NUBAN Advanced - Adhere by Smartcomply

NUBAN Advanced

curl --request POST \
  --url https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/ \
  --header 'Content-Type: application/json' \
  --header 'x-access-token: <api-key>' \
  --data '
{
  "account_number": "0123456789",
  "bank_code": "044",
  "customer_name": "STEPHEN BADMUS"
}
'

import requests

url = "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/"

payload = {
    "account_number": "0123456789",
    "bank_code": "044",
    "customer_name": "STEPHEN BADMUS"
}
headers = {
    "x-access-token": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {'x-access-token': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    account_number: '0123456789',
    bank_code: '044',
    customer_name: 'STEPHEN BADMUS'
  })
};

fetch('https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'account_number' => '0123456789',
    'bank_code' => '044',
    'customer_name' => 'STEPHEN BADMUS'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "x-access-token: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/"

	payload := strings.NewReader("{\n  \"account_number\": \"0123456789\",\n  \"bank_code\": \"044\",\n  \"customer_name\": \"STEPHEN BADMUS\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-access-token", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/")
  .header("x-access-token", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_number\": \"0123456789\",\n  \"bank_code\": \"044\",\n  \"customer_name\": \"STEPHEN BADMUS\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_number\": \"0123456789\",\n  \"bank_code\": \"044\",\n  \"customer_name\": \"STEPHEN BADMUS\"\n}"

response = http.request(request)
puts response.read_body

{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

POST

api

onboarding

nigeria_kyc

nuban_advanced

NUBAN Advanced

curl --request POST \
  --url https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/ \
  --header 'Content-Type: application/json' \
  --header 'x-access-token: <api-key>' \
  --data '
{
  "account_number": "0123456789",
  "bank_code": "044",
  "customer_name": "STEPHEN BADMUS"
}
'

import requests

url = "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/"

payload = {
    "account_number": "0123456789",
    "bank_code": "044",
    "customer_name": "STEPHEN BADMUS"
}
headers = {
    "x-access-token": "<api-key>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {'x-access-token': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    account_number: '0123456789',
    bank_code: '044',
    customer_name: 'STEPHEN BADMUS'
  })
};

fetch('https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'account_number' => '0123456789',
    'bank_code' => '044',
    'customer_name' => 'STEPHEN BADMUS'
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "x-access-token: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/"

	payload := strings.NewReader("{\n  \"account_number\": \"0123456789\",\n  \"bank_code\": \"044\",\n  \"customer_name\": \"STEPHEN BADMUS\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-access-token", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/")
  .header("x-access-token", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"account_number\": \"0123456789\",\n  \"bank_code\": \"044\",\n  \"customer_name\": \"STEPHEN BADMUS\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"account_number\": \"0123456789\",\n  \"bank_code\": \"044\",\n  \"customer_name\": \"STEPHEN BADMUS\"\n}"

response = http.request(request)
puts response.read_body

{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

The NUBAN Advanced endpoint provides a more comprehensive view of a bank account compared to the standard NUBAN check. In addition to resolving the account name, it compares the account against a customer_name you provide and returns a name-match confidence score — useful for confirming that a bank account genuinely belongs to the person or business claiming it.

Endpoint

POST /api/onboarding/nigeria_kyc/nuban_advanced/

Request

Headers

Header	Value	Required
`x-access-token`	Your API secret key	Yes
`Content-Type`	`application/json`	Yes

Body Parameters

Parameter	Type	Required	Description
`account_number`	string	Yes	The 10-digit NUBAN account number
`bank_code`	string	Yes	The bank code (see NUBAN bank codes)
`customer_name`	string	Yes	The name to check against the registered account holder’s name

Example

curl -X POST "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/" \
  -H "x-access-token: YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{"account_number": "0768540312", "bank_code": "035", "customer_name": "STEPHEN BADMUS"}'

import requests
response = requests.post(
    "https://adhere-api.smartcomply.com/api/onboarding/nigeria_kyc/nuban_advanced/",
    headers={"x-access-token": "YOUR_SECRET_KEY", "Content-Type": "application/json"},
    json={"account_number": "0768540312", "bank_code": "035", "customer_name": "STEPHEN BADMUS"},
)

Response

200 OK

Field	Type	Description
`data.bank_id`	integer	Internal bank identifier
`data.account_name`	string	Registered account holder name
`data.account_number`	string	Account number that was queried
`data.comparism_data.status`	boolean	Whether `customer_name` matches the registered account holder
`data.comparism_data.confidence`	number	Name-match confidence score (0–1)

{
  "status": "success",
  "data": {
    "bank_id": 11,
    "account_name": "STEPHEN BADMUS",
    "account_number": "0768540312",
    "comparism_data": {
      "status": true,
      "confidence": 1.0
    }
  },
  "message": "Nuban details retrieved successfully"
}

400 Bad Request

{
  "status": "failed",
  "data": [],
  "message": "Account Number and Bank Code are required"
}

401 Unauthorized

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

Authorizations

x-access-token

string

header

required

Your Adhere API secret key

Body

application/json

account_number

string

required

Example:

"0123456789"

bank_code

string

required

Example:

"044"

customer_name

string

required

The name to check against the registered account holder's name

Example:

"STEPHEN BADMUS"

Response

NUBAN advanced data retrieved

​Endpoint

​Request

​Headers

​Body Parameters

​Example

​Response

​200 OK

​400 Bad Request

​401 Unauthorized

Authorizations

Body

Response

Endpoint

Request

Headers

Body Parameters

Example

Response

200 OK

400 Bad Request

401 Unauthorized