---
title: "Create Card Account"
method: POST
path: "/card-accounts"
tags: ["Card Accounts"]
---

# Create Card Account

`POST /card-accounts`

Creates a new card account for the specified organization.

## Request body

- object
  - `organizationId` string, uuid, required — The unique identifier of the organization.
  - `name` string, required — The name of the card account.
  - `currency` string, nullable — The currency code (e.g., EUR, USD).

## Response `201`

Card account created successfully

- object
  - `id` string, uuid, required — The id of the card account.
  - `organizationId` string, uuid, required — The id of the organization this card account belongs to.
  - `name` string, required — The name of the card account.
  - `purpose` string, nullable — Optionally, a description of the purpose of the card account.
  - `status` 'ACTIVE' | 'PENDING' | 'DEACTIVATED' | 'CANCELLED', required — The status of the card account.
  - `currency` string, required — The currency of the card account.
  - `bankAccountInformation` object[] — The Pliant-internal bank account information of the card account. This is the bank account where the balance of the card account is kept. This bank account is also used for adding top-up payments to the card account, if it is a prefund or hybrid card account. One card account can have multiple bank accounts. Non-active organizations might not have bank account information. The bank account is Pliant-internal, for the external bank account information see the [separate endpoint](/reference/get-organizations-external-bank-accounts).
    - `transferType` string — Flag that indicates which payment rail the processing account is configured for. - `SWIFT` - transfers routed through the SWIFT network. - `LOCAL` - domestic rails such as UK's Faster Payments. Depending on this flag, other fields are set or not, e.g. `bic` and `iban` for `SWIFT`, `sortCode` and `accountNumber` for `LOCAL` in case of UK Faster Payments. The field might be `null` or empty, in which case `SWIFT` should be assumed.
    - `beneficiary` string — The beneficiary of the bank account. This is the name of the account holder.
    - `bankName` string — The name of the bank of the bank account.
    - `bic` string — The BIC of the bank account. This is the bank identifier code. For backward compatibility reasons this field is never `null`, but depending on `transferType` it can be empty. In future iterations it will become optional.
    - `iban` string — The IBAN of the bank account. This is the international bank account number. For backward compatibility reasons this field is never `null`, but depending on `transferType` it can be empty. In future iterations it will become optional.
    - `sortCode` string — Bank identifier that accompanies the beneficiary account. Only set for certain `transferType` values, e.g. UK Faster Payments.
    - `accountNumber` string — Account identifier for the beneficiary account. Only set for certain `transferType` values, e.g. UK Faster Payments.
  - `defaultAccount` boolean, required — Indicates whether this is the default card account. There is always one active default card account.
  - `accountType` 'CREDIT' | 'PREFUNDED', required — The account type of the card account.
  - `creditLimit` object, nullable — The credit limit of the card account. The credit limit is the maximum amount of money that can be spent with all cards of this card account. It is always less or equal to the overall credit limit of the organization. Meaning all card accounts share the same organization credit limit. This organization credit limit can be distributed among the card accounts. Only relevant for `CREDIT`-based card accounts.
    - `value` number
    - `currency` string
  - `availableLimit` object, nullable — The remaining available credit limit of the card account. The available credit limit is the maximum amount of money that can be spent with all cards of this card account. For `PREFUNDED` card accounts, the available credit limit is the remaining balance of the card account.
    - `value` number
    - `currency` string
  - `balance` object, nullable — The remaining balance of the card account.
    - `value` number
    - `currency` string
  - `paymentFrequency` 'DAILY' | 'WEEKLY' | 'BI_WEEKLY' | 'MONTHLY' | 'PREFUNDED', required — The payment frequency of the card account. This is the frequency with which the card account is settled for this organization. Only relevant for `CREDIT`-based card accounts.
  - `paymentDefermentInDays` integer, required — The payment deferment in days of the card account. Only relevant for `CREDIT`-based card accounts.
  - `activatedAt` string, date-time, nullable — The date and time when the card account was activated.
  - `createdAt` string, date-time, required — The date and time when the card account was created.
  - `benefitCardAccount` boolean — Set to true for the card account that is dedicated to funding benefit cards.

## Other responses

- `400` — unresolved $ref
- `401` — unresolved $ref
- `403` — unresolved $ref
- `409` — Conflict. The request could not be completed due to a conflict with the current state of the resource. You may retry the call.
- `429` — unresolved $ref
- `500` — unresolved $ref

---

[API](https://skmtc.dev/getpliant/apis/pliant-customer-api.md) · [All operations](https://skmtc.dev/getpliant/apis/pliant-customer-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/getpliant/pliant-customer-api/revisions/f3f589cfa718/schema)