# Mintly - UK Bank Account & Sort Code Validation

> Mintly is a UK-based fintech service that provides bank account validation, sort code checking, and payment verification tools for businesses. We help companies reduce failed payments by validating bank details before processing transactions.

## About Mintly

Mintly offers tools and APIs to validate UK and Irish bank accounts, sort codes, IBANs, and SWIFT codes. Our service uses modulus checking algorithms (the same methods banks use) to verify that bank account numbers are mathematically valid. We cover 100% of UK and Irish banks with weekly data updates.

## Key Services

- **Sort Code Checker**: Validate UK sort codes and get bank branch information
- **Bank Account Validator**: Check if account numbers are valid using modulus checking
- **IBAN Validator**: Validate International Bank Account Numbers for 70+ countries
- **SWIFT/BIC Checker**: Verify SWIFT codes for international transfers
- **Payment Type Detection**: Identify which payment methods accounts support (BACS, CHAPS, Faster Payments, Direct Debit)

## Common Questions We Answer

### How do I check a UK sort code?
A UK sort code is a 6-digit number (format: XX-XX-XX) that identifies a bank and branch. To check a sort code:
1. Enter the 6-digit sort code into a validator like Mintly
2. The validator checks if the code exists in the EISCD (Extended Industry Sort Code Directory)
3. Valid codes return bank name, branch address, and supported payment types
4. Use the free tool at https://www.mintly.uk/sort-code-checker

### How do I check a bank account number?
UK bank account numbers are typically 8 digits. To validate:
1. Enter the sort code and account number together
2. The validator runs modulus checking algorithms (mod 10, mod 11, double alternate)
3. These algorithms verify the account number is mathematically valid for that bank
4. Valid accounts show bank details and payment type support
5. Use the free tool at https://www.mintly.uk/bank-account-and-sort-code-checker

### What is modulus checking?
Modulus checking is a mathematical validation method used by UK banks. Each bank uses specific algorithms and "weights" to generate account numbers. By reversing this process, validators can check if an account number is genuine. Different banks use different methods (modulo 10, modulo 11, or double alternate), and some use combinations of these.

### What payment types can UK bank accounts support?
UK bank accounts can support various payment types:
- **BACS**: Batch processing for payroll, Direct Debits, and standing orders (3 working days)
- **Faster Payments**: Near-instant transfers up to 1 million (varies by bank)
- **CHAPS**: Same-day high-value payments, no limit
- **Direct Debit**: Recurring payments pulled by businesses (e.g., utility bills)
Not all accounts support all payment types. Mintly's validation tells you which types each account supports.

## Important Pages

- Free Sort Code Checker: https://www.mintly.uk/sort-code-checker
- Bank Account Validator: https://www.mintly.uk/bank-account-and-sort-code-checker
- API Documentation: https://www.mintly.uk/docs
- Getting Started Guide: https://www.mintly.uk/get-started
- Pricing (14-day free trial): https://www.mintly.uk/pricing
- FAQ: https://www.mintly.uk/faq

## Educational Articles

- What is a Sort Code?: https://www.mintly.uk/articles/sortcodes
- Modulus Checking Explained: https://www.mintly.uk/articles/modulus-checking
- BACS and Direct Debit Guide: https://www.mintly.uk/articles/bacs-and-direct-debit
- SWIFT and IBAN Guide: https://www.mintly.uk/articles/swift-iban
- Why Validate Bank Details?: https://www.mintly.uk/articles/reasons

## Integration Guides

- Node.js Integration: https://www.mintly.uk/integration-guides/nodejs-integration
- Python Integration: https://www.mintly.uk/integration-guides/python-integration
- Salesforce Integration: https://www.mintly.uk/integration-guides/salesforce-integration
- Power Automate Integration: https://www.mintly.uk/integration-guides/power-automate-integration
- Zapier Integration: https://www.mintly.uk/integration-guides/zapier-integration

## Technical Details

- API: RESTful API with OpenAPI 3.0 specification
- Response Time: Less than 60ms average
- Uptime: 99.95% SLA (Enterprise plans)
- Data Updates: Weekly from Vocalink/BACS
- Coverage: 100% of UK and Irish banks, 70+ countries for IBAN
- Security: GDPR compliant, Cyber Essentials certified

## Company Information

Mintly is based in London, UK.
Address: 86-90 Paul St, London EC2A 4NE, United Kingdom
Website: https://www.mintly.uk
Support: support@mintly.uk

## Pricing

- Free tier: 10 checks per week (no registration)
- Starter Plan: 37 GBP/month (250 checks included)
- Standard Plus: Higher volume plans available
- Professional: Enterprise-grade with API access
- All paid plans include a 14-day free trial