NUBAN Account Verification API: Nigerian Bank Account Lookup

Use the LumiID NUBAN Account Verification API to verify Nigerian bank accounts before transfers, payouts, direct debits, or customer onboarding. Submit a 10-digit NUBAN account number alongside the customer’s CBN bank code to confirm the account name and bank details in under 2 seconds. Data is sourced from NIBSS and participating Nigerian banks. This API supports payment validation, KYC, fraud prevention, payroll, and loan disbursement workflows — helping you reduce failed transactions and routing errors.

Overview

Property	Details
Country	🇳🇬 Nigeria
Data Source	NIBSS & Participating Banks
Account Format	10-digit NUBAN
Typical Latency	< 2 seconds
Sandbox	Supported

Endpoint

POST https://api.lumiid.com/v1/ng/nuban/

Authentication

Include your API credentials with every request.

Header	Type	Description
`Authorization`	string	`Bearer YOUR_SECRET_KEY`
`Content-Type`	string	`application/json`

Request Body

string

required

A valid 10-digit Nigerian bank account number (NUBAN format).

string

required

The 3-digit CBN bank code for the customer’s bank. For example, use 044 for Access Bank. Call GET /v1/ng/banks/ to retrieve a full list of supported banks and their codes.

Example Request

{
  "account_number": "1234567890",
  "bank_code": "044"
}

Success Response

{
  "success": true,
  "code": "NUBAN_VERIFIED",
  "message": "Account verification successful",
  "verification_type": "NUBAN",
  "summary": {
    "verified": true,
    "verification_type": "NUBAN",
    "provider": "LumiID",
    "confidence_score": 1.0
  },
  "data": {
    "account_number": "1234567890",
    "account_name": "JOHN ADAMS DOE",
    "bank_code": "044",
    "bank_name": "Access Bank"
  },
  "meta": {
    "request_id": "req_a3f9c21d9b4e",
    "timestamp": "2026-07-28T11:05:42Z"
  }
}

Response Fields

boolean

Indicates whether the request completed successfully.

string

Machine-readable response code. Returns NUBAN_VERIFIED on success.

string

Human-readable response message.

string

Always NUBAN.

object

Verification summary.

Show summary fields

boolean

Whether the account was successfully verified.

string

Always NUBAN.

string

Always LumiID.

number

Confidence score for the verification result. Returns 1.0 for a confirmed match.

object

Verified bank account information.

Show data fields

string

Verified bank account number.

string

Official account holder’s name.

string

CBN bank code.

string

Bank associated with the account number.

object

Request metadata.

Show meta fields

string

Unique request identifier for auditing and support.

string

ISO 8601 timestamp of when the request was processed.

Nigerian Bank Codes

LumiID provides a helper endpoint for retrieving the latest list of Nigerian banks and their official CBN bank codes. Using this endpoint ensures your application always uses current, supported banking information rather than maintaining a static list.

GET https://api.lumiid.com/v1/ng/banks/

This endpoint returns:

Bank name
CBN bank code
Bank logo (where available)

Error Codes

HTTP	Code	Description
400	`INVALID_ACCOUNT_NUMBER`	The account number is invalid or not 10 digits.
400	`INVALID_BANK_CODE`	The supplied bank code is invalid or unsupported.
404	`ACCOUNT_NOT_FOUND`	No account matches the supplied account number and bank code.
401	`INVALID_API_KEY`	Authentication failed. Verify your API credentials.
402	`INSUFFICIENT_FUNDS`	Your LumiID wallet balance is insufficient.
500	`SERVER_ERROR`	An unexpected error occurred. Retry the request.
503	`SERVICE_UNAVAILABLE`	The banking verification service is temporarily unavailable.
504	`TIMEOUT`	The verification request timed out. Retry after a short delay.

Code Example

import requests

url = "https://api.lumiid.com/v1/ng/nuban/"

headers = {
    "Authorization": "Bearer YOUR_SECRET_KEY",
    "Content-Type": "application/json"
}

payload = {
    "account_number": "1234567890",
    "bank_code": "044"
}

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

print(response.json())

Get Started

General

Government Verification

Business Verification

Biometric & AML

SDKs & Integration

Reference

NUBAN Account Verification API: Nigerian Bank Account Lookup

Overview

Endpoint

Authentication

Request Body

Example Request

Success Response

Response Fields

Nigerian Bank Codes

Error Codes

Code Example

​Overview

​Endpoint

​Authentication

​Request Body

​Example Request

​Success Response

​Response Fields

​Nigerian Bank Codes

​Error Codes

​Code Example

Overview

Endpoint

Authentication

Request Body

Example Request

Success Response

Response Fields

Nigerian Bank Codes

Error Codes

Code Example