchCode",
                 "countryCode",
                 "currencyCode",
                 "accountNumber (**)"
               ]
            }
         ]
      },
      {
         "displayName": "For businesses",
         "sections": [{
               "displayName": "Bank account check",
               "fields":[
                 "ownerName",
                 "branchCode",
                 "countryCode",
                 "currencyCode",
                 "accountNumber (**)"
               ]
            }
         ]
      }
   ]
},
      {
         "id":"BE",
         "displayName":"BE - Belgium",
         "imageName":"be.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                     ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                     ]
                  }
               ]
            }
         ]
      },
{
   "id": "CA",
   "displayName": "CA - Canada",
   "imageName": "ca.png",
   "tabs": [{
         "displayName": "For individuals",
         "sections": [{
             "fields":[
                 "ownerName",
                 "bankCode",
                 "branchCode",
                 "countryCode",
                 "currencyCode",
                 "accountNumber (**)"
             ]
         }]
      },
      {
         "displayName": "For businesses",
         "sections": [{
             "fields":[
                 "ownerName",
                 "bankCode",
                 "branchCode",
                 "countryCode",
                 "currencyCode",
                 "accountNumber (**)"
             ]
         }]
      }
   ]
},
{
         "id": "CH",
         "displayName": "CH - Switzerland",
         "imageName": "ch.png",
         "tabs": [{
               "displayName": "For individuals",
               "sections": [{
                     "displayName": "Bank account check",
                     "fields":[
                       "ownerName",
                       "",
                       "iban",
                       "countryCode",
                       "currencyCode"
                     ]
                  }
               ]
            },
            {
               "displayName": "For businesses",
               "sections": [{
                     "displayName": "Bank account check",
                     "fields":[
                        "ownerName",
                        "",
                        "iban",
                        "countryCode",
                        "currencyCode"
                     ]
                  }
               ]
            }
         ]
      },
      {
         "id": "CZ",
         "displayName": "CZ - Czech Republic",
         "imageName": "cz.png",
         "tabs": [{
               "displayName": "For individuals",
               "sections": [{
                     "displayName": "Bank account check",
                     "fields":[
                       "ownerName",
                       "",
                       "iban",
                       "countryCode",
                       "currencyCode"
                     ]
                  }
               ]
            },
            {
               "displayName": "For businesses",
               "sections": [{
                     "displayName": "Bank account check",
                     "fields":[
                       "ownerName",
                       "",
                       "iban",
                       "countryCode",
                       "currencyCode"
                     ]
                  }
               ]
            }
         ]
      },
      {
         "id":"DE",
         "displayName":"DE - Germany",
         "imageName":"de.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "",
                          "iban (**)",
                          "branchCode (**)",
                          "countryCode",
                          "currencyCode",
                          "accountNumber (**)"
                      ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "",
                          "iban (**)",
                          "branchCode (**)",
                          "countryCode",
                          "currencyCode",
                          "accountNumber (**)"
                     ]
                  }
               ]
            }
         ]
      },
      {
         "id":"ES",
         "displayName":"ES - Spain",
         "imageName":"es.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "iban",
                          "countryCode",
                          "currencyCode"
                     ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "iban",
                          "countryCode",
                          "currencyCode"
                     ]
                  }
               ]
            }
         ]
      },
      {
         "id":"FI",
         "displayName":"FI - Finland",
         "imageName":"fi.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            }
         ]
      },
      {
         "id":"FR",
         "displayName":"FR - France",
         "imageName":"fr.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            }
         ]
      },
      {
         "id":"GB",
         "displayName":"GB - United Kingdom",
         "imageName":"gb.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerCity",
                          "ownerPostalCode",
                          "ownerHouseNumberOrName",
                          "ownerName",
                          "",
                          "branchCode (**)",
                          "iban (**)",
                          "countryCode",
                          "currencyCode",
                          "accountNumber (**)"
                      ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerCity",
                          "ownerPostalCode",
                          "ownerHouseNumberOrName",
                          "ownerName",
                          "",
                          "branchCode (**)",
                          "iban (**)",
                          "countryCode",
                          "currencyCode",
                          "accountNumber (**)"
                      ]
                  }
               ]
            }
         ]
      },
      {
           "id":"GR",
           "displayName":"GR - Greece",
           "imageName":"gr.png",
           "tabs":[
               {
                   "displayName":"For individuals",
                   "sections":[
                       {
                           "displayName":"",
                           "fields":[
                               "ownerName",
                               "iban",
                               "countryCode",
                               "currencyCode"
                           ]
                       }
                   ]
               },
               {
                   "displayName":"For businesses",
                   "sections":[
                       {
                           "displayName":"",
                           "fields":[
                               "ownerName",
                               "iban",
                               "countryCode",
                               "currencyCode"
                           ]
                       }
                   ]
               }
           ]
      },
      {
           "id":"HR",
           "displayName":"HR - Croatia",
           "imageName":"hr.png",
           "tabs":[
               {
                   "displayName":"For individuals",
                   "sections":[
                       {
                           "displayName":"",
                           "fields":[
                               "ownerName",
                               "iban",
                               "countryCode",
                               "currencyCode"
                           ]
                       }
                   ]
               },
               {
                   "displayName":"For businesses",
                   "sections":[
                       {
                           "displayName":"",
                           "fields":[
                               "ownerName",
                               "iban",
                               "countryCode",
                               "currencyCode"
                           ]
                       }
                   ]
               }
           ]
      },
      {
         "id":"IE",
         "displayName":"IE - Ireland",
         "imageName":"ie.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            }
         ]
      },
      {
         "id":"IT",
         "displayName":"IT - Italy",
         "imageName":"it.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "iban",
                          "countryCode",
                          "currencyCode"
                     ]
                  }
               ]
            }
         ]
      },
      {
           "id":"LT",
           "displayName":"LT - Lithuania",
           "imageName":"lt.png",
           "tabs":[
               {
                   "displayName":"For individuals",
                   "sections":[
                       {
                           "displayName":"",
                           "fields":[
                               "ownerName",
                               "iban",
                               "countryCode",
                               "currencyCode"
                           ]
                       }
                   ]
               },
               {
                   "displayName":"For businesses",
                   "sections":[
                       {
                           "displayName":"",
                           "fields":[
                               "ownerName",
                               "iban",
                               "countryCode",
                               "currencyCode"
                           ]
                       }
                   ]
               }
           ]
      },
      {
           "id":"LU",
           "displayName":"LU - Luxembourg",
           "imageName":"lu.png",
           "tabs":[
               {
                   "displayName":"For individuals",
                   "sections":[
                       {
                           "displayName":"",
                           "fields":[
                               "ownerName",
                               "iban",
                               "countryCode",
                               "currencyCode"
                           ]
                       }
                   ]
               },
               {
                   "displayName":"For businesses",
                   "sections":[
                       {
                           "displayName":"",
                           "fields":[
                               "ownerName",
                               "iban",
                               "countryCode",
                               "currencyCode"
                           ]
                       }
                   ]
               }
           ]
      },
      {
         "id":"NL",
         "displayName":"NL - Netherlands",
         "imageName":"nl.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            }
         ]
      },
	  {
         "id": "PL",
         "displayName": "PL - Poland",
         "imageName": "pl.png",
         "tabs": [{
               "displayName": "For individuals",
               "sections": [{
                     "displayName": "Bank account check",
                     "fields":[
                       "ownerName",
                       "",
                       "iban",
                       "countryCode",
                       "currencyCode"
                     ]
                  }
               ]
            },
            {
               "displayName": "For businesses",
               "sections": [{
                     "displayName": "Bank account check",
                     "fields":[
                       "ownerName",
                       "",
                       "iban",
                       "countryCode",
                       "currencyCode"
                     ]
                  }
               ]
            }
         ]
      },
      {
         "id":"PT",
         "displayName":"PT - Portugal",
         "imageName":"PT.png",
         "tabs":[
            {
               "displayName":"For individuals",
               "sections":[
                  {
                     "displayName":"",
                      "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            },
            {
               "displayName":"For businesses",
               "sections":[
                  {
                     "displayName":"",
                     "fields":[
                          "ownerName",
                          "",
                          "iban",
                          "countryCode",
                          "currencyCode"
                      ]
                  }
               ]
            }
         ]
      }
   ]
}
    

( * ) For more information on what you need to provide as branchCode, see Providing the bank's branchCode below.

( ** ) Either iban or the combination of bankCodebranchCode, and accountNumber is required.

The name and country provided for a bank account must match the name and country on the account holder.

Providing the bank's branchCode

Specify the branch code of the branch under which the bank account is registered in BankAccountDetail.branchCode. Use the following table to identify which code is required:

Country Code Example
United States Routing number 121122676
United Kingdom Sort code 123456
Germany Bankleitzahl 70050000

Verification statuses

You can receive the following statuses for the bank account check:

Status Description Action to take
AWAITING_DATA We can't start the verification because some data is missing. Provide the missing data.
DATA_PROVIDED All the required data has been provided, but the verification has not started because it is not required. None.
PENDING Verification is in progress. Wait for an ACCOUNT_HOLDER_VERIFICATION notification with a new status.
INVALID_DATA There are errors in the data provided. Review the data provided. It might be a wrong accountNumber or an issue with the uploaded bank statement.
RETRY_LIMIT_REACHED The data has been updated too many times. Upload a bank statement.
PASSED The provided information has passed the verification. None.
FAILED Adyen has verified the information, but has found reasons to refuse working with this entity. If you think this state was reached in error, reach out to Support Team.

Uploading a bank statement

When we are unable to verify a bank account, we may ask you for a scanned bank statement.

To provide the bank statement:

  1. Collect the bank statement from your sub-merchant, making sure it meets the requirements.
  2. Make a POST request to the /uploadDocument endpoint, specifying:

    • documentDetail.accountHolderCode: The code of the account holder.
    • documentDetail.bankAccountUUID: The unique ID of the bank account you're uploading a bank statement for.
      You receive the bankAccountUUID in the response when you add a bank account, or in the response to a /getAccountHolder call.
    • documentDetail.documentType: BANK_STATEMENT
    • documentDetail.filename: The name of the bank statement file.
    • documentContent: The bank statement file, encoded as a Base64 string.
    /uploadDocument request
    {
        "documentDetail":{
            "accountHolderCode":"YourAccountHolderCode",
            "bankAccountUUID": "e1dfdbd8-5695-4dda-a126-67397d997533",
            "documentType":"BANK_STATEMENT",
            "filename": "bankstatement.pdf"
        },
        "documentContent":"dGVzdCBkb2N1bWVudCBjb250ZW50VudCBjb250ZW50VudCBjb...VcdCB="
    }
    /uploadDocument response
    {
    "invalidFields": [],
    "pspReference": "8515658815512840",
    "accountHolderCode": "YourAccountHolderCode",
    ...
    "verification": {}
    }
  3. Wait for the ACCOUNT_HOLDER_VERIFICATION notification to confirm the status.
    Bank statements are verified asynchronously. On average, the check will take about two days to complete. When the bank account is validated, the BANK_ACCOUNT_VERIFICATION check will be updated to a status of PASSED.

Requirements and supported documents

When you upload a bank statement, it must meet the following requirements:

  • Allowed formats: jpeg, jpg, pdf, png.
  • Minimum allowed size: 1 byte for PDF, 10 kB for other formats.
  • Maximum allowed size: 10 MB.
  • No maximum on the number of pages for PDF.

The document needs to contain the following information:

  • Bank logo or bank name in a unique font.
  • Bank account details.
  • Name of the account holder.

The following table shows the documents we accept when you upload a bank statement.

Document type Accepted in
Bank statement All regions supported by Platforms
Screenshot of online banking environment All regions supported by Platforms
Letter from bank All regions supported by Platforms
Cheque FR, IE, US

See also