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UK Bank Account Validation Services

Protect your business & customers from fraud and failed payments with an accurate and secure payment system.


Bank Account Validation Services

Our industry-leading UK bank validation services are designed to keep your business protected and secure from bank transfer fraud and payment errors.

Using the Extended Industry Sort Code Database, you can refine your payment process for quick & accurate verification whilst saving time & money in the process.


Prevent Bank Fraud

Check bank account details in real-time to reduce the risk of bank transfer fraud and invalid payments.


Reduce invalid payments

Validate account numbers and sort codes with the Extended Industry Sort Code Database and Payment Validation API.


Avoid unnecessary spending

With easy implementation, there are no set-up or maintenance fees. Prices start from just 3.7p per bank account lookup.


Secure data storage

Keep your customers protected with compliant and robust bank data processes ensuring secure storage and transfer.


Simplified account management

Report with ease using powerful online management tools including a user-friendly interface, buy-click bundles, and access to detailed usage reports.


Multi-platform support

Decide how you utilise it; choose between Web App or Soap API functions and receive an easy onboarding & implementation process for Windows or UNIX.

3 Ways To Validate Your Bank Details With Hopewiser



Maintenance Free. No set-up fees and no maintenance costs.

Free access to easy CRM integrations, Rest API & JavaScript client.

Pay per click model starts at a very low cost.

Management Tool with free detailed usage reports and autorenew.

Handy help guides and videos.

Secure data transfer and storage.



No limitations. Benefit from multiple lookups and cleanses without being punished for usage.

Cost-effective for large users.

Bespoke. Tailor the software to benefit your user experience.

Ideal for Sensitive Data and Compliance. Data on site.

Works On Many Platforms. Includes a Developer’s Kit.


Professional Services

Access to data consultants, product specialists, data project management, integration specialists.

Knowledge to assist/run projects to make the most of your data or help you to integrate solutions.

Bespoke service for more complex requirements including consolidation. (Single Source of Truth).

Identify data problems and match the solution to rectify the issue.

What is bank account validation?

Bank account validation verifies the accuracy and legitimacy of a bank account number & bank sort code provided by the customer.

Bank validation is achieved by cross-referencing the international bank account number (IBAN) against valid accounts held by banks and financial institutions participating in the Extended Industry Sort Code Database (EISCD).

IBAN number: This consists of up to 34 letters and numbers in the following structure: country code, check digits, bank code, sort code, and UK account number. For example, GB 12 ABCD 102030 12345678.

The BIC code: (bank identifier code) is often used alongside the IBAN number for further authentication and routing of international payments. The BIC code consists of 8 or 11 letters and numbers in the following structure: bank code, country code, location code, and an optional branch code.

EISCD: This contains payment-related information for every financial institution participating in the UK’s Bacs, CHAPS, Cheque and Credit Clearing, and Faster Payments schemes.


Why is it important to validate bank account information?

Bank account verification is an essential way to protect anyone from fraudulent payments, which occur when a criminal uses stolen payment information, falsifies payment details or impersonates a legitimate payee.

By using a bank account checker & sort code verification, one-off purchases and direct debits can be verified to make sure they are from a legitimate customer and will work first time.

UK businesses are required by law to comply with the anti-money-laundering regulatory requirements. This means you must verify the identity and legitimacy of every customer; failure to do so will result in severe fines, legal action and criminal charges.

Under GDPR, you must also ensure that personal data, including home addresses, email addresses and bank account information is protected and secure. By validating bank account ownership, you’ll help to prevent any unauthorised payments and ensure the account holder’s data remains protected. If you don’t do this, and instead collect and process the data, you not only risk customer safety but can also face severe legal punishments.

Alongside protecting the general public, it also protects you and your business. With accurate & efficient information, you avoid payment errors and delays caused by incorrect data which will improve your reputation and create an improved customer experience, making the customer feel safe when purchasing your products or services.

Bank Validation Benefits

Accurate Bank Account Details

Reduced fraud risk and payment errors

Improved customer service & reputation

Accuracy from reputable financial institutions

Secure data storage

Simplified account management


Why should I use Hopewiser’s bank validation services?

The benefits of bank validation are endless as you are protecting not only your business, but the general consumer.

Our services are used by businesses across the UK to reduce bank fraud and invalid payments. Available as cloud and software-based, our platforms are tailored to work for you without punishing you for usage. Our team has over 40 years of data cleansing experience and is available to help you with any data project you have.

Is our bank validation service secure?

Yes, our bank validation service is highly secure. We use encryption and other security measures to protect the privacy and security of the information that is submitted to our system.

Can our bank validation service integrate with my existing systems?

Yes, our bank validation service can be easily integrated with your existing systems, such as payment processing or accounting software.

What does bank validation check for?

Bank validation checks every transaction to ensure the provided details are accurate and legitimate. This is done by cross-referencing the IBAN number (up to 34 characters in the structure of country code, check digits, bank code, sort code and UK account number) against valid accounts held by banks and financial institutions participating in the EISCD.

Is bank validation required to comply with GDPR?

Similar to contact information, bank details are considered personal data. Therefore, bank validation is a requirement to comply with data protection laws, ensuring both the privacy and security of sensitive customer information.