Banqcheq · Bank account + payment validation · 26 countries validated
Built to make every payment flawless

Free Bank Account & Payment Validation Tool

Validate before
money moves.

Instantly verify bank accounts, payment formats, and cross-border requirements with precision built for global payments.

Try it free See how it works
Free tools

Explore the rest of Banqcheq

Every validator below is free, instant, and works right in your browser — no sign-up required.

IBAN Validator
Check IBAN format, checksum, and bank name across 77 countries.
IFSC Checker
Validate Indian IFSC codes and look up the bank and branch.
SWIFT Validator
Check SWIFT/BIC format, bank, country, and BIC8 vs BIC11 type.
ACH Validator
Validate US ACH/ABA routing numbers with Fed district lookup.
Sort Code Checker
Validate UK sort codes and identify the bank instantly.
Payment Validator
Check required fields and compliance rules for any payment corridor.
Fraud Checker
Spot vendor payment fraud before you pay — risk score + call script.
Format: BBBB0XXXXXX — bank code (4) + reserved 0 + branch (6) · ● Live verified
↑ Paste a bank code above and hit Validate

Payment route

1

Payment mode

2

Beneficiary details

3

Select a mode first.

Validation results

Fill in the details on the left and hit Validate.

Fraud signal checklist

1

Check every box that applies to this payment change request.

Destination country check

2

Does the new account country match where you normally pay this vendor?

Usual country
New account country

Beneficiary name match

3

Fraudsters often use subtly altered company names. Compare what you expected vs. what appears on the new payment details.

Account history

4

Checks if you've paid this account number before in this browser, and whether the name changed.

Stored locally in your browser only — never sent anywhere

Fraud risk assessment

Complete the checklist and details on the left, then run checks to see the risk assessment and verification call script.

Why Banqcheq

Everything you need
before money moves.

Bank code validation and payment detail validation — together in one platform.

Bank code validation
IBAN · IFSC · SWIFT/BIC · ACH · Sort code · BSB · CLABE · Transit — format check, checksum, and live branch lookup.
Payment detail validation
Validates all required fields for every payment mode and corridor — NEFT, SWIFT, SEPA, ACH, Faster Payments and more.
Cross-border compliance
RBI LRS · FEMA · purpose codes · UAE AML · SEPA IBAN mandate · sanctions screening — checked per corridor automatically.
Two-stage verification
Checksum validation first — instant, offline. Live database lookup second — confirms the bank and branch actually exist.
Purpose of payment
Clearly shows whether purpose is Required, Conditionally required, or Optional — per country pair and payment mode.
Pre-transaction error catch
Catches invalid, missing, or incompatible payment details before you hit send — zero failed payments, zero manual reviews.
Live
Developers

REST API

Integrate payment validation into your app

What we validate
  • Format correctness — mathematically exact
  • Checksum validation — 100% accurate
  • Compliance requirements per corridor
  • Bank identification — major banks only (if unknown, field is omitted from response)
What we do not claim
  • Account existence (requires banking licence)
  • Balance or status information
  • Account holder name matching
  • Real-time bank directory (static lookup only)

Bank name lookup covers approximately 60 major banks across India, UAE, UK, USA, Germany, Singapore, Saudi Arabia and GCC. For banks outside this list, the bank field is omitted from the response — we never return guessed or incorrect bank names.

Base URL
https://api.banqcheq.com
Authentication
X-API-Key: banqcheq_demo_key_001
Free demo key — 100 requests/day
GET/health
Service status check — no API key required.
POST/validate/iban
IBAN — format, checksum, and bank lookup across 77 countries.
POST/validate/ifsc
IFSC — Indian bank branch code validation.
POST/validate/swift
SWIFT / BIC — bank, country, and branch code validation.
POST/validate/ach
ACH routing number — USA, with Federal Reserve checksum.
POST/validate/sort-code
UK sort code — format and bank lookup.
POST/validate/account
Account number — country-specific length and format rules.
POST/validate/payment
Full payment validation — route, mode, fields, and compliance.
POST/validate/nuban
NUBAN — Nigerian account number checksum.
POST/validate/clabe
CLABE — Mexican account number checksum.
curl -X POST https://api.banqcheq.com/validate/iban \
  -H "Content-Type: application/json" \
  -H "X-API-Key: banqcheq_demo_key_001" \
  -d '{"iban":"GB29NWBK60161331926819"}'
const res = await fetch(
  'https://api.banqcheq.com/validate/iban',
  {
    method: 'POST',
    headers: {
      'Content-Type': 'application/json',
      'X-API-Key': 'banqcheq_demo_key_001'
    },
    body: JSON.stringify({
      iban: 'GB29NWBK60161331926819'
    })
  }
);
const data = await res.json();
console.log(data.bank); // NatWest
import requests

r = requests.post(
    'https://api.banqcheq.com/validate/iban',
    headers={
        'Content-Type': 'application/json',
        'X-API-Key': 'banqcheq_demo_key_001'
    },
    json={'iban': 'GB29NWBK60161331926819'}
)

data = r.json()
print(data['bank'])  # NatWest
Coverage

Every major banking system.
All in one place.

🇮🇳
IFSC
India · 200k+ branches
Live verified
🇦🇪
UAE IBAN
United Arab Emirates
Live verified
🌍
IBAN
77 countries · Europe + GCC
Live verified
🇺🇸
ACH / ABA
USA · 7,693 institutions
Live verified
🌐
SWIFT / BIC
Global · 200+ countries
Format validated
🇬🇧
Sort Code
United Kingdom
Format validated
🇦🇺
BSB
Australia
Format validated
🇨🇦
Transit
Canada
Format validated
🇲🇽
CLABE
Mexico · checksum
Checksum validated
🇳🇿
NZ Routing
New Zealand
Format validated

Built to make every
payment flawless.

Banqcheq validates payment details before money moves.
Free forever. No credit card. 500 validations a month to start.

FAQ

Frequently asked questions

Everything you need to know about validating bank accounts and preventing payment fraud.

What is an IBAN and how do I validate it?
An IBAN (International Bank Account Number) is a standardised format used across 77 IBAN-format countries to identify bank accounts for international transfers. It starts with a 2-letter country code, followed by 2 check digits, and then the Basic Bank Account Number (BBAN). Banqcheq validates IBANs using the official mod-97 checksum algorithm, confirms the country code is valid, and looks up the bank name and BIC code. Valid IBANs for testing include GB29NWBK60161331926819 (NatWest UK) and DE89370400440532013000 (Deutsche Bank Germany). To validate your IBAN, paste it into the IBAN tab above and click Validate — you will see the bank name, BIC, branch code, and whether the checksum passes instantly. Prefer a dedicated page? Use the free IBAN validator.
What is an IFSC code and how do I look it up?
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code assigned by the Reserve Bank of India to every bank branch in India. The first 4 characters identify the bank, the 5th character is always 0, and the last 6 identify the specific branch. IFSC codes are required for NEFT, RTGS, and IMPS transfers within India. Banqcheq validates the format, confirms the bank code is recognised, and performs a live lookup to confirm the branch exists. You can find your IFSC code on your cheque book, bank statement, or your bank's website. Common examples include HDFC0001234 (HDFC Bank) and SBIN0001234 (State Bank of India). Prefer a dedicated page? Use the free IFSC checker.
What is a SWIFT code and how is it different from an IBAN?
A SWIFT code (also called a BIC — Bank Identifier Code) identifies a specific bank globally for international wire transfers. It is 8 or 11 characters long: 4 letters for the bank, 2 letters for the country, 2 characters for the location, and optionally 3 characters for the branch. An IBAN identifies a specific bank account, while a SWIFT code identifies the bank itself. For most international transfers you need both — the SWIFT code tells the payment where to go, and the IBAN identifies which account to credit. Banqcheq validates both formats, checks the bank code against a database of known banks, and flags test BICs that are not valid for live payments. Prefer a dedicated page? Use the free SWIFT validator or IBAN validator.
How do I verify a bank account before sending money?
Before sending any payment to a new or updated bank account, always: 1) Validate the account format using a tool like Banqcheq to confirm the IBAN checksum or IFSC format is correct. 2) Call the vendor or recipient back on a number from your existing records — never use a number provided in the same message as the account change request. 3) Check whether the account country matches where you normally pay this vendor. 4) Compare the beneficiary name on the new account against your records using Banqcheq's name-match tool. 5) Be suspicious of any urgency or pressure to update details quickly. These steps catch the vast majority of vendor payment fraud before money leaves your account. Run through all five automatically with the free fraud checker.
What is vendor payment fraud and how does Banqcheq prevent it?
Vendor payment fraud, also called Business Email Compromise (BEC) or Authorised Push Payment (APP) fraud, happens when a fraudster impersonates a supplier or vendor and asks you to update their bank account details. The next payment you make goes to the fraudster instead. This type of fraud costs UK businesses over £145 million per year and is growing globally. Banqcheq's Verify Before You Pay feature provides a structured checklist covering the key fraud signals: new contact channel, urgency, country mismatch, beneficiary name similarity scoring, and account history checking. It also generates a verification call script so you can confirm changes directly with the vendor before updating your records. Try the free Verify Before You Pay tool — read more on our vendor payment fraud guide.
What countries does Banqcheq support?
Banqcheq supports bank account and payment validation across 26 countries including India, UAE, United Kingdom, United States, Germany, France, Australia, Canada, Singapore, Japan, Hong Kong, Saudi Arabia, Qatar, Kuwait, Nigeria, Kenya, South Africa, Ghana, Egypt, Mexico, Brazil, Argentina, Malaysia, New Zealand, Switzerland, and the broader SEPA zone covering 36 European countries for IBAN validation. The payment validator covers 18 payment modes including NEFT, RTGS, IMPS, UPI, SWIFT, SEPA, ACH, Faster Payments, CHAPS, NPP, BPAY, and more. New countries and payment modes are added regularly. See the full requirements for your corridor with the free payment validator.
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