# Look up financial institutions

`GET /institutions`

API version: `v2026.10.00`. Send `X-Moov-Version: v2026.10.00` to get the behavior described here.

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Search for financial institutions by name or routing number.

This endpoint returns metadata about each matched institution, including basic identifying details (such as name, routing number, and address) and information about which payment services they support (e.g., ACH, RTP, and Wire).

This can be used to validate a financial institution before initiating payment activity, or to check which payment rails are available for a given routing number.

To access this endpoint using an [access token](https://docs.moov.io/api/authentication/access-tokens/)
you'll need to specify the `/institutions.read` scope.

## Parameters

| Name | In | Type | Required | Description |
| --- | --- | --- | --- | --- |
| `X-Moov-Version` | header | string |  | Set this header to v2026.10.00 to use the API described in this specification. When omitted, the server defaults to v2024.01.00, the earliest supported version, which may not match the behavior documented here. An unrecognized well-formed version uses the latest supported version that is not newer than the requested version, when one exists. For example, `v2026.08.00` uses `v2026.07.00`. A malformed value, such as `2022`, returns a `404` response. Values: `v2026.10.00`. |
| `name` | query | string |  | Name of the financial institution. Either `name` or `routingNumber` is required. |
| `routingNumber` | query | string |  | Routing number for a financial institution. Either `routingNumber` or `name` is required. |
| `limit` | query | integer |  | Maximum results returned by a search. |

## Response 200

The request completed successfully.

| Field | Type | Required | Description |
| --- | --- | --- | --- |
| `ach` | array of object, nullable | Yes |  |
| `ach[].name` | string | Yes | Name of the financial institution. |
| `ach[].routingNumber` | string | Yes |  |
| `ach[].address` | object |  |  |
| `ach[].contact` | object |  |  |
| `rtp` | array of object, nullable | Yes |  |
| `rtp[].name` | string | Yes | Name of the financial institution. |
| `rtp[].routingNumber` | string | Yes |  |
| `rtp[].services` | object | Yes |  |
| `wire` | array of object, nullable | Yes |  |
| `wire[].name` | string | Yes | Name of the financial institution. |
| `wire[].routingNumber` | string | Yes |  |
| `wire[].address` | object |  |  |
| `wire[].services` | object | Yes |  |
| `fednow` | array of object, nullable | Yes |  |
| `fednow[].name` | string | Yes | Name of the financial institution. |
| `fednow[].routingNumber` | string | Yes |  |
| `fednow[].services` | object | Yes |  |

## Errors

| Status | Meaning |
| --- | --- |
| 401 | The request contained missing or expired authentication. |
| 403 | The user is not authorized to make the request. |
| 404 | The requested resource was not found. |
| 429 | Request was refused due to rate limiting. |
| 500 | The request failed due to an unexpected error. |
| 504 | The request failed because a downstream service failed to respond. |

## Examples

### cURL

```bash
curl -X GET "https://api.moov.io/institutions" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.10.00"
```

### Typescript (SDK)

```typescript
import { Moov } from "@moovio/sdk";

const moov = new Moov({
  security: {
    username: "",
    password: "",
  },
});

async function run() {
  const result = await moov.institutions.searchInstitutions({});

  console.log(result);
}

run();
```

Full reference with SDK examples in every language: https://docs.moov.io/api/v2026.10.00/enrichment/institutions/get/