M
API Matrix

Bank Data API API

Finance / API Key Intermediate HTTPS
Varies by plan (check documentation)
72 Score
Grade B
Visit Official Site Compare Alternatives

Overview

Bank Data API lets you instantly validate IBAN and SWIFT/BIC numbers to make sure bank account details are correct before processing a payment. It supports banks worldwide and returns helpful details like bank name, country, and BIC code. This is a great tool for anyone building payment forms or financial apps that need to verify account information upfront.

💡

Beginner Tip

Always validate IBANs on your server side — never trust client-submitted bank data alone. Check that the returned "valid" field is true before proceeding with any transaction.

Available Data

Bank Data API data via REST API
JSON-formatted response data
Requires API key authentication

Example Response

JSON Response 
{
  "input": "[email protected]",
  "is_valid": true,
  "format_valid": true,
  "details": "Input passes all validation checks"
}

Field Reference

valid Whether the IBAN is structurally valid and passes checksum verification.
iban The IBAN number that was validated, returned in standardized format.
bank_data.name The name of the bank associated with the IBAN.
bank_data.bic The BIC/SWIFT code of the bank.
bank_data.country The country where the bank is registered (ISO 3166-1 alpha-2 code).

Implementation Example 

const url = "https://apilayer.com/marketplace/bank_data-api";
// Replace headers or query params with the values required by this API.
const response = await fetch(url, {
  headers: {
  "X-API-Key": "YOUR_API_KEY"
  }
});
if (!response.ok) throw new Error(`Request failed: ${response.status}`);
const data = await response.json();
console.log(data);

What Can You Build?

Note: These code examples are AI-generated and unverified. Always refer to the official API documentation for accurate usage.

Common Errors & Troubleshooting

401 Unauthorized Missing or invalid API key in the request header.
✓ Add the header -H "apikey: YOUR_API_KEY" with your valid key from the APILayer dashboard.
422 Unprocessable Entity The IBAN format is malformed or contains spaces.
✓ Remove spaces from the IBAN and ensure it follows the correct country-specific format (e.g., DE89370400440532013000).
429 Too Many Requests You have exceeded your plan's monthly request quota.
✓ Check your usage on the APILayer dashboard and upgrade your plan or wait for the quota to reset.

Matrix Score Breakdown

🌐 Reachability 30/30
⚡ Speed 5/20
🔒 Security 15/15
🛠 Developer XP 12/20
✓ Reliability 10/15

Partially tested on Apr 5, 2026

Technical Specifications

Auth API Key
HTTPS REQUIRED
CORS UNKNOWN
Category Finance
Difficulty Intermediate
Verified: 2026-04-07

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