bank_ownership_certificate

Bank account ownership certificate

Account holder, tax ID and IBAN, validated.

Category: Payments and finance
Country: International
Extracted fields: 5 fields
Cost: 1 credit

bank_ownership_certificatespecimen

Holder name
Holder ID number
IBAN
Bank
Issue date

For direct debits, supplier payments or employee onboarding. Constaia validates the IBAN and tax ID and checks the holder is who you expect.

What it checks

IBAN. ISO 13616 check digits and length per country.
NIF/NIE check letter. The check character is recomputed (mod 23).
Holder. Name, number or date of birth match what you expect.
Recency. Issued less than N days ago.

Extracted fields

Holder nameholder_name
Holder ID numberholder_id
IBANiban
Bankbank
Issue dateissue_date

Where it is used

Sample request

curl https://api.constaia.com/v1/analyze \
  -H "Authorization: Bearer $CONSTAIA_API_KEY" \
  -F "file=@document.pdf" \
  -F 'options={
    "expect": "bank_ownership_certificate",
    "checks": {
      "max_age_days": 90,
      "holder": {
        "document_number": "12345678Z"
      }
    },
    "storage": "none"
  }'

Sample response

Fictitious data. Shortened response.

200 OK · application/json

{
  "id": "an_01J9Z3K8QW4T6Y2B7N5M1R0PXC",
  "object": "analysis",
  "status": "completed",
  "livemode": false,
  "document": {
    "type": "bank_ownership_certificate",
    "label": "Bank account ownership certificate",
    "confidence": 0.97
  },
  "verdict": {
    "expected": [
      "bank_ownership_certificate"
    ],
    "match": true,
    "status": "valid",
    "reasons": [
      {
        "code": "type_match",
        "severity": "info",
        "message": "The document is: Bank account ownership certificate."
      }
    ]
  },
  "fields": {
    "holder_name": {
      "value": "MARÍA GARCÍA LÓPEZ",
      "confidence": 0.99,
      "validated": true
    },
    "holder_id": {
      "value": "12345678Z",
      "confidence": 0.98,
      "validated": null
    },
    "iban": {
      "value": "ES9121000418450200051332",
      "confidence": 0.97,
      "validated": null
    },
    "bank": {
      "value": "Banco Ejemplo",
      "confidence": 0.96,
      "validated": null
    },
    "issue_date": {
      "value": "2026-09-02",
      "confidence": 0.99,
      "validated": null
    }
  },
  "checks": [
    {
      "code": "iban_check_digits",
      "passed": true,
      "message": "The IBAN check digits are correct."
    },
    {
      "code": "nif_check_digit",
      "passed": true,
      "message": "The NIF check letter is correct."
    }
  ],
  "warnings": [],
  "storage": {
    "mode": "none",
    "file_deleted_at": "2026-09-29T10:00:02Z",
    "expires_at": null
  },
  "usage": {
    "credits": 1,
    "pages": 1
  }
}

FAQ

Does Constaia prove the document is authentic?

No. It checks the type, data consistency and your rules, and flags signals such as a possible edit or a screen photo. That does not prove authenticity.

Is a copy of the document kept?

No, unless you ask for it. With storage "none" (the default) the file is deleted when the analysis ends.

And for the record…

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