> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.shimi.cash/api-reference/shimi-api/settlement-payouts/validate-bank-account/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.shimi.cash/_mcp/server.

# Validate Bank Account

POST https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account
Content-Type: application/json

Resolves a beneficiary account name before paying out to it, and reserves a `verify_id` for the next 15 minutes to use in **Send Payout**.

**Errors:** `400` invalid PIN, account does not exist, or settlement account not found.

**Body (JSON)** - checked by Joi (`verifysettlementPayoutSchema`).

| Field              | Type   | Required | Rules                                                                     |
| ------------------ | ------ | -------- | ------------------------------------------------------------------------- |
| `bank_code`        | string | yes      | 4-10 chars; use a `code` from List Supported Banks (e.g. `000013` GTBank) |
| `account_number`   | string | yes      | 9-11 chars (10-digit NUBAN)                                               |
| `pin`              | string | yes      | exactly 4 chars - your transaction PIN                                    |
| `fromSettlementId` | number | yes      | The settlement account to pay from                                        |

**Behaviour notes**

* Resolves the beneficiary name. `data.id` is the `verify_id` for **Send Payout**, and later the payout `reference` used by Check Payout Status / Fetch One Settlement Transaction.
* The code sets **no expiry** on a `verify_id`.
* Each `verify_id` can be used for **one** payout only.
* Business errors are HTTP 400 `{ "error": " failed: <reason>" }`; the message starts with a space.

Reference: https://docs.shimi.cash/api-reference/shimi-api/settlement-payouts/validate-bank-account

## Authentication

- `Authorization` header (bearer token, required) — Access token from Generate Access Token (valid 15 minutes).

## Request

### Body (application/json)

This endpoint expects an object.

- `bank_code` (string, optional)
- `account_number` (string, optional)
- `pin` (string, optional)
- `fromSettlementId` (integer, optional)

## Response

### 200

OK

- `data` (SettlementValidateAccountPostResponsesContentApplicationJsonSchemaData, optional)

## Errors

### 400 Bad Request Error

Validation error / Invalid PIN / Account does not exist / Settlement account not found / PIN not set up

- `status` (string, optional)
- `message` (string, optional)
- `details` (list of string, optional)
- `error` (string, optional)

### 401 Unauthorized Error

Unauthorized

- `message` (string, optional)

### 403 Forbidden Error

Invalid or expired access token / KYB not approved / Account deactivated

- `message` (string, optional)
- `code` (string, optional)
- `kybStatus` (string, optional)

## Types

### SettlementValidateAccountPostResponsesContentApplicationJsonSchemaData

- `id` (string, optional)
- `account_name` (string, optional)
- `account_number` (string, optional)

## Examples

### 200 Success

**Response**

```json
{
  "data": {
    "id": "cmgb3n7q20007lp4x9s1t6e8d",
    "account_name": "EMEKA JOHN NWOSU",
    "account_number": "0123456789"
  }
}
```

**SDK Code**

```python 200 Success
import requests

url = "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account"

headers = {"Authorization": "Bearer <token>"}

response = requests.post(url, headers=headers)

print(response.json())
```

```javascript 200 Success
const url = 'https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account';
const options = {method: 'POST', headers: {Authorization: 'Bearer <token>'}};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go 200 Success
package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account"

	req, _ := http.NewRequest("POST", url, nil)

	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby 200 Success
require 'uri'
require 'net/http'

url = URI("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body
```

```java 200 Success
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account")
  .header("Authorization", "Bearer <token>")
  .asString();
```

```php 200 Success
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account', [
  'headers' => [
    'Authorization' => 'Bearer <token>',
  ],
]);

echo $response->getBody();
```

```csharp 200 Success
using RestSharp;

var client = new RestClient("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
IRestResponse response = client.Execute(request);
```

```swift 200 Success
import Foundation

let headers = ["Authorization": "Bearer <token>"]

let request = NSMutableURLRequest(url: NSURL(string: "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Settlement & Payouts_validateBankAccount_example

**Request**

```json
{
  "bank_code": "000016",
  "account_number": "2029378380",
  "pin": "1234",
  "fromSettlementId": 1
}
```

**Response**

```json
{
  "data": {
    "id": "cmgb3n7q20007lp4x9s1t6e8d",
    "account_name": "EMEKA JOHN NWOSU",
    "account_number": "0123456789"
  }
}
```

**SDK Code**

```python Settlement & Payouts_validateBankAccount_example
import requests

url = "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account"

payload = {
    "bank_code": "000016",
    "account_number": "2029378380",
    "pin": "1234",
    "fromSettlementId": 1
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Settlement & Payouts_validateBankAccount_example
const url = 'https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"bank_code":"000016","account_number":"2029378380","pin":"1234","fromSettlementId":1}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Settlement & Payouts_validateBankAccount_example
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account"

	payload := strings.NewReader("{\n  \"bank_code\": \"000016\",\n  \"account_number\": \"2029378380\",\n  \"pin\": \"1234\",\n  \"fromSettlementId\": 1\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Settlement & Payouts_validateBankAccount_example
require 'uri'
require 'net/http'

url = URI("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"bank_code\": \"000016\",\n  \"account_number\": \"2029378380\",\n  \"pin\": \"1234\",\n  \"fromSettlementId\": 1\n}"

response = http.request(request)
puts response.read_body
```

```java Settlement & Payouts_validateBankAccount_example
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"bank_code\": \"000016\",\n  \"account_number\": \"2029378380\",\n  \"pin\": \"1234\",\n  \"fromSettlementId\": 1\n}")
  .asString();
```

```php Settlement & Payouts_validateBankAccount_example
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account', [
  'body' => '{
  "bank_code": "000016",
  "account_number": "2029378380",
  "pin": "1234",
  "fromSettlementId": 1
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Settlement & Payouts_validateBankAccount_example
using RestSharp;

var client = new RestClient("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"bank_code\": \"000016\",\n  \"account_number\": \"2029378380\",\n  \"pin\": \"1234\",\n  \"fromSettlementId\": 1\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Settlement & Payouts_validateBankAccount_example
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "bank_code": "000016",
  "account_number": "2029378380",
  "pin": "1234",
  "fromSettlementId": 1
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/settlement/validate-account")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```