Before you start

Please download the suggested API integration process flow document and use it as a reference when developing.
Kindly adhere to the Netcash brand guidelines when developing.

Programmers Guide

Refer to our Programmers guide for more detail on how to apply the required methodology in this document.
Ensure that the settings for developers are adhered to before you proceed with your implementation.

Web Service Methods

The list of Netcash web service methods can be found here.

Quick Start Guides

Quick Start Guides will help you understand this service and get you started.


Bank Account Validation is a web service that uses an algorithm to validate the bank account number, branch code, and account type combination. Any software that allows for the capture of bank account details this web service as it ensures valid data is sent to Netcash will enhance the success of transactions processed. This service does not verify that the account is active or belongs to the individual or company (Bank Account Verification).

We recommend that Universal Branch Codes are used for the validation to be optimized.

CDV validation is performed using a combination of the bank account number, account type, and branch code.
It is an algorithm supplied to Netcash -and continuously updated by the banking system.
This does not guarantee the validity or existence of the account number at any bank or branch, the account holder -or
if the account is active.

We suggest that you first validate -and then verify the account holder’s details to ensure accuracy.

Technical Information

NIWS_Validation is an online, synchronous web service that allows an external system to request validation and receive an immediate response.

NB! This service permits a single request per web service call. For bulk file requests click here

From your application call:

Service keyAccount Service Key
Web service
Service keyAccount Service Key

Participating Banks and Universal Branch Codes

Most banks make use of Universal Branch Codes (UBC) also known as Central Branch Codes (CBC)

It is always advisable to use the UBC when storing data unless a bank does not offer UBC


Bank Name Central Branch Code (CBC)
Absa Bank 632005
Capitec Bank 470010
First National Bank (South Africa) 250655
Investec Bank 580105
Nedbank (South Africa) 198765
Nedbank Corporate Saver Account 720026
Postbank 460005
Standard Bank (South Africa) 051001
African Bank 430000
Albaraka Bank 800000
Bank of Namibia 980172
Bidvest Bank 462005
Central Bank of Lesotho 586611
Citi Bank 350005
Discovery Bank 679000
Finbond Mutual Bank 589000
First National Bank Lesotho 280061
First National Bank Namibia 282672
First National Bank Swaziland 287364
Grinrod Bank 584000
HSBC Bank 587000
JP Morgan Chase Bank 432000
Meeg Bank 470010
Merchantile Bank 450105
MTN Banking 490991
Standard Bank Namibia 087373
State Bank of India 801000
Ubank 431010
Unibank 790005
VBS Mutual Bank 588000
Olympus Mobile Bank 585001
Tyme Bank 678910

Recommended User Experience

  1. Call the web service with method GetBankListWithDefaultBranchCode
  2. Manually create a table in the application database with the bank branches and codes as indicated above.

The suggested method is to create a user experience whereby the user will

  • Select a bank in a  “Drop down” menu and prefill branch code text box and
  • Manually enter a branch code that is not a CBC.
  • If the bank required is not in the dropdown – user to select “other bank” and type the six (6) digit numeric branch code in the text box. Left-pad the input with “0” where data entered is less than 6 chars.
  • Netcash will offer all blue and bold items above as “dropdown list” in our systems.
  • For all black items above default account type in the database to 1 (cheque/current) except
    • for Nedbank
      • If a Nedbank account number starts with ‘2’ make type 2 (savings) else
      • If Nedbank account number starts with ‘1’ leave type 1 and
      • If a Nedbank account number starts with ‘9’/or is a Corporate Saver Account; make the account type 2 (savings) and only use branch code 720026.
    • for Postbank / Capitec / TymeBank

      • Always use account type “2” (savings) for all Postbank, Capitec and TymeBank transactions

All non-listed (above) banks – user to select the actual account type (1 = Current/Cheque, 2 = Savings)

NIWS_Validation is an online, synchronous web service that allows an external system to request validation and receive an immediate response. This service permits only a single request per web service call.

The Service

Object Name Description
method GetBankListWithDefaultBranchCode


  • ServiceKey (Netcash account service key). Call the service to receive the list of all banks with their default branch code (XML file). Save the data to system as stated above.
method ValidateBankAccount


  • ServiceKey (Netcash Account Service Key)
  • AccountNumber
  • BranchCode
  • AccountType


Validating Bank Account Information

public ValidateBankAccount(string ServiceKey, string AccountNumber,
                           string BranchCode, string AccountType) {
  // initialise client
  NIWS_Validation.NIWS_ValidationClient client =
      new NIWS_Validation.NIWS_ValidationClient();
  // call the ValidateBankAccount method equal to a string variable
  string Request = client.ValidateBankAccount(ServiceKey, AccountNumber,
                                              BranchCode, AccountType);
  // close client after response is received
  // convert response received for request
  int response = Convert.ToInt32(Request);
  // if 0 save to system or do something else
  switch (response) {
    case 0:  // do something
    case 1:  // do something
    case 2:  // do something
    case 3:  // do something
    case 4:  // do something
    case 100:  // do something
      Web service error contact support ";

Getting Bank with Branch Code

private void GetBankListWithDefaultBranchCode(string ServiceKey)

  // initialise client

  NIWS_Validation.NIWS_ValidationClient client =
      new NIWS_Validation.NIWS_ValidationClient();

  // call the GetBankListWithDefaultBranchCode method equal to a string variable

  string BankListResult = client.GetBankListWithDefaultBranchCode(ServiceKey);

  // do something with xml file

  // for example

  File.WriteAllText("BankList.xml", BankListResult);

  XmlDocument XmlDoc = new XmlDocument();


  XmlElement XmlEl = XmlDoc.DocumentElement;

  XmlNodeList XmlNode = XmlEl.SelectNodes("/BankListResponse/BankList/Bank");

  foreach (XmlNode node in XmlNode)

    // loop through file


You will receive the following numeric code which you need to replace with the description in your application.

Numeric Response Description
0 Bank account details valid
1 Invalid branch code
2 Account number failed check digit validation
3 Invalid account type
4 Input data incorrect
100 Authentication failed
200 Web service error contact

Netcash brand guidelines

Please refer to the Netcash brand guidelines here when using any logos, images, icons, labels, descriptions, and references to Netcash in your software.


See Testing section for more details. If you require any integration assistance contact our technical support team

Netcash may provide example/sample/demo ‘code snippets’ and/or external links in this Technical Document. Such are for guidance purposes only and may not function on every developer’s system/s. Netcash disclaims any and all liability for the usage of guidance resources provided -and you as the Developer; must accept full responsibility for the usage of such. While every possible effort has been taken to ensure compatibility across multiple system configurations, the contents of this document cannot be guaranteed to work on all systems, with all operating systems -and/or with all system configuration/s.