Bank Account Validation

Match account numbers and holder names across 130+ Indonesian banks.

Postman collectionOpenAPI spec

Base URL

https://use.api.co.id

Call GET /validation/bank with the bank_code, account_number, and account_name query parameters plus the x-api-co-id header. The response contains is_valid, a name-match score, and the masked account holder name (only if valid). The full bank list is available at GET /validation/bank/available.

Bank code format

Bank codes can be sent in two formats; both are processed the same way:

• Short format: mandiri, bca, bri (automatically mapped to the full format)
• Full format: bank_mandiri, bank_bca, bank_bri (used as is)

Supported banks

130+ Indonesian banks, including:

Bank	Code
BCA (Bank Central Asia)	bca or bank_bca
BRI (Bank Rakyat Indonesia)	bri or bank_bri
BNI (Bank Negara Indonesia)	bni or bank_bni
BSI (Bank Syariah Indonesia)	bsi or bank_bsm
Mandiri (Bank Mandiri)	mandiri or bank_mandiri
SeaBank (SeaBank Indonesia)	seabank or bank_kesejahteraan_ekonomi

Use the Get Available Banks endpoint (GET /validation/bank/available) to see the complete list.

Response fields

Field	Description
is_valid	Boolean, true if account validation passed
score	Float 0.0–10.0, name match confidence
name	Masked holder name: first 3 characters + **** (only if valid, null if invalid)
message	Status message describing the validation result
note	Additional note (empty string if valid, "Name was not returned" if validation failed)

How it works

• Real-time account verification.
• Fuzzy name matching with confidence scoring.
• Automatic retry with fallback.
• Name masking for privacy protection.

Validate Bank Account

GET/validation/bank

Validate a bank account number and account holder name.

### Example Request ``bash curl --location 'http://localhost:3003/validation/bank?bank_code=bank_bri&account_number=110601003647539&account_name=John%20Doe' \ --header 'x-api-co-id: your-api-key'

### Query Parameters - bank_code (required): Bank code identifier - Can be short format: mandiri, bca, bri, bni, bsi, seabank - Or full format: bank_mandiri, bank_bca, bank_bri, bank_bni, bank_bsm, bank_kesejahteraan_ekonomi - Use GET /validation/bank/available to see all 130+ supported banks - account_number (required): Bank account number to validate - account_name (required): Account holder name to match against bank records

### Response Returns validation result with: - is_valid: Boolean indicating if validation passed - score: Name matching score (0.0 to 10.0, >= 7.0 is valid) - name: Masked account name showing first 3 chars + ** (only if valid, null if invalid) - message: Status message - note**: Additional note (empty if valid, "Name was not returned on invalid validation" if failed)

### Validation Logic 1. Validates bank account number and account holder name 2. Returns match score (0.0 to 10.0) indicating validation confidence 3. Score >= 7.0 indicates successful validation 4. Valid names are masked for privacy (e.g., "Rif** Eln**")

Query parameters

Name	Type	Description
bank_codeRequired	string	Bank code - can be short format (mandiri, bca, bri) or full format (bank_mandiri, bank_bca, bank_bri). Use GET /validation/bank/available to see all supported banks. Example: bank_bri
account_numberRequired	string	Bank account number Example: 110601003647539
account_nameRequired	string	Account holder name to validate Example: John Doe

Response fields

Name	Type	Description
is_successOptional	boolean	Example: true
messageOptional	string	Example: Success
dataOptional	object
data.is_validOptional	boolean	Boolean indicating if account validation passed Example: true
data.scoreOptional	number	Name matching score (0.0 to 10.0, >= 7.0 is valid) Example: 8.5
data.nameOptional	string	Masked account name showing first 3 chars + **** (only if valid, null if invalid) Example: Rif**** Eln****
data.messageOptional	string	Status message describing the validation result Example: Validation successful
data.noteOptional	string	Additional note (empty string if valid, "Name was not returned" if validation failed) Example:

Request

curl -X GET "https://use.api.co.id/validation/bank?bank_code=bank_bri&account_number=110601003647539&account_name=John%20Doe" \  -H "x-api-co-id: $API_CO_ID_KEY"

Response

200OKSuccessful response

{  "is_success": true,  "message": "Success",  "data": {    "is_valid": true,    "score": 8.5,    "name": "Rif**** Eln****",    "message": "Validation successful",    "note": ""  }}

Get Available Banks

GET/validation/bank/available

Get the complete list of all available banks supported by the validation API.

### Response Returns a list of all supported banks with: - banks: Array of bank objects - bank_name: Full name of the bank (e.g., "MANDIRI", "BCA", "BRI") - bank_code: Bank code to use in validation requests (e.g., "bank_mandiri", "bank_bca", "bank_bri") - total: Total number of supported banks (130+)

### Usage Use this endpoint to: - Discover all supported banks - Get the correct bank code for validation requests - Build dynamic bank selection dropdowns in your application

### Bank Code Format You can use either: - Short format: Remove bank_ prefix (e.g., use mandiri instead of bank_mandiri) - Full format: Use the exact bank_code from the response Both formats work the same way in validation requests.

Response fields

Name	Type	Description
is_successOptional	boolean	Example: true
messageOptional	string	Example: Success
dataOptional	object
data.banksOptional	object[]
data.banks[].bank_nameOptional	string	Example: MANDIRI
data.banks[].bank_codeOptional	string	Example: bank_mandiri
data.totalOptional	integer	Total number of supported banks Example: 130

Request

curl -X GET "https://use.api.co.id/validation/bank/available" \  -H "x-api-co-id: $API_CO_ID_KEY"

Response

200OKSuccessful response

{  "is_success": true,  "message": "Success",  "data": {    "banks": [      {        "bank_name": "MANDIRI",        "bank_code": "bank_mandiri"      },      {        "bank_name": "BCA",        "bank_code": "bank_bca"      },      {        "bank_name": "BRI",        "bank_code": "bank_bri"      },      {        "bank_name": "BNI",        "bank_code": "bank_bni"      },      {        "bank_name": "BSI (BANK SYARIAH INDONESIA)",        "bank_code": "bank_bsm"      },      {        "bank_name": "SEABANK/BANK BKE",        "bank_code": "bank_kesejahteraan_ekonomi"      }    ],    "total": 130  }}

Use case

Payment gateway

Verify bank accounts for payment gateway flows.

E-wallet registration

Validate the user's bank account during e-wallet registration.

Financial service onboarding

Check bank accounts during financial service onboarding.

KYC compliance

Match the account number and holder name for KYC (Know Your Customer) compliance.

Account ownership verification

Confirm the account matches the given holder name.

Fraud prevention

Use account validation results to help prevent fraud.