Bank Validation is the process of verifying that a UK bank account number and sort code combination is structurally valid and suitable for UK payment schemes.

Fetchify's Bank Validation checks that the sort code exists, is routable, and is correctly paired with the account number format — before any payment is attempted. This helps businesses reduce failed Direct Debits, avoid unnecessary bank charges, and catch onboarding errors early, improving both payment success rates and customer experience without storing or handling sensitive payment data unnecessarily.