---
title: "Update an external account"
method: PATCH
path: "/v1/external-bank-accounts/{id}"
tags: ["External Bank Accounts"]
---

# Update an external account

`PATCH /v1/external-bank-accounts/{id}`

## Path parameters

- `id` string, required

## Headers

- `X-API-Key` string

## Request body

- UpdateExternalBankAccountDto
  - `beneficiaryType` 'INDIVIDUAL' | 'BUSINESS' — Beneficiary type
  - `beneficiaryName` string — Beneficiary full name
  - `beneficiaryAddress` AddressDto
    - `addressLine1` string, required — Address line 1
    - `addressLine2` string — Address line 2 (apartment, suite, etc.)
    - `city` string, required — City
    - `state` string — State / Province
    - `postalCode` string, required — Postal code / ZIP code. May be empty for countries without a postal-code system, including the United Arab Emirates.
    - `country` string, required — Country code (ISO 3166-2)
    - `transliterated` TransliteratedAddressDto
      - `addressLine1` string — Transliterated address line 1 (Latin characters)
      - `addressLine2` string — Transliterated address line 2 (Latin characters)
      - `city` string — Transliterated city (Latin characters)
      - `state` string — Transliterated state/province (Latin characters)
  - `beneficiaryPhone` string — Beneficiary phone number
  - `beneficiaryDateOfBirth` string, date — Account holder's date of birth
  - `bankName` string — Bank name
  - `bankAddress` BankAddressDto
    - `addressLine1` string — Address line 1 (optional for bank addresses)
    - `addressLine2` string — Address line 2 (apartment, suite, etc.)
    - `city` string — City
    - `state` string — State / Province
    - `postalCode` string — Postal code / ZIP code (optional for bank addresses)
    - `country` string — Country code (ISO 3166-2)
  - `paymentRails` string[] — Adds compatible payment rails to this account. Send the full resulting list (existing rails plus any to add). Existing rails cannot be removed. Rails must be compatible with each other and with the account's stored bank details (e.g. add RTP to a US ACH/WIRE account; do not mix SEPA with a US routing-number account).
  - `currencyCodes` string[] — Currency codes supported by this account. Only updatable for accounts with Hong Kong (CHATS) or SWIFT payment rails.
  - `bankAccountType` 'checking' | 'savings' — Bank account type (checking or savings)
  - `metadata` AccountMetadataDto
    - `nickname` string — Account nickname
    - `purpose` string — Account purpose
    - `tags` string[] — Account tags

## Response `200`

External account updated successfully

- ExternalAccountResponseDto
  - `id` string, required — Account ID
  - `customerId` string, required — Customer ID
  - `counterpartyId` string, nullable — Counterparty ID when this is a third-party recipient account
  - `type` 'EXTERNAL_BANK' | 'EXTERNAL_PROXY', required — Account type
  - `status` 'IN_REVIEW' | 'ACTIVE' | 'CLOSED', required — Account status
  - `beneficiaryType` 'INDIVIDUAL' | 'BUSINESS', required — Beneficiary type
  - `beneficiaryName` string, required — Beneficiary name
  - `metadata` AccountMetadataDto
    - `nickname` string — Account nickname
    - `purpose` string — Account purpose
    - `tags` string[] — Account tags
  - `paymentRail` 'ACH' | 'ACH_SAME_DAY' | 'WIRE' | 'FEDWIRE' | 'FED_NOW' | 'RTP' | 'EREBOR' | 'EREBOR_RAIL' | 'BALANCE' | 'SWIFT' | 'SEPA' | 'SEPA_INSTANT' | 'TIPS' | 'FASTER_PAYMENTS' | 'BACS' | 'CHAPS' | 'ELIXIR' | 'NICS' | 'EFT' | 'INTERAC' | 'NPP' | 'BECS' | 'UPI' | 'IMPS' | 'IMPS_WITH_FIRC' | 'NEFT' | 'RTGS' | 'BI_FAST' | 'ARTAJASA' | 'PIX' | 'TED' | 'TEF' | 'SPEI' | 'COELSA' | 'SINPE' | 'CIPS' | 'CFXPS' | 'CHATS' | 'ZENGIN' | 'KFTC' | 'FAST_SG' | 'MEPS' | 'DUITNOW' | 'PROMPTPAY' | 'INSTAPAY' | 'PESONET' | 'NAPAS' | 'BEFTN' | 'SLIPS' | 'ZAHAV' | 'GHIPSS' | 'NIBSS' | 'PESALINK' | 'RTC_ZA' | 'TZS_RTGS' | 'EGP_ACH' | 'JOD_ACH' | 'NPSS' | 'MADA' | 'QPS' | 'DOP_ACH' | 'GTQ_ACH' | 'HNL_ACH' | 'PEN_ACH' | 'JMD_ACH' | 'USD_ACH_SV' | 'USD_ACH_EC' | 'CLP_TEF' | 'PSE' | 'COP_ACH' | 'BOB_RTGS' | 'PYG_ACH' | 'CERTIS' | 'DKK_TIPS' | 'SENT' | 'NKS' | 'BANKGIROT' | 'HKD_FPS' | 'IBFT' | 'TRY_FAST', required — Primary payment rail for this account
  - `paymentRails` string[] — All payment rails this account supports (bank accounts only)
  - `beneficiaryAddress` object, nullable — Beneficiary address (bank accounts only)
    - `addressLine1` string
    - `addressLine2` string
    - `city` string
    - `state` string
    - `postalCode` string
    - `country` string
  - `beneficiaryPhone` string, nullable — Beneficiary phone number
  - `beneficiaryDateOfBirth` string, date — Account holder's date of birth
  - `bankName` string, nullable — Bank name (bank accounts only)
  - `bankAddress` object, nullable — Bank address (bank accounts only)
    - `addressLine1` string
    - `addressLine2` string
    - `city` string
    - `state` string
    - `postalCode` string
    - `country` string
  - `swiftBic` string, nullable — SWIFT/BIC code (bank accounts only)
  - `iban` string, nullable — IBAN (bank accounts only)
  - `accountNumber` string, nullable — Bank account number (bank accounts only)
  - `routingNumber` string, nullable — Bank routing code (ABA routing number, sort code, BSB, IFSC, etc.)
  - `branchCode` string, nullable — Bank branch code (for countries like Japan, Brazil, South Africa that use separate branch identifiers)
  - `beneficiaryDocumentType` string — Type of the beneficiary's national/tax identification document (rail-specific codes, e.g. CC/NIT for Colombia, RUT for Chile)
  - `beneficiaryDocumentNumber` string — The beneficiary's national/tax identification document number
  - `beneficiaryStateProvince` string — The beneficiary's state/department/province (rails that require it on payouts, e.g. Peru ACH)
  - `correspondentBankName` string, nullable — Correspondent/intermediary bank name (SWIFT)
  - `correspondentBankSwiftCode` string, nullable — Correspondent/intermediary bank SWIFT/BIC code (SWIFT)
  - `correspondentAccountNumber` string, nullable — Correspondent/intermediary account number (SWIFT)
  - `bankAccountType` 'checking' | 'savings', nullable — Bank account type (bank accounts only)
  - `currencyCodes` string[], nullable — Supported currency codes
  - `aliasType` 'PHONE' | 'EMAIL' | 'NATIONAL_ID' | 'TAX_ID' | 'RANDOM' | 'CORPORATE_ID', nullable — Type of proxy alias (proxy accounts only)
  - `aliasValue` string, nullable — The proxy alias value (proxy accounts only)
  - `createdAt` string, date-time, required — Account creation date
  - `updatedAt` string, date-time, required — Account last update date
  - `created` boolean — Whether this account was newly created in this request or returned from an existing match

## Other responses

- `401` — Unauthorized - Invalid or missing authentication credentials

---

[API](https://skmtc.dev/infinite/apis/infinite-api.md) · [All operations](https://skmtc.dev/infinite/apis/infinite-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/infinite/infinite-api/revisions/5426f2706725/schema)