Virtual Bank Accounts

Wallet must exist

You must have a wallet in the currency you want to create a Virtual Bank Account for. Pass a valid wallet_id in your request.

Customer is always required

You must provide a customer_id for all currencies. The customer must belong to your business and must have verification_status of VERIFIED before you can create a Virtual Bank Account. For NGN, both type=individual (verified through KYC) and type=business (verified through the KYB flow) are accepted. For GBP, USD, and EUR, only type=individual is supported.

No duplicate accounts

You cannot create a second Virtual Bank Account for the same customer and wallet combination. If one already exists, the request will be rejected.

Customer country and identity document must match

The customer's country must match the country on the identity document submitted for KYC.

Accepted identity documents

Only a Driver's License, Passport, or Resident Permit is accepted for individual customers. Business customers identify via registration_number + incorporation_country and supply a Certificate of Incorporation (or equivalent formation document) through the KYB document collection. ID cards (National Identity Cards) are not accepted. No other document types are supported.

Document quality

All uploaded documents must be clear, legible, and authentic. Blurry, cropped, obscured, or otherwise unclear images will not be reviewed and will be rejected. Fraudulent or falsified documents will not be tolerated — repeated attempts to submit false or invalid documents will result in the customer being permanently blacklisted from the platform. There are no exceptions or compromises.

Customer is required

You must provide a customer_id. The customer must be verified and belong to your business.

Immediate activation

NGN Virtual Bank Accounts are typically activated immediately and the response will return with a SUCCESSFUL status along with the account details.

Customer is required

You must provide a customer_id. The customer must be verified and of type individual.

Customer information must be complete

The following fields must be present on the customer's profile and KYC data before creating a GBP Virtual Bank Account:

• First Name
• Last Name
• Email
• Country
• ID Type
• ID Number
• Date of Birth
• ID Expiry Date
• Zip Code
• City
• Street

If any of these are missing, the request will fail and the response will tell you which fields are missing.

Name format

The customer's first name and last name must contain only letters, hyphens, periods, apostrophes, and spaces. Names with numbers or special characters will be rejected.

Street address format

The customer's street address must contain only alphanumeric characters and the following: - / # ( ) ' , .

ID must not be expiring soon

The customer's identity document must have an expiry date at least one month from today.

Valid postal code

The customer's zip code must be a valid postal code for their country.

Customer is required

You must provide a customer_id. The customer must be verified and of type individual.

Customer information must be complete

The following fields must be present on the customer's profile and KYC data before creating an EUR Virtual Bank Account:

• First Name
• Last Name
• Email
• Country
• ID Type
• ID Number
• Date of Birth
• ID Expiry Date
• Zip Code
• City
• Street

If any of these are missing, the request will fail and the response will tell you which fields are missing.

Name format

The customer's first name and last name must contain only letters, hyphens, periods, apostrophes, and spaces. Names with numbers or special characters will be rejected.

Street address format

The customer's street address must contain only alphanumeric characters and the following: - / # ( ) ' , .

ID must not be expiring soon

The customer's identity document must have an expiry date at least one month from today.

Valid postal code

The customer's zip code must be a valid postal code for their country.

Customer is required

You must provide a customer_id. The customer must be verified and of type individual.

Identity document must be uploaded

The customer must have an identity document file uploaded before you can create a USD Virtual Bank Account.

Driver's License, Passport, or Resident Permit only

All individual customers must have a Driver's License, Passport, or Resident Permit as their identity document. ID cards (National Identity Cards) are not accepted. No other document types are accepted. All document images must be clear and legible — unclear images will be rejected. Repeated submission of fraudulent or invalid documents will result in the customer being permanently blacklisted.

Customer information must be complete

USD Virtual Bank Accounts require the most customer information. The following fields must all be present:

• First Name
• Last Name
• Email
• Phone
• Country
• ID Type
• ID Number
• TIN (Tax Identification Number)
• Date of Birth
• ID Expiry Date
• Street
• City
• State
• Zip Code

If any of these are missing, the request will fail and the response will tell you which fields are missing.

TIN label lookup

The tin field is required for USD customers, but the actual identification type varies by country (e.g. SSN for US individuals, BVN for Nigerian individuals). See Understanding identification types for the full workflow, or call the Get identification type endpoint to look up the correct label before creating or updating the customer.

ID must not be expiring soon

The customer's identity document must have an expiry date at least one month from today.

Valid postal code

The customer's zip code must be a valid postal code for their country.