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Overview

This endpoint returns a comprehensive list of supported Nigerian banks and their corresponding codes. Use this endpoint to obtain the correct bank codes needed for bank transfers and account number resolution.

Bank codes are required for:

  • Validating account numbers
  • Creating bank transfer beneficiaries
  • Initiating bank transfers

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Endpoint

GET /payment-methods/banks

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Response Format

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data
array

Array of bank objects containing:

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Example Request

curl -X GET "https://api.spendjuice.com/payment-methods/banks" \
-H "Authorization:  YOUR_API_KEY"

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Example Response

{
  "data": [
    {
      "code": "000014",
      "name": "ACCESS BANK"
    },
    {
      "code": "000023",
      "name": "PROVIDUS BANK"
    },
    {
      "code": "000013",
      "name": "ZENITH BANK"
    },
    {
      "code": "000017",
      "name": "GUARANTY TRUST BANK"
    }
  ]
}

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Error Handling

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Usage Tips

  1. Cache Results

    • Bank list changes infrequently
    • Cache results for up to 24 hours
    • Implement cache invalidation on errors

  2. Error Handling

    • Implement retry logic for failed requests
    • Maintain a fallback bank list if needed
    • Log any persistent errors

  3. Data Validation

    • Verify bank codes are 6 digits
    • Handle missing or null values
    • Validate against your supported banks list

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Best Practices

To ensure reliable bank transfers:

  • Always use current bank codes
  • Refresh cached bank lists daily
  • Validate codes before transactions
  • Handle bank name variations
  • Log any unrecognized bank codes

Never hardcode bank codes in your application. Always fetch them dynamically to ensure you’re using the most current codes.