CDQ Guards · Bank account data quality
Prevent failed payments before the first transaction with Bank Account Guard
Bank Account Guard validates, harmonizes, enriches and continuously monitors business-partner bank account data across onboarding and payment workflows — so bad data is stopped at the point of entry, not discovered at payment time.
Trusted by global enterprises
%20--%3e%3csvg%20version='1.1'%20id='Capa_1'%20xmlns='http://www.w3.org/2000/svg'%20xmlns:xlink='http://www.w3.org/1999/xlink'%20x='0px'%20y='0px'%20viewBox='0%200%202021%20628.6'%20style='enable-background:new%200%200%202021%20628.6;'%20xml:space='preserve'%3e%3cg%3e%3cpath%20d='M678.7,542.7c-15.1-0.4-28-12.8-28-28.1l0-501H485.7v552.3c0,27.1,21.9,49.2,48.8,49.2h288.6c27.1,0,48.8-22.1,48.8-49.2%20V13.6h-165l-0.2,501C706.8,529.9,693.9,542.3,678.7,542.7%20M1231.6,13.6H981.7c-29.6,0-53.7,24-53.7,53.9V615h165.3V112.8%20c0.1-15.4,12.6-27.6,27.9-27.6c15.4,0,27.8,11.9,28.2,27.1V615H1314V112.4c0.2-15.2,12.6-27.1,28-27.1c15.3,0,27.9,12.2,28,27.6%20V615h165.3V67.5c0-29.9-24.1-53.9-53.7-53.9L1231.6,13.6z%20M264.7,113.8c0.1-16.7-13.5-28.6-28-28.6h-28v304.2h28%20c14.6,0,28.1-11.6,28-28.2V113.8z%20M375.5,463.9H208.7V615h-165V13.6h332.9c29.8,0,53.1,24.2,53.1,54.2v341.9%20C429.6,439.7,405.5,463.9,375.5,463.9'/%3e%3cpath%20d='M1812.3,389.5V112.6c-0.4-15.3-12.7-27.1-28.1-27.1c-15.2,0-27.8,12.2-28,27.5v276.5L1812.3,389.5z%20M1812.3,615V464h-56.1%20v151h-165V67.5c0-29.9,24.1-53.9,53.7-53.9h278.7c29.6,0,53.7,24,53.7,53.9V615L1812.3,615z'/%3e%3c/g%3e%3c/svg%3e)
CDQ Guards
What Bank Account Guard does
Bank Account Guard manages bank account data as a continuously validated, globally harmonized asset — curating, validating, enriching and monitoring records across onboarding and payment workflows.
Bank Account Curation
Corrects format inconsistencies and standardizes IBANs and domestic account numbers, returning a cleaned, transaction-ready record. Available via API and as a Cloud App that shows input against curated output side by side.
IBAN & BIC validation against authoritative sources
Validates formats, IBANs and BICs against official reference data and the latest international banking rules, supporting SEPA and jurisdiction-specific local standards to cut rejected transactions and compliance risk.
Bank Data Lookup & Enrichment
Searches connected bank reference sources for bank master data, then enriches records with SWIFT/BIC and domestic codes, bank names and addresses, and derives missing details such as IBAN or domestic account number.
Bank Account Data Pool
Integrates open central-bank sources across many countries plus commercial reference data and VAT-payer bank account lists, giving each record a CDQ ID for search, quality measurement and change monitoring.
Continuous monitoring
Monitors bank account data against quality rules and watches bank master data for changes such as name or address updates, so errors surface proactively instead of at payment time.
Headless API integration
Exposes validation, conversion and harmonization through CDQ's headless API so checks run in real time during data entry directly inside your ERP, CRM and payment systems.
Why CDQ Bank Account Guard
Payment data changes without notice and differs across local formats and standards. Bank Account Guard treats it as a continuously validated asset instead of a late-stage check.
Prevention embedded in workflows
Conventional tools validate only at payment execution, so errors surface too late. Bank Account Guard embeds checks into onboarding and payment workflows to catch issues before the first transaction.
End-to-end lifecycle, one API-first platform
Instead of standalone tools limited to specific countries or formats, it unifies validation, conversion, harmonization and monitoring from onboarding to payment execution.
Continuous monitoring, not one-time checks
No more reactive, spreadsheet-driven reviews. Bank account data is treated as a continuously validated, harmonized asset with proactive monitoring and updates.
Broad coverage, authoritative sources
It draws on connected open central-bank sources, commercial reference data and VAT-payer lists for wide country and format coverage, harmonizing local formats to IBAN/BIC standards.
How Bank Account Guard works
From the moment bank details are captured to continuous monitoring afterwards, checks run inside your existing workflows.
Enter or capture bank account data
Bank details are entered at onboarding or updated in your ERP or CRM — international IBAN, national account identifier, bank identifiers and country.
At onboarding
Curate and validate
The service standardizes formats, corrects entry errors, and validates IBANs and BICs against authoritative reference sources and current banking rules.
Real time
Enrich and derive
Missing elements are filled in — BIC, country codes, bank name, bank address and identifiers — and details like IBAN or domestic account number are derived from the available data.
Return transaction-ready data
Curated, harmonized results are returned for immediate use, embedded directly into your onboarding and payment processes.
Monitor continuously
Bank account and bank master data are monitored against quality rules and reference sources, so changes and errors are surfaced proactively.
Ongoing
Frequently asked questions
What master-data, procurement, finance and compliance teams ask before adopting Bank Account Guard.
What is Bank Account Guard?
It is CDQ's payment-data-quality and compliance service. It validates, harmonizes, enriches and continuously monitors business-partner bank account data across onboarding and payment workflows — correcting entry errors, standardizing formats, filling in missing elements like BIC or country codes, and validating IBANs and BICs against authoritative reference sources.
Who is it for?
Master-data managers, procurement and buying teams, finance and accounts payable/receivable, and risk and compliance leads at large multinationals. It helps you keep payment data accurate, speed supplier onboarding, minimize payment rejections, and stay audit-ready with traceable, verified accounts.
How does it integrate with SAP and other systems?
Bank Account Guard is delivered through CDQ's headless API, so validation, conversion and harmonization run in real time during data entry and updates inside your existing ERP (e.g. SAP MDG), CRM, procurement and payment systems. Bank account logic stays centralized rather than scattered across tools.
How does CDQ handle data security and control?
Like every CDQ service, it runs on a secure, customer-specific Data Mirror and monitors your data against trusted external sources. Insights are proposed, never enforced — you keep full control of every change, and each update is traceable to its source and time. With your consent, anonymized improvements can be shared across the CDQ network.
How do we get started?
Book a demo with a CDQ expert. Bring a sample of your own supplier or customer bank records and we will show you curation, validation and enrichment live, then scope how to embed the checks into your onboarding and payment workflows.
Book a demo
See Bank Account Guard on your payment data
Bring a few of your own supplier or customer bank records and we will show you, live, how curation, validation and enrichment work. Talk with a CDQ expert about embedding checks into your onboarding and payment workflows.
Book your CDQ demo
Pick a 30-minute slot — see Bank Account Guard working on your own data.