In the bank account check, Adyen verifies that a bank account exists and that the account holder owns it. We perform the check for every bank account that you add to an account holder.
You can provide the required information through a /createAccountHolder or /updateAccountHolder call.
Required fields
To get the verification status DATA_PROVIDED for the bank account check, send the required information in the bankAccountDetails object of your /createAccountHolder or /updateAccountHolder call.
The required information depends on the country. Select the country from the drop-down box below.
For nonprofits, you can onboard organizations in the US, Canada, Germany, Spain, France, United Kingdom, and Italy.
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 (See note 1)",
"countryCode",
"currencyCode",
"accountType",
"accountNumber"
]
}
]
},
{
"displayName":"For businesses",
"sections":[
{
"displayName":"",
"fields":[
"ownerState",
"ownerCountryCode",
"ownerStreet",
"ownerCity",
"ownerPostalCode",
"ownerHouseNumberOrName",
"ownerName",
"",
"branchCode (See note 1)",
"countryCode",
"currencyCode",
"accountType",
"accountNumber"
]
}
]
},
{
"displayName":"For nonprofits",
"sections":[
{
"displayName":"",
"fields":[
"ownerState",
"ownerCountryCode",
"ownerStreet",
"ownerCity",
"ownerPostalCode",
"ownerHouseNumberOrName",
"ownerName",
"",
"branchCode (See note 1)",
"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 (See note 2)"
]
}
]
},
{
"displayName": "For businesses",
"sections": [{
"displayName": "Bank account check",
"fields":[
"ownerName",
"branchCode",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}
]
}
]
},
{
"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":"BR",
"displayName":"BR - Brazil",
"imageName":"be.png",
"tabs":[
{
"displayName":"For individuals",
"sections":[
{
"displayName":"",
"fields":[
"",
"bankName",
"bankCode",
"branchCode (See note 1)",
"countryCode",
"currencyCode"
]
}
]
},
{
"displayName":"For businesses",
"sections":[
{
"displayName":"",
"fields":[
"",
"bankName",
"bankCode",
"branchCode (See note 1)",
"countryCode",
"currencyCode"
]
}
]
}
]
},
{
"id": "CA",
"displayName": "CA - Canada",
"imageName": "ca.png",
"tabs": [{
"displayName": "For individuals",
"sections": [{
"fields":[
"ownerName",
"bankCode",
"branchCode",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}]
},
{
"displayName": "For businesses",
"sections": [{
"fields":[
"ownerName",
"bankCode",
"branchCode",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}]
},
{
"displayName": "For nonprofits",
"sections": [{
"fields":[
"ownerName",
"bankCode",
"branchCode",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}]
}
]
},
{
"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 (See note 2)",
"branchCode (See note 2)",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}
]
},
{
"displayName":"For businesses",
"sections":[
{
"displayName":"",
"fields":[
"ownerName",
"",
"iban (See note 2)",
"branchCode (See note 2)",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}
]
},
{
"displayName":"For nonprofits",
"sections":[
{
"displayName":"",
"fields":[
"ownerName",
"",
"iban (See note 2)",
"branchCode (See note 2)",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}
]
}
]
},
{
"id":"EE",
"displayName":"EE - Estonia",
"imageName":"ee.png",
"tabs":[
{
"displayName":"For individuals",
"sections":[
{
"displayName":"",
"fields":[
"ownerName",
"iban",
"countryCode",
"currencyCode"
]
}
]
},
{
"displayName":"For businesses",
"sections":[
{
"displayName":"",
"fields":[
"ownerName",
"iban",
"countryCode",
"currencyCode"
]
}
]
}
]
},
{
"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"
]
}
]
},
{
"displayName":"For nonprofits",
"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"
]
}
]
},
{
"displayName":"For nonprofits",
"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 (See note 2)",
"iban (See note 2)",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}
]
},
{
"displayName":"For businesses",
"sections":[
{
"displayName":"",
"fields":[
"ownerCity",
"ownerPostalCode",
"ownerHouseNumberOrName",
"ownerName",
"",
"branchCode (See note 2)",
"iban (See note 2)",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}
]
},
{
"displayName":"For nonprofits",
"sections":[
{
"displayName":"",
"fields":[
"ownerCity",
"ownerPostalCode",
"ownerHouseNumberOrName",
"ownerName",
"",
"branchCode (See note 2)",
"iban (See note 2)",
"countryCode",
"currencyCode",
"accountNumber (See note 2)"
]
}
]
}
]
},
{
"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":"HU",
"displayName":"HU - Hungary",
"imageName":"hu.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"
]
}
]
},
{
"displayName":"For nonprofits",
"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": "LV",
"displayName": "LV - Latvia",
"imageName": "lv.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"
]
}
]
}
]
},
{
"id":"SI",
"displayName":"SI - Slovenia",
"imageName":"SI.png",
"tabs":[
{
"displayName":"For individuals",
"sections":[
{
"displayName":"",
"fields":[
"ownerName",
"",
"iban",
"countryCode",
"currencyCode"
]
}
]
},
{
"displayName":"For businesses",
"sections":[
{
"displayName":"",
"fields":[
"ownerName",
"",
"iban",
"countryCode",
"currencyCode"
]
}
]
}
]
},
{
"id":"SK",
"displayName":"SK - Slovakia",
"imageName":"SK.png",
"tabs":[
{
"displayName":"For individuals",
"sections":[
{
"displayName":"",
"fields":[
"ownerName",
"",
"iban",
"countryCode",
"currencyCode"
]
}
]
},
{
"displayName":"For businesses",
"sections":[
{
"displayName":"",
"fields":[
"ownerName",
"",
"iban",
"countryCode",
"currencyCode"
]
}
]
}
]
}
]
}
1 For information on what you need to provide as branchCode, see Providing the bank's branchCode.
2 Either iban or the combination of bankCode, branchCode, 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
In the BankAccountDetail.branchCode field, specify the code of the branch where the bank account is registered in. Provide the corresponding value based on the country.
| Country | Code | Example |
|---|---|---|
| Brazil | Agência | 1234 |
| Germany | Bankleitzahl | 70050000 |
| United States | Routing number | 121122676 |
| United Kingdom | Sort code | 123456 |
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:
- Collect the bank statement from your sub-merchant, making sure it meets the requirements.
-
Make a POST request to the
/uploadDocumentendpoint, 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 thebankAccountUUIDin the response when you add a bank account, or in the response to a/getAccountHoldercall.documentDetail.documentType: BANK_STATEMENTdocumentDetail.filename: The name of the bank statement file.documentContent: The bank statement file, encoded as a Base64 string.
- 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.
- Minimum allowed size: 1 KB for PDF, 100 KB for other formats.
- Maximum allowed size: 4 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 |
Refer to our document upload guide below:
