Bank Account Verification

Bank account verification API verify bank account real-time and instantly using penny drop mechanism. Where sponsored bank will drop a penny in customer account and destination bank will send us the account status and name of the customer in which penny got credited


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Money matters. Make transactions safer by using Zoop’s bank account verification API to verify bank details before transacting.

Save yourself from the hassle of using cancelled cheques as a means to get correct bank details, and instead integrate with Zoop’s API to get verified bank details!

Our service can be used to fetch details from all leading banks in India that use the popular IMPS network.


Account verification API supports 500+ Private and Public banks


Verify details of Saving and Current both with single API of Bank account


Bank account verification API leads to reduce frauds and seamless process

Use our Bank Account verification service to:

  • Give instant loans -Disburse Insnat loan in correct and active bank account without hassle

  • Make verified partner payouts - Make payouts to verified accounts to eliminate manual errors and identify fraudulent accounts.

  • Player Payout- Online gaming company can make the player wiing amount payout seamlessl just after verifying bank account

Extraction of Multiple Data points

Verify bank account details like status and name of the account holder

Plug and Play Integration

Easy Integration in your existing application – II supports both web and mobile

Real-time downloading

Seamless downloading & uploading of updated information in real-time. 

How To Integrate And Verify Bank Account Details

  • Integrate the Bank Account Verification API on your web or mobile applications

  • Provide bank account number and IFSC code as API input

  • Extract the account Name and Status as a response of the Bank Account Verification API

You can use this API for
  • Banking
  • Gaming
  • Insurance
  • Background Verification
  • Payouts
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Bank account verification verifies both saving and current accounts. They don’t provide the facility to verify the NRE and NRO bank account.

We use the IMPS network built by NPCI to credit the penny from remitter’s bank account to the beneficiary bank account and in response you receive bank account status and account holder’s name.

In Basic Bank Account Verification API, we credit 1 rupee in the users account, this amount is fixed.

Whereas in the advance API, we credit anywhere between Rs.1 to 1.25 instead of 1 rupee.

Bank verification API will be useful for reducing manual operations like collecting canceled cheques and statements. You can onboard, complete eKYC, and verify the bank account in merely a second.

Indian banks that are using the IMPS network issued by NPCI for the money transfer can be verified. 500+ banks including public, private, and cooperative banks can be verified with bank account verification API.

According to NPCI official document beneficiary bank can only return 20 characters this will include blank spaces as well as special characters.

We are using the IMPS network built by NPCI to credit the penny. The penny is credited from our bank account to the beneficiary bank account.

In Bank Account verification Lite we credit 1 rupee to the beneficiary account while in Advanced the random amount is the credit between rupee 1.00 to 1.24.

The IFSC number is used to confirm if the account number belongs to the bank or not, In case if IFSC number is invalid but it belongs to the same bank you can verify the Account. EG: If a bank account belongs to HDFC Pune but the user has entered HDFC Delhi branch IFSC the amount will be credited and it will get verified.