AVS-R bank responses
Account verification Info:
Account Verification data is submitted for real-time verification, which expedites the response time. Not all banks are real-time participating banks; please refer to the Real-time Participating Banks document for more information.
Mandatory fields:
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Account Number
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Branch Code
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Identification number / Entity Number / Passport Number
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Identification type
Optional Fields:
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Account type (current or savings account)
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Surname/Company name/Trust name (maximum 60 characters) (please use upper case only)
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Initials (only applicable for verification of individual account) (please use upper case only)
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Email address
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Cell phone number
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Sub billing ID
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Client user reference 1 (maximum 60 characters)
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Client user reference 2 (maximum 60 characters)
Data Fields Verified by Participating banks:
The column Mandatory / Optional indicates whether the receiving bank is obligated to verify the field and return a response.
| Field to be verified | Reply | Mandatory/ Optional | Absa | Capitec Bank | FNB | Nedbank | African Bank | Standard Bank |
|---|---|---|---|---|---|---|---|---|
| Account found | Y - account found N - account not found U - unprocessed due to SLA exceeded F - failed Nedbank validation | M | Y | Y | Y | Y | Y | Y |
| Account open | Y - account is open N - account is not open U - field cannot be checked | M | Y | Y | Y | Y | Y | Y |
| Account open length | Y - account is open (> 3 months) | M | Y | Y | Y | Y | Y | Y |
| N – account is not open (> 3 months) U – field cannot be checked | ||||||||
| Account dormant | Y – account dormant N – account active U – field cannot be checked | O | N | N | N | Y | N | N |
| Identity number match | Y – there is a match N – there is not a match U – field cannot be checked | M | Y | Y | Y | Y | Y | Y |
| Initials match | Y – initials match N – initials do not match U – field cannot be checked | O | Y | N | Y | Y | Y | Y |
| Surname match for account- holder or name match for company | Y – there is a match N – there is not a match U – field cannot be checked | O | Y | Y | Y | Y | Y | Y |
| Account accepts debits | Y – account accepts debits N – account does not accept debits U – field cannot be checked | M | Y | Y | Y | Y | Y | Y |
| Account accepts credits | Y – account accepts credits N – account does not accept credits U – field cannot be checked | M | Y | Y | Y | Y | Y | Y |
| Account type match | Y – account type matches N – account type does not match U – field cannot be checked | O | N | N | N | Y | N | N |
| Email address match | Y - account accepts creditsN - account does not accept creditsU - field cannot be checked | O | Y | Y | Y | Y | Y | Y |
| Cell phone number match | Y - account accepts creditsN - account does not accept creditsU - field cannot be checked | O | Y | Y | Y | Y | Y | Y |
This list will be expanded once updated information is received.