Mobile to Bank API
Find the bank accounts linked to an Indian mobile number, so customers can confirm an existing account instead of typing one in.
What the Mobile to Bank API does
Mobile to Bank returns the bank accounts associated with a given mobile number, drawing on records that link phone numbers to banking relationships. It turns a long, error-prone form field into a confirmation step.
This shortens onboarding noticeably. Rather than asking a customer to find their cheque book and type a sixteen-digit account number, you present the account you already resolved and ask them to confirm it.
Where teams use the Mobile to Bank API
Pre-filling bank details during digital lending journeys
Reducing drop-off on account entry in mobile-first flows
Cross-checking a declared account against ones already linked to the customer
Detecting when an applicant supplies an account with no history against their number
Frequently Asked Questions (FAQs)
Do I need the customer's consent?
Yes. This returns financial information tied to an individual, so collect and record explicit consent before you query it.
Will it always find an account?
No. Coverage depends on the number being linked in the source records. Treat a nil result as inconclusive rather than as evidence the customer has no bank account.
Does it confirm the account is active?
Not on its own. Follow it with a penny-drop or penny-less verification if you intend to send money to the account.
Related APIs
- Bank Verification Penny Drop API Confirm an Indian bank account is live and correctly owned by depositing one rupee and reading back the account holder name from the bank.
- Mobile to UAN API Find the Universal Account Numbers linked to an Indian mobile number, so an employment check can start from a phone number alone.
- Bank Verification Hybrid API Verify any Indian bank account with automatic routing between penny-drop and penny-less checks, so you get the fastest valid result every time.
- Bank Verification Pennyless API Validate an Indian bank account and fetch the account holder name without transferring any money, using real-time banking network data.
Start verifying with the Mobile to Bank API
Book a walkthrough and we will show the call, the response and how it fits your onboarding flow.
- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale