Skip to main content

Link Bank Account

POST 
/v1/users/account-link

Link user account with bank details. These details will be used for refunds or offramp payouts. Adding bank details are mandatory before placing any offramp order or bank transfer methods onramp order.

Bank verification is done via penny drop — a small test transaction is sent to the account to confirm it is active. The account holder name returned from the bank is matched against the user's KYC name (Aadhaar/PAN name).

Bank account limit: Each user can link a maximum of 50 bank accounts. Attempting to add more will return an error.

Request​

Responses​

Bank account linked. Check the bankStatus field in the response:

  • SUCCESS — Account verified and ready to use (reason: "Account is valid")
  • FAILED — Verification failed. reason values: "kyc name mismatch. ACCOUNT HOLDER NAME: <NAME>, kycNames: <KYC_NAME>", "nre account", or "invalid account" (account is invalid or frozen)
  • PENDING — Verification partners could not verify automatically. Retry linking.
  • MANUAL — Automatic verification could not complete. User must submit a bank statement or passbook.