Bank Account Verification — Digio

What does this API do?

The Bank Account Verification API (powered by Digio Tech Solution Pvt Ltd) allows lenders to validate a customer's bank account details without initiating a financial transaction. It supports multiple verification modes — Penny Drop, Penny Less, and Auto — and returns real-time results including the account holder's name and an optional fuzzy name-match score. This enables faster onboarding, reduced transaction failures, and stronger compliance with regulatory standards.

Who can use it?

Any lender or financial institution that has been onboarded to the ULI Platform and has subscribed to the Digio service in the Platform Developer Portal.

Prerequisites

Complete all common platform prerequisites as described in Getting Started with ULI Platform APIs.

In addition, the following is specific to this API:

• Digio Service Credentials: You must obtain a Client ID and Client Secret from Digio. These are separate from your ULI Platform credentials and must be stored securely by the lender. Separate credentials are required for Sandbox and Production environments.
• Digio Service Subscription: Subscribe to the Digio Bank Account Verification service in the Platform Developer Portal (separately for Sandbox and Production). Refer to Section 10 of the SOP for Lender Onboarding for subscription steps.

What are the API endpoints?

HTTP method: POST

URL path follows the convention: /{serviceName}/{ver}/{lang}

What headers are required?

What does the request body look like?

The API accepts JSON. The top-level structure contains three objects:

meta object fields:

data object fields:

What do the response fields mean?

Top-level response fields:

result object fields:

data object fields:

Sample response:

{
  "result": {
    "errcode": "E000",
    "status": "success",
    "info": ""
  },
  "data": {
    "verified_at": "2025-05-19 12:19:32",
    "fuzzy_match_result": true,
    "verified": true,
    "beneficiary_name_with_bank": "JOHN DOE",
    "id": "HGBDEH7282",
    "fuzzy_match_score": 100
  },
  "meta": {
    "txncode": "324242",
    "ver": "1.0",
    "ts": "2025-05-19T12:19:32+0530"
  }
}

What are the error codes?

For the full list of platform-wide error codes, refer to the Latest Platform Error Code document. The following are Digio-specific error codes:

Who do I contact for support?

If you encounter an issue, email support@rbihub.in with the following details:

• Subject: Bank Account Verification API Error
• Service Name: Bank Account Verification
• Environment: Sandbox or Production
• Service Provider: Digio
• Request headers and payload
• Error code and error message received
• Prerequisites status: IP Whitelisting, URL Whitelisting, Service Subscription, Token Generation
• Screenshot or log of the error (as attachment)