Testing Verify

Use the test values below to simulate how Nium Verify behaves with different bank account and proxy details. These examples help you confirm both successful and failed verification flows in your sandbox environment.

Verify with bank account details

Use the following values to test bank account details for different countries and currencies.

Country	Currency	Bank/Proxy	Account Name	Bank Account Number	Routing Code	Bank Code	Status
GB	GBP	Bank	JOHN SMITH	1212121212	123456	—	Valid (Match)
GB	GBP	Bank	JOHN SMITH	11111111	123456	—	Valid (Partial Match)
GB	GBP	Bank	JOHN SMITH	131313131313	123456	—	Valid (No Match)
GB	GBP	Bank	JOHN SMITH	22222222	123456	—	Invalid
ID	IDR	Bank	HJ. FARIDAH EFFEND	1122334455	CENAIDJA	—	Valid (Match)
ID	IDR	Bank	HJ. FARIDAH	1122334455	CENAIDJA	—	Valid (Partial Match)
ID	IDR	Bank	FIRA DIYANKA	1122334455	CENAIDJA	—	Valid (No Match)
ID	IDR	Bank	JOHN DOE	123456789012345	SYJBIDJ1	—	Invalid
TH	THB	Bank	TEST DEMO	1111111111	KASITHB1	—	Valid
TH	THB	Bank	TEST DEMO	2222222222	KASITHB1	—	Invalid
VN	VND	Bank	NGUYEN VAN A	11111111111	VTCBVNVX	—	Valid (Match)
VN	VND	Bank	NGUYEN VAN A	11111111111	VTCBVNVX	—	Valid (Partial Match)
VN	VND	Bank	NGUY	11111111111	VTCBVNVX	—	Valid (No Match)
VN	VND	Bank	NGUYEN	2222222222	VTCBVNVX	—	Invalid
IN	INR	Bank	Beneficiary Name	11111111111111	HDFC0000522	—	Valid (Match)
IN	INR	Bank	Bene Name	11111111111111	HDFC0000522	—	Valid (Partial Match)
IN	INR	Bank	Bene	11111111111111	HDFC0000522	—	Valid (No Match)
IN	INR	Bank	TEST DEMO	22222222222222	HDFC0000522	—	Invalid
MY	MYR	Bank	TEST CUSTOMER WP 1	0033991118	OCBCMYKL	—	Valid (Match)
MY	MYR	Bank	TEST CUSTOMER	0033991118	OCBCMYKL	—	Valid (Partial Match)
MY	MYR	Bank	DEMO	0033991118	OCBCMYKL	—	Valid (No Match)
MY	MYR	Bank	TEST DEMO	12343333	OCBCMYKL	—	Invalid
PK	PKR	Bank	ABDUL AZEEM	1111111111	HABBPKKA	-	Valid (Match)
PK	PKR	Bank	ABDUL	1111111111	HABBPKKA	-	Valid (Partial Match)
PK	PKR	Bank	TEST	1111111111	HABBPKKA	-	Valid (No Match)
PK	PKR	Bank	ABDUL	2222222222	HABBPKKA	-	Invalid
PK	PKR	Bank	ABDUL AZEEM	1111111111	-	HABB	Valid (Match)
PK	PKR	Bank	ABDUL	1111111111	-	HABB	Valid (Partial Match)
PK	PKR	Bank	TEST	1111111111	-	HABB	Valid (No Match)
PK	PKR	Bank	ABDUL	2222222222	-	HABB	Invalid
KR	KRW	Bank	ASAN	1212121212	123456	—	Valid (Match)
KR	KRW	Bank	ASAN	11111111	123456	—	Valid (Partial Match)
KR	KRW	Bank	ASAN	131313131313	123456	—	Valid (No Match)
KR	KRW	Bank	JOHN SMITH	22222222	123456	—	Invalid
NG	NGN	Bank	OYENIYI TOLULOPE OYEBIYI	1111111111	CMBBNGLA	—	Valid (Match)
NG	NGN	Bank	OYENIYI	1111111111	CMBBNGLA	—	Valid (Partial Match)
NG	NGN	Bank	TEST	1111111111	CMBBNGLA	—	Valid (No Match)
NG	NGN	Bank	OYENIYI	2222222222	CMBBNGLA	—	Invalid
TZ	TZS	Bank	NICHOLAS	1111111111	EQBLTZTZ	—	Valid (Match)
TZ	TZS	Bank	NICH0	1111111111	EQBLTZTZ	—	Valid (Partial Match)
TZ	TZS	Bank	NIC	1111111111	EQBLTZTZ	—	Valid (No Match)
TZ	TZS	Bank	NICHOLAS	2222222222	EQBLTZTZ	—	Invalid
US	USD	Bank	MELANIE	100000555	101000019	—	Valid (Match)
US	USD	Bank	MELANIE	100000444	101000019	—	Valid (Partial Match)
US	USD	Bank	MELANIE	100000333	101000019	—	Valid (No Match)
US	USD	Bank	MELANIE	100000222	101000019	—	Invalid
EU	EUR	Bank	CREDITOR	FR28503399001111111111	—	—	Valid (Match)
EU	EUR	Bank	CREDITOR	FR28503399001212121212	—	—	Valid (Partial Match)
EU	EUR	Bank	CREDITOR	FR28503399001313131313	—	—	Valid (No Match)
EU	EUR	Bank	CREDITOR	FR28503399002222222222	—	—	Invalid

• For EU corridors, we've used a PL-based IBAN (Poland) as a reference example.
• To test other countries, replace the first two letters of the IBAN (e.g., PL) with the ISO country code of the EU country you want to test (e.g., DE for Germany, FR for France, ES for Spain).
• The rest of the IBAN stays the same for testing purposes.

Verify with proxy details

These test values simulate proxy-based verification methods such as mobile number or email.

Country	Currency	Name	Proxy Type	Proxy Value	Status
HK	HKD	NEW INDIA LTD	FPS ID	0408922	Valid (Match)
HK	HKD	NEW INDIA LTD	MOBILE	+850-12345678	Invalid
IN	INR	Omi	VPA	omi1@yesb	Valid (Match)
IN	INR	Omi	VPA	omi2@yesb	Valid (Partial Match)
IN	INR	ABCD	VPA	omi001@yesb	Invalid
MY	MYR	Test Demo	NRIC	1111	Valid (Match)
MY	MYR	Test Demo	NRIC	1112	Valid (Partial Match)
MY	MYR	Test Demo	NRIC	9999	Invalid
SG	SGD	Ranaditya	MOBILE	+6591234567	Valid (Match)
SG	SGD	Ranaditya	MOBILE	+6591234568	Valid (Partial Match)
SG	SGD	—	MOBILE	+6500000000	Invalid
AU	AUD	Layla Eade	EMAIL	valid-email@gmail.com	Valid
AU	AUD	test	ABN	22222222222	Invalid

Testing name match

Some corridors return a nameMatch field in the response detailing if the name provided matches the name registered with the bank. Use the test values in the tables above to trigger each possible outcome.

Response values

The nameMatch field in derivedAccountDetails returns one of the following values:

Value	Meaning
match	The name provided exactly or closely matches the name registered at the bank.
partial_match	The name partially matches — for example, a middle name is missing, initials differ, or there is a minor spelling variation. Review before proceeding.
no_match	The name does not match the name registered at the bank. Do not proceed without manual review or updated account details.

Testing scenarios

The tables above include a Status column that indicates the expected outcome. Use the provided account number for the scenario you want to test:

• Valid (Match): Use the account number from the Match row. The response returns nameMatch: match.
• Valid (Partial Match): Use the Partial Match account number. The response returns nameMatch: partial_match.
• Valid (No Match): Use the No Match account number. The response returns nameMatch: no_match.
• Invalid: Use the Invalid account number. The request returns status: invalid with no nameMatch value.

For corridors where name match is not supported, the nameMatch field is not returned in the response regardless of the account name provided.