A direct enquiry at the corresponding bank, allowing us to understand the strength of the applicants banking account and cash flow based on set amounts (usually double the amount the application is made for i.e. 50,000 credit would justify 100,000 bank code. This way you know you are safe. Standard Bank Code (24 hour bank code) Normal Bank code takes up to 24 hours to return and includes: Date account opened, Bank code descriptions, Bank Code for set amount Full and Genera Bank Code Bank code that includes: Date account opened, Bank code descriptions, Bank Code for set amount, Information relating to RD/bounced Cheques, Insolvency info, Bankruptcy info Urgent Bank Code A standard bank code with same day delivery if called for before 14h30 pm 0r next morning delivery thereafter.