Beneficiary Account Validation (BAV) API: FAQ

Reference:

Beneficiary Account Validation API - details

Beneficiary Validation - API Reference

Q:

What could be the cause of the invalid_request result for the following request?

GET /payment-creditors/v4/prevalidations/prevalidations/{id}

MessageID:
6e72a130-***-8465399a2706
HTTPSTATUS:
201
TIMESTAMP:
2025-11-26T09:41:03.163973034Z

URL/endpoint
https://open.nordea.com/payment-creditors/v4/prevalidations

Message content:

<AccountInfo>
  <docnumber>18***21</docnumber>
  <sapCreditorNumber>00***49</sapCreditorNumber>
  <nameAccountHolder>K***D</nameAccountHolder>
  <vatIdNumber>GB7***31</vatIdNumber>
  <accountNumber>GB34***68</accountNumber>
  <bankRegNumber>3***8</bankRegNumber>
  <bic>LOYDGB21066</bic>
  <sapSerialNumber>0000</sapSerialNumber>
</AccountInfo>

A:

The BIC's 8th character ('1') indicates it is not connected to SWIFT, preventing direct message exchange and beneficiary account validation.