> For the complete documentation index, see [llms.txt](https://docs.powens.com/documentation/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.powens.com/documentation/integration-guides/bank-id-check.md).

# 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 <a href="#banking-data" id="banking-data"></a>

The Check product exposes account ownerships.

<figure><img src="https://1347016399-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FIKL8k8xs9Sfm1SpZ2QE1%2Fuploads%2FopimZ0Dm60m5m3J5rR3T%2FCheck%20-%20Diagram.png?alt=media&amp;token=c8e7e225-0cf8-476c-8ae6-1938ecd6a88d" alt=""><figcaption></figcaption></figure>

#### Check account <a href="#bank-accounts" id="bank-accounts"></a>

We provide a view of the bank account of a user with [/account\_ownerships endpoint](https://docs.powens.com/api-reference/products/banking-aggregation/account-ownerships):

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

```json
{
  "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](https://docs.powens.com/api-reference/products/data-aggregation/account-ownership-certificate) for the configuration keys, the certificate content and the error cases.


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