POSTBank Account Verification

Verify a bank account by transferring ₹1 (penny drop) and retrieve the account holder name, account status, and branch details in real time.

POST/tools/kyc/bank-account/sync

Moves money: Moves real money and cannot be undone. After a timeout, confirm the outcome before ever re-sending.
₹3.00 + GST / verification: Charged per successful call; failed calls are free.

Performs a live penny-drop transaction of ₹1 to the specified bank account and returns the account holder name as registered with the bank, account status, bank/branch details, and the Eko transaction id (tid). Use this before payouts to prevent failures and fraud. The ₹1 is credited to the beneficiary — no refund occurs. Supports all IMPS-enabled banks in India.

Request

Body parameters

Field	Type	Required	Description
`initiator_id`	string	required	Registered mobile number of the API user (see Platform Credentials).e.g. 9962981729
`client_ref_id`	string	optional	Unique reference ID per API call, generated by your system (10–20 characters; 10 recommended). The SDKs generate one for every non-GET call when you don't.e.g. 2026010100123456789
`bank_account`	string	required	Complete bank account number to be verified. Send as a string to preserve leading zeros.e.g. 026291800001191
`ifsc`IFSC Code	string	required	IFSC code of the bank account to be verified (11-character alphanumeric).e.g. YESB0000262

initiator_idstringRequired

Registered mobile number of the API user (see Platform Credentials).

example: 9962981729

client_ref_idstringoptional

Unique reference ID per API call, generated by your system (10–20 characters; 10 recommended). The SDKs generate one for every non-GET call when you don't.

example: 2026010100123456789

bank_accountstringRequired

Complete bank account number to be verified. Send as a string to preserve leading zeros.

example: 026291800001191

ifscstringRequired· IFSC Code

IFSC code of the bank account to be verified (11-character alphanumeric).

example: YESB0000262

These headers authenticate and sign every request. See How Auth Works for details.

Field	Type	Required	Description
`developer_key`	string	required	Static API key issued to your account after KYC.
`secret-key`	string	required	Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key))).
`secret-key-timestamp`	string	required	Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time.
`content-type`	string	required	application/jsone.g. application/json

developer_keystringRequired

Static API key issued to your account after KYC.

secret-keystringRequired

Dynamic per-request signature: base64(HMAC-SHA256(timestamp, base64(access_key))).

secret-key-timestampstringRequired

Current time in milliseconds since UNIX epoch, used to compute secret-key. Must match server time.

content-typestringRequired

application/json

example: application/json

Responses

statusnumber
Primary success indicator (0 = success).
messagestring
Human-readable response / error message.
response_status_idnumber
UI display hint only (-1/0 success, 1 failure, 2 initiated, 3 refund initiated, 4 refunded). Never branch on it — use `status` (and `tx_status` for financial APIs), or `response_type_id` where documented.
response_type_idnumber
A unique id for every possible response shape (success or error) — useful for client logic branching and analytics.
dataobject
API-specific response payload.
- name_at_bankstring
  Account holder name as registered with the bank. Use for name matching against provided details.
- account_statusstring
  Verification outcome for the account (e.g. VALID).
- account_status_codestring
  Machine-readable account status code (e.g. ACCOUNT_IS_VALID).
- bank_namestring
  Name of the bank associated with the account.
- branchstring
  Branch name associated with the IFSC code.
- citystring
  City where the bank branch is located.
- micrnumber
  MICR (ECS identification) code of the branch.
- reference_idnumber
  Unique reference id created for this verification.
- tidnumber
  Eko transaction id for this verification. Persist it for reconciliation.

Next steps

NextPOSTBank Account Verification (Pennyless)Confirm an account number + IFSC and fetch the registered beneficiary name without transferring any money.

Request

Body parameters

Responses

Next steps

Related