IBAN Start

IBAN Start is the API service that allows you to verify the validity of an IBAN, retrieve the associated bank details, and check its reachability within SEPA schemes. The API enables you to integrate automatic checks on banking data within your application flows, reducing errors and improving payment reliability.

WHAT YOU CAN DO WITH IBAN START

With IBAN Start, you can automatically verify every IBAN entered into your systems by checking its structure, checksum, and overall validity. The service also returns detailed information about the bank, such as name, branch, BIC, and location.

Additionally, thanks to SEPA checks, you can determine whether an account is enabled for credit transfers and direct debits, avoiding transaction issues and improving your operational processes.

IBAN VERIFICATION

The first step is to initiate a request via the endpoint POST/iban-start/{iban}, which allows you to start the validation.

REQUEST EXAMPLE

POST/iban-start/{iban}

This is an example of a request to verify an IBAN:

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

You can also pass a callback to automatically receive the result:

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

RESPONSE EXAMPLE

POST/iban-start/{iban}

The initial response returns the request ID and its status:

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

Retrieve IBAN result

To obtain the full verification result, you can use the endpoint GET/iban-start/{id}, passing the ID received in the previous request.

REQUEST EXAMPLE

GET/iban-start/{id}

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

RESPONSE EXAMPLE

GET/iban-start/{id}

This is an example of a full response with a valid IBAN:

{
  "data": {
    "id": "69c117af962df6cee50c9525",
    "iban": "IT60X0306905020000000123456",
    "state": "DONE",
    "status": "IBAN is valid",
    "bankData": {
      "bank": "Banca Italiana Test S.p.A.",
      "branch": "Roma Sede Centrale",
      "bic": "TESTITMMXXX",
      "city": "Roma",
      "country": "ITALY"
    },
    "sepaData": {
      "creditTransfer": true,
      "directDebit": true
    }
  },
  "success": true,
  "message": "",
  "error": null
}

The state field indicates the request status: NEW, WAIT, or DONE.

Who is it for

IBAN Start is designed for all companies and platforms that manage payments, banking details, or onboarding processes and require reliable data from the very first input.

It is particularly useful for e-commerce, fintech, SaaS services, and operators handling credit transfers or direct debits, where IBAN accuracy is essential to avoid errors, delays, or failed transactions.

The service is also ideal for those who want to automate checks on banking data, reduce manual activities, and improve user experience by ensuring faster, safer, and more efficient processes.