Look up the name on a bank account

curl --request POST \
  --url https://api.panoflow.io/v1/name-enquiry \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "account_number": "0119337731",
  "bank_code": "058"
}
'

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({account_number: '0119337731', bank_code: '058'})
};

fetch('https://api.panoflow.io/v1/name-enquiry', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.panoflow.io/v1/name-enquiry"

payload = {
    "account_number": "0119337731",
    "bank_code": "058"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

{
  "object": "name_enquiry",
  "account_number": "0119337731",
  "bank_code": "058",
  "bank_name": "GTBank",
  "account_name": "NGOZI ADEYEMI",
  "cached": false,
  "verified_at": "2026-10-28T08:29:12Z",
  "expires_at": "2026-10-29T08:29:12Z"
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

Banks

Look up the name on a bank account

Bank name enquiry: account number + bank code → the name on the account, as returned by the receiving bank. Shown as “Name confirmed by GTBank” before paying or saving a recipient.

Results are cached for 24 hours per (bank_code, account_number); cached says whether this answer came from the cache. Payouts to the same account within that window reuse it.
The partner call times out after 5 seconds and is not retried; a timeout returns 502 partner_timeout and the client may ask again.
422 name_enquiry_failed when the bank can’t find the account (“GTBank couldn’t find 0000000000”), 422 account_number_invalid when the number fails the NUBAN check for that bank.

Does not move money, so Idempotency-Key is optional. Rate-limited more tightly than other reads.

Error codes: invalid_api_key, parameter_invalid, parameter_missing, scope_missing, csrf_token_invalid, idempotency_key_reused, name_enquiry_failed, account_number_invalid, partner_timeout, bank_unavailable, rate_limited.

POST

name-enquiry

Look up the name on a bank account

curl --request POST \
  --url https://api.panoflow.io/v1/name-enquiry \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "account_number": "0119337731",
  "bank_code": "058"
}
'

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({account_number: '0119337731', bank_code: '058'})
};

fetch('https://api.panoflow.io/v1/name-enquiry', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.panoflow.io/v1/name-enquiry"

payload = {
    "account_number": "0119337731",
    "bank_code": "058"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

{
  "object": "name_enquiry",
  "account_number": "0119337731",
  "bank_code": "058",
  "bank_name": "GTBank",
  "account_name": "NGOZI ADEYEMI",
  "cached": false,
  "verified_at": "2026-10-28T08:29:12Z",
  "expires_at": "2026-10-29T08:29:12Z"
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

{
  "error": {
    "response_code": "00",
    "type": "invalid_request",
    "code": "invalid_json",
    "message": "<string>",
    "request_id": "<string>",
    "param": "<string>",
    "doc_url": "<string>",
    "details": {}
  }
}

Authorizations

Authorization

string

header

required

Server API key, scoped. pk_test_ keys hit the sandbox tenant.

Headers

Idempotency-Key

string

Optional on non-money POSTs; honoured when sent.

Required string length: 1 - 255

X-Request-Id

string

Optional client correlation id, up to 128 characters. It is not echoed: the response's X-Request-Id is always our own req_… id. We log your value with the request as client_request_id, so support can find a request by either id. A longer value is refused with 400 parameter_invalid.

Maximum string length: 128

Body

application/json

account_number

string

required

10-digit Nigerian NUBAN account number.

Pattern: ^\d{10}$

Example:

"8012457739"

bank_code

string

required

The bank's NIBSS NIP institution code (CBN bank code).

Example:

"058"

Response

The name on the account.

The receiving bank's answer to a name enquiry.

object

string

required

Always name_enquiry.

Allowed value: "name_enquiry"

account_number

string

required

10-digit Nigerian NUBAN account number.

Pattern: ^\d{10}$

Example:

"8012457739"

bank_code

string

required

The bank's NIBSS NIP institution code (CBN bank code).

Example:

"058"

bank_name

string

required

Display name of the bank.

account_name

string

required

Name on the account exactly as the bank returned it (usually upper case).

cached

boolean

required

True when this answer came from the 24-hour cache.

verified_at

string<date-time>

required

RFC 3339, UTC.

Example:

"2026-10-27T08:41:00Z"

expires_at

string<date-time>

required

RFC 3339, UTC.

Example:

"2026-10-27T08:41:00Z"

Accounts & transactions

Payments

Collections

Payroll

Approvals

Webhooks & events

OAuth

Look up the name on a bank account

Authorizations

Headers

Body

Response