Verifying IBAN - API only (v1)

Stable / GA

This is the current stable version of this step type.

Headless bank document verification that extracts funding source data

Verifies a bank document using static evidence collected by your own front end and submitted to IDnow via API, with results delivered as a FundingSource data block.

In Headless mode, your application is responsible for collecting and providing the document image. IDnow performs verification on this static input using automated analysis and data extraction modules. There is no user-facing capture step; all evidence is provided directly by your system.

Step compatibility

This step, Verifying proof of address - API only (v1), and Verifying ID document - API only (IDC) (v2) steps each require a different document type and cannot be combined in the same flow.

Key features

Customer-managed evidence collection: The customer application captures and submits document images via API.
Funding source extraction: IBAN, BIC, bank code, branch code, bank name, address lines, account number, and account key are extracted from the document.
Optional identity cross-check: When compareIdentity is enabled, the document holder's name fields (given name and family name) from a prior BasicIdentity step are cross-checked against the IBAN document.
Unified Verification data block: A Verification result is produced on all output routes.

Supported countries

IBAN documents are supported for the following countries. Depending on the specific document model, analysis may be fully automated or involve a manual review step.

Country	ISO code
Andorra	AND
Austria	AUT
Belgium	BEL
Bulgaria	BGR
Central African Republic	CAF
Switzerland	CHE
Republic of the Congo	COG
Cyprus	CYP
Czech Republic	CZE
Germany	DEU
Denmark	DNK
Spain	ESP
Estonia	EST
Finland	FIN
France	FRA
United Kingdom	GBR
Gibraltar	GIB
Greece	GRC
Croatia	HRV
Hungary	HUN
Ireland	IRL
Iceland	ISL
Italy	ITA
Liechtenstein	LIE
Lithuania	LTU
Luxembourg	LUX
Latvia	LVA
Monaco	MCO
Malta	MLT
Netherlands	NLD
Norway	NOR
Poland	POL
Portugal	PRT
Romania	ROU
San Marino	SMR
Slovakia	SVK
Slovenia	SVN
Sweden	SWE
Chad	TCD
Vatican City	VAT

For the full list of supported document models, contact your account manager.

Configuration

Option	Type	Required	Default	Description
`config`	object	Yes	—	Environment-specific configuration.
`config.live.realm`	string	Yes	—	The IDCheck.io realm for the IBAN verification service in this environment. Provided by IDnow during onboarding. (live)
`config.staging.realm`	string	Yes	—	The IDCheck.io realm for the IBAN verification service in this environment. Provided by IDnow during onboarding. (staging)
`compareIdentity`	boolean	No	`false`	When `true`, requires a prior `BasicIdentity` step for identity cross-check.

Example configuration

{
  "config": {
    "live": { "realm": "your-live-realm" },
    "staging": { "realm": "your-staging-realm" }
  }
}

Input data blocks

Data block	Required	Description
`DocumentImages`	Yes	Bank document images submitted as binary files via `multipart/form-data`. Front side is required; back side is optional. Accepted formats: JPEG, PNG. The `DocumentImages` data block supplied to this step must not come from an identity document capture step.
`BasicIdentity`	Conditional	Identity data used for cross-check against the document holder. Present only when `compareIdentity` is `true`.

File size limit

Each file referenced in DocumentImages is subject to a per-file size limit of 4 MB.

Routes

Route	Description
`verified`	The document was successfully processed and funding source data was extracted. When `compareIdentity` is enabled, identity data is also extracted for the cross-check.
`not_verified`	The document was rejected or analysis flagged the document as invalid.
`fraud_detected`	Fraudulent identity suspicion detected. Takes precedence over other failure conditions.

Output data blocks

Route	Data blocks produced
`verified`	`FundingSource`, `Verification` conditionally: `BasicIdentity` (only when `compareIdentity` is `true`)
`not_verified`	`Verification`
`fraud_detected`	`Verification`

Example payloads

FundingSource — verified

{
  "iban": "FR7630006000011234567890189",
  "bic": "BNPAFRPPXXX",
  "ibanCountry": "FR",
  "accountNumber": "12345678901",
  "bankCode": "30006",
  "branchCode": "00001",
  "bankName": "BNP Paribas",
  "bankAddressLines": [
    "16 Boulevard des Italiens",
    "75009 Paris",
    "France"
  ],
  "accountKey": "89"
}

BasicIdentity — verified (when compareIdentity: true)

{
  "givenName": "Jean",
  "familyName": "Dupont",
  "name": "Jean Dupont",
  "birthDate": null,
  "birthPlace": null
}

Birth name not available

This step only produces a BasicIdentity data block — there is no ExtendedIdentity carrier, so familyNameBirth is not available, even when the document holder uses a usage name (e.g. a married surname). basicIdentity.familyName already reflects the usage name when one is present, so use it for identity comparison. Birth-name separation is only provided by identity document verification steps.

Verification — verified

{
  "status": "verified",
  "terminationReason": null,
  "methods": [
    {
      "type": "documentCheck",
      "checks": [],
      "evidence": []
    }
  ],
  "provider": "idnow",
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-02-10T14:00:01.000Z",
  "verificationProcessId": "txn-iban-abc123"
}

Verification — fraud_detected

{
  "status": "fraudDetected",
  "terminationReason": null,
  "methods": [
    {
      "type": "documentCheck",
      "checks": [
        {
          "technique": "documentValidity",
          "sources": [],
          "outcome": "failed",
          "issues": [
            {
              "code": "BACKEND_ANALYSIS",
              "severity": "error",
              "message": "No document found"
            }
          ],
          "performedBy": null,
          "performedAt": null
        }
      ],
      "evidence": [
        {
          "type": "analysisReport",
          "ref": {
            "$ref": "vault",
            "$id": "6b514db8-55f0-4618-98b5-1e42845d053e"
          }
        }
      ]
    }
  ],
  "provider": "idnow",
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-02-10T14:00:01.000Z",
  "verificationProcessId": "txn-iban-abc123"
}

Verification — not_verified (when compareIdentity: true)

{
  "status": "rejected",
  "terminationReason": null,
  "methods": [
    {
      "type": "documentCheck",
      "checks": [
        {
          "technique": "documentValidity",
          "sources": [],
          "outcome": "passed",
          "issues": [],
          "performedBy": null,
          "performedAt": null
        },
        {
          "technique": "dataCrosscheck",
          "sources": [
            {
              "type": "ocr",
              "id": null
            },
            {
              "type": "inputData",
              "id": null
            }
          ],
          "outcome": "failed",
          "issues": [
            {
              "code": "FIRSTNAME_LASTNAME_FOUND",
              "severity": "error",
              "message": "The holder's first and/or last names are not both present"
            },
            {
              "code": "IBAN_FIRST_NAME_MATCH",
              "severity": "error",
              "message": "IBAN Firstnames do not match the identity"
            }
          ],
          "performedBy": null,
          "performedAt": null
        }
      ],
      "evidence": [
        {
          "type": "analysisReport",
          "ref": {
            "$ref": "vault",
            "$id": "175ec7bd-aa01-4259-96e0-71d28de0797f"
          }
        }
      ]
    }
  ],
  "provider": "idnow",
  "trustFramework": null,
  "assuranceLevel": null,
  "verifiedAt": "2026-02-10T14:00:01.000Z",
  "verificationProcessId": "txn-iban-abc123"
}

Headless bank document verification that extracts funding source data​

Key features​

Configuration​

Example configuration​

Input data blocks​

Routes​

Output data blocks​

Example payloads​