➖Bank ID Check

Bank ID Check lets you confirm the ownership of a bank account, account number, IBAN and type of account complying with the revised Payment Service Directive (PSD2).

Bank ID Check data

The Check product exposes account ownerships.

Check account

We provide a view of the bank account of a user with /account_ownerships endpoint:

GET /users/me/account_ownerships
GET /users/me/connections/{connectionId}/account_ownerships

{
  "account_ownerships": [
    {
      "id_account": 12345,
      "id_connection": 1234,
      "id_user": 123,
      "id_connector_source": 1234,
      "name": "Compte de dépôt",
      "usage": "PRIV",
      "bank_name": "Bank",
      "multiple_holders": "null",
      "calculated": [],
      "parties": [
        {
          "role": "holder",
          "identity": {
            "is_user": true,
            "full_name": "DOE John"
          }
        },
        ...
      ],
      "identifications": [
        {
          "scheme_name": "iban",
          "identification": "FR1221954549412158521"
        },
        ...
      ]
    }
  ],
  "total": 1
}

Check account is linked to a connection (they are deleted with the connection).

Ownership certificate

The same ownership data can be delivered as a PDF certificate, intended to be handed to a third party as proof that the account data was legitimately obtained. It attests that the end user consented on a given date, and lists the accounts they hold.

GET /users/me/connections/{connectionId}/certificate

See Account ownership certificate for the configuration keys, the certificate content and the error cases.