API Documentation

Introduction

Welcome to the BankData API documentation. Our comprehensive API platform provides complete banking data validation and search services:

Data Coverage

Authentication

All API requests require authentication using an API key. Include your API key in the X-API-Key header:

curl -H "X-API-Key: YOUR_API_KEY" \
  https://www.bankdatastack.com/api/v1/routing/validate

Get your API key by signing up.

Pagination

All search and filter endpoints support pagination for efficient handling of large result sets. This allows you to retrieve results in manageable chunks and build scalable applications.

Pagination Parameters

Pagination Response

All paginated endpoints include a pagination object in the response:

{
  "status": "success",
  "message": "Found 10 results on page 2",
  "data": [...],
  "pagination": {
    "current_page": 2,
    "per_page": 10,
    "total": 458,
    "total_pages": 46,
    "has_more": true
  }
}

Example: Fetch Multiple Pages

// Page 1
curl -X POST https://www.bankdatastack.com/api/v1/routing/database/state \
  -H "X-API-Key: YOUR_KEY" \
  -d '{"state":"TX","limit":10,"page":1}'

// Page 2  
curl -X POST https://www.bankdatastack.com/api/v1/routing/database/state \
  -H "X-API-Key: YOUR_KEY" \
  -d '{"state":"TX","limit":10,"page":2}'

Applies To These Endpoints:

• All Routing Number Database search endpoints (5 endpoints)
• All SWIFT Database search endpoints (4 endpoints)

Routing Number APIs

Comprehensive routing number validation, lookup, and search capabilities for US banks and credit unions. Validate routing numbers for ACH and wire transfers, and search by location or institution name.

Routing Number Validation

Verify the authenticity of U.S. bank routing numbers and retrieve comprehensive bank details. Supports both ACH and wire transfer validation for accurate and secure financial transactions.

Key Features

• Routing number validation to verify authenticity and prevent errors
• Bank information retrieval including name, address, city, state, zip code, and phone
• Payment method support - determine if bank supports ACH or wire transfers
• 18,000+ institutions covered - all U.S. banks and credit unions
• Federal Reserve data - regularly updated from official sources
• Real-time validation with instant response times

Use Cases

• Payment Processing: Validate routing numbers before processing ACH or wire transfers
• Direct Deposit Setup: Verify employee bank account details for payroll
• Customer Onboarding: Confirm bank account legitimacy during signup
• Check Processing: Validate routing numbers on paper and electronic checks
• Account Verification: Ensure bank details are correct before fund transfers
• Fraud Prevention: Detect invalid or inactive routing numbers

Payment Types Supported

Endpoint

Request Parameters

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/routing/validate \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"routing_number": "021000021", "payment_type": "ach"}'

Response Fields

Example Response

{
  "status": "success",
  "data": {
    "routingNumber": "021000021",
    "paymentType": "ach",
    "name": "Jpmorgan Chase Bank, Na",
    "addressFull": "Tampa, FL",
    "city": "Tampa",
    "state": "FL",
    "type": "Main Office",
    "phone": "813-432-3700",
    "active": true,
    "lastUpdated": "2025-11-12"
  }
}

Example Error Responses

{
  "status": "error",
  "message": "Validation failed",
  "errors": {
    "routing_number": [
      "Routing number must be exactly 9 numeric digits. Example: \"021000021\"."
    ]
  }
}

{
  "status": "error",
  "message": "Routing number 123456789 failed checksum validation. Please verify the routing number is correct."
}

{
  "status": "error",
  "message": "021000099 is not a valid bank routing number!",
  "routing_number": "021000099",
  "payment_type": null
}

Routing Number Search & Lookup

Search our comprehensive database of US banks and credit unions. Find institutions by name, location, state, or ZIP code with lightning-fast responses. Supports pagination for efficient handling of large result sets.

Endpoint: /api/v1/routing/database/lookup

Look up a single routing number from our comprehensive database with optional real-time refresh.

Request Parameters

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/routing/database/lookup \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"routing_number": "113110984"}'

Success Response

{
  "status": "success",
  "message": "Routing number 113110984 found",
  "source": "database",
  "data": {
    "routingNumber": "113110984",
    "bank": "CITIZENS NATIONAL BANK",
    "address": "1320 LOOP 304 EAST",
    "city": "CROCKETT",
    "state": "TX",
    "zip": "75835",
    "phone": "(936) 544-9661",
    "dateOfRevision": "042104",
    "newRoutingNumber": "",
    "active": true
  }
}

Endpoint: /api/v1/routing/database/state

Find all banks in a specific US state with smart pagination.

Request Parameters

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/routing/database/state \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"state": "TX", "limit": 10, "page": 1}'

Success Response

{
  "status": "success",
  "message": "Found 10 routing number(s) for state: TX on page 1",
  "state": "TX",
  "data": [
    {
      "routingNumber": "113110984",
      "bank": "CITIZENS NATIONAL BANK",
      "city": "CROCKETT",
      "state": "TX",
      "zip": "75835",
      "phone": "(936) 544-9661",
      "active": true
    }
  ],
  "pagination": {
    "current_page": 1,
    "per_page": 10,
    "total": 458,
    "total_pages": 46,
    "has_more": true
  }
}

Endpoint: /api/v1/routing/database/bank

Search routing numbers by bank name (partial matching supported).

Request Parameters

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/routing/database/bank \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bank": "CHASE", "limit": 10}'

Endpoint: /api/v1/routing/database/city

Find banks in a specific city with optional state filter.

Request Parameters

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/routing/database/city \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"city": "New York", "state": "NY", "limit": 10}'

Endpoint: /api/v1/routing/database/zip

Find banks in a specific ZIP code area.

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/routing/database/zip \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"zip": "10005", "limit": 10}'

Endpoint: /api/v1/routing/database/search

Advanced multi-filter search combining bank name, city, state, and ZIP code.

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/routing/database/search \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bank": "CHASE", "city": "New York", "state": "NY"}'

BIN Checker API

Validate credit card information instantly by analyzing the Bank Identification Number (BIN). The BIN (first 6-8 digits of a card) provides real-time information about the issuing institution, card type, brand, and country of origin.

Key Features

• Real-time validation of credit and debit card BINs
• Card brand identification (Visa, Mastercard, American Express, Discover, etc.)
• Card type detection (credit, debit, prepaid)
• Issuer information including bank name and country
• Fraud prevention integration for e-commerce platforms
• Easy integration with existing payment systems

Use Cases

• Fraud Prevention: Verify card legitimacy during e-commerce transactions
• Payment Routing: Route transactions to appropriate payment processors
• Card Verification: Validate card details in subscription services
• Security Enhancement: Add extra validation layer in payment gateways
• Compliance: Meet regulatory requirements for card validation

Endpoint

Request Parameters

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/bin/validate \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bin": "424242"}'

Response Fields

Example Response

{
  "status": "success",
  "data": {
    "bin": "424242",
    "valid": true,
    "cardBrand": "VISA",
    "cardType": "CREDIT",
    "countryName": "UNITED KINGDOM",
    "countryCode": "GB"
  }
}

Example Error Responses

{
  "status": "error",
  "message": "Validation failed",
  "errors": {
    "bin": [
      "The bin must be at least 6 characters.",
      "The bin must not be greater than 8 characters."
    ]
  }
}

{
  "status": "error",
  "message": "BIN validation failed. The provided BIN may be invalid or the service is temporarily unavailable.",
  "bin": "999999"
}

IBAN Validator API

Validate International Bank Account Numbers (IBAN) with ISO 13616 compliance. Access critical banking information to verify account details, reduce errors, and ensure efficient processing of international payments.

Key Features

• ISO 13616 compliance for IBAN validation standards
• Checksum validation with mathematical error detection
• Format verification against strict international banking rules
• 89+ countries supported including all SEPA zones
• Real-time validation before transaction processing

Endpoint

Request Parameters

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/iban/validate \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"iban": "GB82WEST12345698765432"}'

Response Fields

Example Response

{
  "status": "success",
  "data": {
    "iban": "GB82WEST12345698765432",
    "valid": true,
    "countryCode": "GB",
    "checkDigits": "82",
    "bban": "WEST12345698765432"
  }
}

Example Error Responses

{
  "status": "error",
  "message": "Validation failed",
  "errors": {
    "iban": [
      "The iban must be at least 15 characters.",
      "The iban must not be greater than 34 characters."
    ]
  }
}

{
  "status": "error",
  "message": "IBAN checksum validation failed. The IBAN is mathematically invalid."
}

SWIFT & BIC Code APIs

Comprehensive SWIFT/BIC code validation, lookup, and search capabilities. Verify codes instantly and search by bank, city, or country with pagination support.

Endpoint: /api/v1/swift/lookup

Look up a single SWIFT code from our database.

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/swift/lookup \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"swift": "CHASUS33"}'

Endpoint: /api/v1/swift/search

Multi-criteria search with pagination (bank, city, country).

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/swift/search \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bank": "CHASE", "country_code": "US", "limit": 10, "page": 1}'

Endpoint: /api/v1/swift/bank

Find all SWIFT codes for a specific bank with pagination.

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/swift/bank \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bank": "SILICON VALLEY BANK"}'

Endpoint: /api/v1/swift/country

Get all SWIFT codes in a specific country with pagination.

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/swift/country \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"country_code": "SG", "limit": 10}'

Endpoint: /api/v1/swift/city

Find all SWIFT codes in a specific city with pagination.

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/swift/city \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"city": "LONDON", "country_code": "GB"}'

BIC Validation

BIC (Bank Identifier Code) and SWIFT codes are identical. Validate BIC codes and get comprehensive bank information.

Endpoint: /api/v1/bic/validate

Validate a BIC code (same as SWIFT validation).

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/bic/validate \
  -H "X-API-Key: YOUR_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bic": "CHASUS33"}'

SWIFT Code Validation

Verify SWIFT/BIC codes and get comprehensive bank information. Provides detailed bank data including institution name, location, branch details, and code breakdown to ensure accurate international transfers.

Endpoint

Request Parameters

Example Request

curl -X POST https://www.bankdatastack.com/api/v1/swift/validate \
  -H "X-API-Key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"swift": "CHASUS33"}'

Example Response

{
  "status": "success",
  "message": "SWIFT code CHASUS33 is valid",
  "data": {
    "swiftCode": "CHASUS33",
    "bank": "JPMORGAN CHASE BANK, N.A.",
    "city": "NEW YORK",
    "branch": "",
    "address": "383 MADISON AVENUE",
    "postCode": "10179",
    "country": "United States",
    "countryCode": "US",
    "breakdown": {
      "swiftCode": "CHASUS33 or CHASUS33XXX",
      "bankCode": "CHAS - code assigned to JPMORGAN CHASE BANK, N.A.",
      "countryCode": "US - code belongs to United States",
      "locationCode": "33 - represents location, second digit '3' means active code",
      "codeStatus": "Active",
      "branchCode": "XXX or not assigned, indicating this is a head office"
    }
  }
}

Response Fields

Example Error Responses

{
  "status": "error",
  "message": "Validation failed",
  "errors": {
    "swift": [
      "The swift must be at least 8 characters.",
      "The swift must not be greater than 11 characters."
    ]
  }
}

{
  "status": "error",
  "message": "SWIFT code validation failed. The provided SWIFT code may be invalid or the service is temporarily unavailable.",
  "swift": "INVALID12"
}

Error Handling

BankData uses conventional HTTP response codes to indicate success or failure. All error responses follow a consistent format with a status field set to "error" and a descriptive message.

HTTP Status Codes

Example Error Responses

{
  "status": 401,
  "success": false,
  "message": "Invalid or expired API key."
}

{
  "status": 403,
  "success": false,
  "message": "Please subscribe to a plan to use the API."
}

{
  "status": 429,
  "success": false,
  "message": "Rate limit exceeded. Maximum 60 requests per minute.",
  "rate_limit": 60,
  "retry_after": 45
}

Response Headers

Every API response includes usage and rate limit information in the response headers. These headers help you monitor your API usage and implement proper rate limiting in your application.

Example Response Headers

HTTP/1.1 200 OK
Content-Type: application/json
X-RateLimit-Limit: 60
X-RateLimit-Remaining: 45
X-RateLimit-Reset: 1735689600
X-Quota-Limit: 10000
X-Quota-Remaining: 9847
X-Quota-Reset: 2025-12-01T00:00:00+00:00

Rate Limits

Usage & Billing

We believe in fair and transparent billing. You are only charged for API calls that provide value to your application.

How We Count API Calls

Example Scenarios