IBAN Advanced

IBAN Advanced is the API service designed to verify the validity of an IBAN in real time, retrieve full details of the associated bank and branch, and check reachability on the SEPA schemes, including instant transfers. Built on a robust, always-available infrastructure, the API lets you automate checks on bank details, eliminating human error and protecting the integrity of your payments.

WHAT YOU CAN DO WITH IBAN ADVANCED

IBAN Advanced goes beyond simple formal validation, offering a complete set of tools for managing bank details securely:

DETAILED BANK DATA

Beyond validation, the service provides complete information about the financial institution, delivering essential data for invoicing and logistics:

IBAN VERIFICATION

The first step is to submit a request to the POST/iban-advanced/{iban} endpoint, which starts the validation. A sandbox environment is available for testing at test.trust.openapi.com.

EXAMPLE REQUEST

POST/iban-advanced/{iban}

This is an example request to verify an IBAN:

POST https://trust.openapi.com/iban-advanced/IT60X0306905020000000123456

You can also pass a callback to receive the result automatically on your server. The callback supports custom headers (for example, for authentication) and up to 5 automatic retries in case of a temporary error:

{
  "callback": {
    "url": "https://your-server.site/iban-callback",
    "custom": {
      "orderId": "iban-check-789"
    }
  }
}

EXAMPLE RESPONSE

POST/iban-advanced/{iban}

The initial response returns the request ID and its state:

{
  "data": {
    "id": "69c117af962df6cee50c9525",
    "iban": "IT60X0306905020000000123456",
    "state": "NEW"
  },
  "success": true,
  "message": "",
  "error": null
}

REQUEST STATES

Verification is processed through an asynchronous queue system. Each request goes through the following states:

RETRIEVING THE IBAN RESULT

To get the full verification result, use the GET/iban-advanced/{id} endpoint, passing the ID received in the previous request. With the GET/iban-advanced endpoint, you can view the list of all your requests and filter them by state.

EXAMPLE REQUEST

GET/iban-advanced/{id}

GET https://trust.openapi.com/iban-advanced/69c117af962df6cee50c9525

EXAMPLE RESPONSE

GET/iban-advanced/{id}

This is an example of a complete response for a valid IBAN:

{
  "data": {
    "id": "69c117af962df6cee50c9525",
    "iban": "IT60X0306905020000000123456",
    "state": "DONE",
    "status": "IBAN is valid",
    "bankData": {
      "bic": "TESTITMMXXX",
      "bank": "Banca Italiana Test S.p.A.",
      "branch": "Roma Sede Centrale",
      "address": "Via del Corso, 123",
      "city": "Roma",
      "state": "RM",
      "zipCode": "00186",
      "country": "ITALY",
      "countryCode": "IT",
      "account": "000000123456",
      "bankCode": "03069",
      "branchCode": "05020"
    },
    "sepaData": {
      "creditTransfer": true,
      "directDebit": true,
      "cor1": true,
      "b2b": true,
      "cardClearing": false,
      "creditInstantTransferRT1": true,
      "creditInstantTransferTIPS": true
    },
    "validations": {
      "chars": {
        "valid": true,
        "message": "IBAN does not contain illegal characters"
      },
      "account": {
        "valid": true,
        "message": "Account Number check digit is correct"
      },
      "iban": {
        "valid": true,
        "message": "IBAN Check digit is correct"
      },
      "structure": {
        "valid": true,
        "message": "IBAN structure is correct"
      },
      "length": {
        "valid": true,
        "message": "IBAN Length is correct"
      },
      "countrySupport": {
        "valid": true,
        "message": "Country supports IBAN standard"
      }
    },
    "errors": [],
    "createdAt": "2026-03-30T10:00:00Z",
    "updatedAt": "2026-03-30T10:00:00Z"
  },
  "success": true,
  "message": "",
  "error": null
}

WHO IT'S FOR

The IBAN Advanced service is designed to meet the needs of a digital market where accurate financial data is a strategic asset. For e-commerce businesses and digital platforms, integrating real-time validation radically improves the purchase experience: automated systems catch typing errors as soon as the user enters their bank details, securing the checkout process and avoiding costly refunds or delays in service sign-ups.

Within finance, accounting and HR departments, the tool becomes an everyday ally for administrative management: every IBAN is verified automatically and completed with bank and branch details, keeping customer, supplier and employee records up to date. Likewise, companies that handle SEPA payments and direct debits, as well as FinTechs, will find IBAN Advanced an essential resource: knowing in advance whether an account can be reached by credit transfer, direct debit or instant transfer lets them choose the right payment channel and avoid rejected transactions.

Finally, the technical robustness of the service speaks directly to developers and IT companies. The API architecture is built for full scalability and seamless integration into existing management systems through standard protocols. This level of reliability is essential for SaaS businesses with critical processes, which need a resilient, always-available infrastructure to handle high volumes of validations without ever interrupting business operations.