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Bank Account Verification

Learn how to resolve customer’s account details for Nigerian Banks only.

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It's important to verify users' credentials before initiating payments or giving value. Flutterwave gives you the ability to verify bank account numbers through our resolve account details endpoint —you give us your customer's account number and bank, and we'll return the account name.

Here's an example with our SDKs:

// Install with: npm i flutterwave-node-v3

const Flutterwave = require('flutterwave-node-v3');
const flw = new Flutterwave(process.env.FLW_PUBLIC_KEY, process.env.FLW_SECRET_KEY);
const details = {
  account_number: "0690000032",
  account_bank: "044"
};
flw.Misc.verify_Account(details)
  .then(response => console.log(response));

// Install with: composer require flutterwavedev/flutterwave-v3

$flw = new \Flutterwave\Rave(getenv('FLW_SECRET_KEY')); // Set `PUBLIC_KEY` as an environment variable
$accountService = new \Flutterwave\Misc();
$details = [
  "account_number" => "0690000032",
  "account_bank" => "044"
];
$response = $accountService->verifyAccount($details);

# Install with: gem install flutterwave_sdk

require 'flutterwave_sdk'

flw = Flutterwave.new(ENV["FLW_PUBLIC_KEY"], ENV["FLW_SECRET_KEY"], ENV["FLW_ENCRYPTION_KEY"])
misc = Misc.new(flw)
details = {
  account_number: "0690000032",
  account_bank: "044"
}
response = misc.resolve_account details
print response

# Install with: pip install rave_python

import os
from rave_python import Rave

rave = Rave(os.getenv("FLW_PUBLIC_KEY"), os.getenv("FLW_SECRET_KEY"))
details = {
  "account_number": "0690000032",
  "account_bank": "044"
}
response = rave.Transfer.accountResolve(details)
print(response)

// Install with: go get github.com/Flutterwave/Rave-go/rave

import (
  "fmt"
  "os"
  "github.com/Flutterwave/Rave-go/rave"
)
var r = rave.Rave{
  false,
  os.Getenv("FLW_PUBLIC_KEY"),
  os.Getenv("FLW_SECRET_KEY"),
}
var transfer = rave.Transfer{
    r,
}
details := rave.AccountResolveData {
  RecipientAccount: "0690000034",
  DestBankCode:     "044",
  PublicKey:        r.GetPublicKey(),
}
err, response := transfer.ResolveAccount(details)
if err != nil {
    panic(err)
}
fmt.Println(response)

  --header 'Authorization: Bearer YOUR_SECRET_KEY'\
  --header 'Content-Type: application/json'\
  --data-raw '{
    "account_number": "0690000032",
    "account_bank": "044"
}'

If the account is valid, you'll receive a response with a status of "success", and the account details within the data key:

{
    "status": "success",
    "message": "Account details fetched",
    "data": {
      "account_number": "0690000032",
      "account_name": "Pastor Bright"
    }
}

If the account number is invalid, you'll get an error response:

{
  "status": "error",
  "message": "Sorry, that account number is invalid, please check and try again",
  "data": null
}

📘

Testing Tip

Be sure to enter the correct bank code in your requests. Only Access bank accounts are validated in test mode. See the full list of test accounts here.

{
  "status": "error",
  "message": "destbankcode/account_bank must be numberic and only 044 is allowed",
  "data": null
}

Resolving Flutterwave Merchant IDs

You can also use the account resolution endpoint with Flutterwave merchant IDs. This is helpful for verifying wallet details before starting a wallet-to-wallet transfer. To do this, use flutterwave as the account_code, and the merchant ID as the account_number.

📘

Integration Tip

The merchant ID is displayed on the merchant dashboard below the business name at the top left.

Sample request will look like this:

{
    "account_number": "7981223",
    "account_bank": "flutterwave"
}

Response will look like this:

{
  "status": "success",
  "message": "Account details fetched",
  "data": {
    "account_number": "7981223",
    "account_name": "Flutterwave Developer Account"
  }
}

Updated about 1 month ago