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Bank Pennyless API

Explore account checks without a verification credit.

Need to verify a bank account without sending a small credit? Contact BankU to check whether pennyless verification is available for the accounts you need.

Talk to our team Explore features

Need API access? Talk to our team.

Published API reference Authorised access Integration support

A CLOSER LOOK

What you can do with Bank Pennyless.

See how each feature works.

  1. Bank-detail inputs

    Use the account number and IFSC fields already documented for bank-account verification.

  2. Optional holder name

    Provide the expected name when it is available and relevant to the approved check.

  3. Documented integration

    Use the published bank-verification request structure, with the method confirmed as part of your approved setup.

  4. Provider-result review

    Interpret the returned verification outcome before using the account in a later business process.

  5. Setup confirmation

    Agree on method availability and transaction behaviour with BankU before treating the journey as pennyless.

FOR YOUR DEVELOPMENT TEAM

Take the next step with the right details.

See the documentation for request fields, responses and setup instructions.

  • Check the published inputs, response format and error handling.
  • Keep credentials on your server and collect only authorised data.
  • Confirm provider access and deployment requirements with BankU.

Pennyless availability is not an activation promise. The current documentation has no separate pennyless endpoint or method selector.

BUILT AROUND YOUR WORK

Where Bank Pennyless fits.

Common uses for this API.

Beneficiary onboarding

Discuss a non-credit verification method for the accounts your workflow needs to review.

Vendor bank records

Plan a bank-detail check as part of supplier registration, subject to supported methods.

Account-change review

Add a documented verification step when an authorised user requests a change of bank details.

FROM REQUEST TO REVIEW

A clear path through the process.

  1. Check availability

    Confirm that a pennyless method is offered for the intended account and organisation setup.

  2. Use the approved contract

    Submit account details through the bank-verification operation agreed for your integration.

  3. Apply your review rules

    Read the result, keep the request reference and resolve unclear outcomes before proceeding.

GOOD QUESTIONS

Before you get started.

Common questions about Bank Pennyless.

Is pennyless currently guaranteed by the published contract?

No. The public contract documents bank-account verification but does not expose or guarantee a pennyless mode. Confirm it with BankU first.

How is pennyless different from penny drop?

A pennyless method checks account details without a small verification credit. A penny-drop method involves a verification transaction. The actual method must be confirmed for your setup.

Can I use the same technical reference?

Yes. This page points to the existing bank-account verification reference. BankU will need to confirm whether and how a pennyless method is available under your approved setup.

EXPLORE MORE

Bank Penny DropUPI Penny DropIFSC VerificationBank Directory