---
title: "Create user settings"
method: POST
path: "/v1/user_settings"
tags: ["User settings"]
---

# Create user settings

`POST /v1/user_settings`

Creates the settings record for the authenticated user (notification toggles
and low-balance alert currency). This is a **per-user** resource and is not
company-scoped.

## Parameters

- `#/paths/~1v1~1users/get/parameters/0` — unresolved $ref

## Request body

- object
  - `approved_transaction_notify` boolean
  - `declined_transaction_notify` boolean
  - `banking_transaction_notify` boolean
  - `pending_transaction_notify` boolean
  - `low_balance_notify` boolean
  - `low_balance_threshold_currency` string

## Response `201`

The created user settings.

- UserSetting — Per-user notification preferences and low-balance alert threshold. The raw `low_balance_threshold_cents` column is not serialized; the amount is exposed via the computed `low_balance_threshold_amount` instead.
  - `id` string, uuid, required
  - `user_id` string, required
  - `approved_transaction_notify` boolean
  - `declined_transaction_notify` boolean
  - `banking_transaction_notify` boolean
  - `pending_transaction_notify` boolean
  - `low_balance_notify` boolean
  - `low_balance_threshold_amount` integer — Low-balance alert threshold as a whole-currency amount (computed from cents).
  - `low_balance_threshold_currency` string
  - `created_at` string, date-time
  - `updated_at` string, date-time

## Other responses

- `401` — Unauthorized

---

[API](https://skmtc.dev/cardda/apis/banking-api.md) · [All operations](https://skmtc.dev/cardda/apis/banking-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/cardda/banking-api/revisions/ff1aeb3fda8b/schema)