Lookup Banks / Providers

Overview

Before sending a payout, you’ll typically want to:

Fetch the list of available banks or mobile money providers for the destination country.
Verify the recipient’s account or momo number to confirm the account name before proceeding.

Both steps use a simple two-endpoint flow described below.

Step 1 — Fetch Providers

Use this endpoint to retrieve all supported banks or mobile money networks for a given transfer method and country.

GET /v1/transaction/{method}/providers

Path Parameter

Parameter	Description
`method`	Transfer method — `BANK_TRANSFER` or `MOBILE_MONEY`

Query Parameters

Parameter	Type	Required	Description
`currency`	string	Yes	ISO 4217 currency code (e.g. `NGN`, `GHS`)
`iso2`	string	Yes	ISO 3166-1 alpha-2 country code (e.g. `NG`, `GH`)

Examples

curl --request GET \
  --url "https://dev.interface.monirates.com/v1/transaction/BANK_TRANSFER/providers?currency=NGN&iso2=NG" \
  --header "x-api-key: <YOUR_API_KEY>"

curl --request GET \
  --url "https://dev.interface.monirates.com/v1/transaction/MOBILE_MONEY/providers?currency=GHS&iso2=GH" \
  --header "x-api-key: <YOUR_API_KEY>"

Responses

{
  "success": true,
  "data": [
    { "name": "SOSA MFB", "bankCode": "090836" },
    { "name": "CEVIANT FINANCE LIMITED", "bankCode": "050043" }
  ]
}

{
  "success": true,
  "message": "Banks fetched successfully",
  "data": [
    {
      "network": "MTN",
      "name": "MTN",
      "code": "MTN",
      "logo": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/momo/mtn.png",
      "hasGateway": true
    },
    {
      "network": "AIRTELTIGO",
      "name": "AIRTELTIGO",
      "code": "AIRTEL",
      "logo": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/momo/airteltigo.png",
      "hasGateway": true
    },
    {
      "network": "VODAFONE",
      "name": "VODAFONE",
      "code": "VODAFONE",
      "logo": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/momo/vodafone.jpeg",
      "hasGateway": true
    },
    {
      "network": "TELECEL",
      "name": "TELECEL",
      "code": "TELECEL",
      "logo": "https://monirate-product-design.s3.eu-west-2.amazonaws.com/momo/telecel.png",
      "hasGateway": false
    }
  ]
}

For Bank Transfer, hold on to the bankCode field — you’ll need it in the next step.
For Mobile Money, hold on to the code field — this is what you pass as network when verifying.

Step 2 — Verify Account

Once you have the provider details, verify the recipient’s account name before submitting a payout.

POST /v1/transaction/verify-bank-account

Account lookup is currently supported for NGN and GHS only. Support for additional currencies will be available soon.

Request Body

Field	Type	Required for	Description
`currency`	string	Both	ISO 4217 currency code (e.g. `NGN`, `GHS`)
`iso2`	string	Mobile Money	ISO 3166-1 alpha-2 country code (e.g. `GH`)
`accountNumber`	string	Bank Transfer	The recipient’s bank account number
`bankCode`	string	Bank Transfer	The bank code from the providers list
`phoneNumber`	string	Mobile Money	The recipient’s phone number in international format (e.g. `233...`)
`network`	string	Mobile Money	The provider `code` returned from the providers endpoint

Examples

curl --request POST \
  --url https://dev.interface.monirates.com/v1/transaction/verify-bank-account \
  --header "Content-Type: application/json" \
  --header "x-api-key: <YOUR_API_KEY>" \
  --data '{
    "currency": "NGN",
    "accountNumber": "5010480782",
    "bankCode": "999240"
  }'

curl --request POST \
  --url https://dev.interface.monirates.com/v1/transaction/verify-bank-account \
  --header "Content-Type: application/json" \
  --header "x-api-key: <YOUR_API_KEY>" \
  --data '{
    "currency": "GHS",
    "phoneNumber": "233123456789",
    "network": "MTN",
    "iso2": "GH"
  }'

Responses

{
  "success": true,
  "message": "Account name resolved successfully!",
  "data": {
    "accountName": "MONIRATES LIMITED / JOHN DOE",
    "accountNumber": "5010480782"
  }
}

{
  "success": true,
  "message": "Account name resolved successfully!",
  "data": {
    "accountName": "Monirates Limited",
    "accountNumber": "233123456789"
  }
}

Sandbox Testing

NGN — Bank Transfer

On the development environment, you can test NGN lookup with ANY OF THE FOLLOWING accounts provided below:

Field	Value
`accountNumber`	`8028582375`, `5010480782`, `5010755577`
`bankCode`	`999240`

On production, any valid Nigerian bank account number and bank code will resolve correctly.

GHS — Mobile Money

For GHS, you can use a real phone number and network to test verification on both the development and production environments — no special sandbox credentials are required.

Exchange

Payment links

Wallet

Stable Wallet

Quick Reference

Lookup Banks / Providers

Overview

Step 1 — Fetch Providers

Path Parameter

Query Parameters

Examples

Responses

Step 2 — Verify Account

Request Body

Examples

Responses

Sandbox Testing

​Overview

​Step 1 — Fetch Providers

​Path Parameter

​Query Parameters

​Examples

​Responses

​Step 2 — Verify Account

​Request Body

​Examples

​Responses

​Sandbox Testing

Overview

Step 1 — Fetch Providers

Path Parameter

Query Parameters

Examples

Responses

Step 2 — Verify Account

Request Body

Examples

Responses

Sandbox Testing