# BMO Account Validation API

**Canonical:** https://apis.io/apis/bmo/bmo-account-validation-api/  
**Provider:** BMO — https://apis.io/providers/bmo/  
**Base URL:** https://sandbox-open-api.bmo.com/open-banking/commercial-sb  
**Documentation:** https://www21.bmo.com/uiv2/openapi/dev-portal/dev-portal/#/documentation/account-validation

BMO Account Validation API is one of 11 APIs that [BMO](https://apis.io/providers/bmo/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Account Validation, Fraud, and United States. The published artifact set on APIs.io includes an OpenAPI specification and API documentation.

Verifies U.S. account ownership and returns a risk-level score before a transfer is set up, checking submitted owner details against Early Warning Services' national transaction and identity database. OAuth 2.0 plus client API key, with encrypted payload fields.

## Machine-readable artifacts (4)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/bmo/refs/heads/main/openapi/bmo-account-validation-openapi.json
- **Documentation** — https://www21.bmo.com/uiv2/openapi/dev-portal/dev-portal/#/documentation/account-validation
- **DeveloperPortal** — https://developer.bmo.com/api/commercial/
- **APIsJSON** — https://raw.githubusercontent.com/api-evangelist/bmo/refs/heads/main/apis.yml

## Other BMO APIs (10)

- [BMO Account Information API](https://apis.io/apis/bmo/bmo-account-information-api/)
- [BMO ACH Payments API](https://apis.io/apis/bmo/bmo-ach-payments-api/)
- [BMO Wire Payments (U.S.) API](https://apis.io/apis/bmo/bmo-wire-payments-us-api/)
- [BMO Wire Payments (Canada) API](https://apis.io/apis/bmo/bmo-wire-payments-ca-api/)
- [BMO EFT Payments API](https://apis.io/apis/bmo/bmo-eft-payments-api/)
- [BMO Instant Payments (Interac) API](https://apis.io/apis/bmo/bmo-interac-instant-payments-api/)
- [BMO Image Retrieval API](https://apis.io/apis/bmo/bmo-image-retrieval-api/)
- [BMO Authorize & Token API](https://apis.io/apis/bmo/bmo-authorize-token-api/)
- [BMO Client Data Encryption Key API](https://apis.io/apis/bmo/bmo-client-data-encryption-key-api/)
- [BMO Push Notification API](https://apis.io/apis/bmo/bmo-push-notification-api/)

## Tags

Account Validation, Fraud, United States

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/bmo/bmo-account-validation-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/bmo/.