SEPAmail Diamond API: automate IBAN control.
Control your customers' IBANs automatically and directly with banks with the SEPAmail Diamond API.
100% reliable IBAN check
Check your customers' IBANs directly with banks. No approximate and incomplete checks, it is only the bank holding the account that verifies that the IBAN belongs to your customer.
Strengthen your KYC processes
Add a new control point to your KYC process by integrating IBAN control into your customers' subscription process.
Avoid sample rejections
Always make your withdrawals from active accounts belonging to the right person, whether it is a business or an individual. No more rejection fees.
Secure your transfers
Execute all your transfers to the correct account. Avoid fraud and mistakes.
Secure your payments.
Avoid direct debit rejections.
Strengthen your KYC processes.
FAQ
Frequently Asked Questions
How does Ibantrack verify the identity of an IBAN holder?
Ibantrack queries the banking institution linked to the IBAN directly and in real-time.
Unlike a simple format or checksum check, we confirm that the name (or company name) matches the bank's official records.
Which countries are covered by Ibantrack?
Ibantrack allows you to verify bank accounts across the entire Eurozone.
This secures your international transactions and simplifies the management of your European suppliers, customers, and employees through a single solution.
Can I check IBANs from any bank, including neobanks?
Yes. Ibantrack allows you to verify IBANs from banks across the Eurozone, including traditional institutions, neobanks (such as Revolut, N26 or Trade Republic), and other payment service providers.
Is the verification result reliable?
Yes. Ibantrack queries the bank holding the account directly, allowing them to perform the check against their own live records.
The result is fully reliable and definitive, unlike other solutions that rely on past transaction history or crowdsourced databases. Only a direct query to the banking institution can guarantee the holder's identity and effectively protect you against wire transfer fraud.
Does your solution allow me to find out who owns an IBAN?
(e.g., to find a name after an accidental transfer)
Due to security regulations and banking secrecy, you must always provide both the IBAN and the identity (name or company name) of the beneficiary. We then confirm if these two elements match.
If the identity entered is a close match to the bank's records (e.g., a typo, a compound name, or a maiden name), Ibantrack will provide the exact name registered by the bank. This transparency allows you to clear up any doubts instantly and proceed with confidence.
However, if the identity does not match at all, we are not authorized to reveal the actual account holder's name. We will simply inform you that the details do not match, signaling a risk of error or fraud.
How do you ensure Data Privacy and Security?
We take data protection seriously and adhere to the highest global standards, including GDPR compliance.
All information is transmitted to banking institutions through secure, encrypted channels solely for the purpose of verification. To ensure maximum privacy, no banking data is stored permanently on our servers beyond your own consultation history.
We implement rigorous security protocols to protect your information and that of your beneficiaries, regardless of where your business is located. For more details, please refer to our Privacy Policy.
