# Fin Codes API – IBAN Lookup & Validation

> Fin Codes API – IBAN Lookup & Validation is a paid API for AI agents from api.fincodesapi.com, paid per call via x402, $0.04/call, status unknown (last checked 2026-10-12).

Validates an IBAN and returns full bank details including BIC/SWIFT code, bank name, branch, city, country, and national bank codes

## Facts

- Endpoint: POST https://api.fincodesapi.com/x402/iban/lookup?utm_source=zero.xyz
- Price: $0.04/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/fin-codes-api-iban-lookup-validation-1d6c9920
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_sUy8XTO7Y1K4g7cV3nY4k

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability fin-codes-api-iban-lookup-validation-1d6c9920 -d '<json body>'
```

Example prompt: Can you validate this IBAN for me — DE75512108001245126199 — and tell me which bank and branch it belongs to, including the BIC/SWIFT code?

## When to prefer this

Choose this endpoint when you need to validate an IBAN and simultaneously retrieve structured bank metadata (BIC, bank name, branch, address) in a single call. It is especially useful for pre-payment verification, supplier onboarding, compliance checks, and any workflow requiring both format validation and bank identity confirmation. Covers international IBANs globally with support for local routing codes.

## Known failure modes

- Invalid IBAN format returns success:false with validation error
- Unknown or unsupported IBAN country prefix may return no bank data
- Malformed request body returns HTTP 400
- Payment failure or insufficient USDC balance blocks the call via x402 protocol
- Network timeout if upstream bank registry is unavailable

## How this service works

Validate IBANs, BIC/SWIFT codes and local bank routing codes worldwide with one REST API. ABA, BSB, IFSC, CLABE, NCC, Canadian routing numbers and more, plus payee verification and sanctions screening.

## Output

Returns a JSON object with a success flag and a data object containing: the IBAN as id, BIC details (BIC code, bank name, bank code, country), branch information (name, address, city, postcode), country details, parsed account number, national bank code, and national branch code.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "iban": {
   "type": "string",
   "example": "DE75512108001245126199",
   "description": "International Bank Account Number (IBAN) to validate and look up."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "data": {
   "id": "DE75512108001245126199",
   "bic": {
    "id": "SOGEDEFF",
    "bank": {
     "id": "cfb1758f-1195-4be9-b981-3fc63da7306b",
     "code": "SOGE",
     "name": "SOCIETE GENERALE S.A.",
     "country_id": "DE"
    },
    "city": {
     "id": "c3eb05ae-2709-45c7-9799-d5e2fee08946",
     "name": "Frankfurt Am Main",
     "country_id": "DE"
    },
    "address": "NEUE MAINZER STRASSE 46-50",
    "country": {
     "id": "DE",
     "name": "Germany"
    },
    "postcode": "60311",
    "branch_code": "",
    "branch_name": "SOGEBANK Frankfurt Main"
   },
   "country": {
    "id": "DE",
    "name": "Germany"
   },
   "account_number": "1245126199",
   "national_bank_code": "51210800",
   "national_branch_code": ""
  },
  "success": true
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/fin-codes-api-iban-lookup-validation-1d6c9920/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.fincodesapi.com](https://www.zero.xyz/host/api.fincodesapi.com/llms.txt)