INinfinite
External Bank Accounts

Create an external account

Changed on

Create an external account for bank transfers or proxy-based payments.

Deduplication

Create is find-or-create. Matching differs for bank vs proxy accounts:

Bank accounts match by customer plus the exact set of normalized bank identifiers you supply (any of swiftBic, iban, routingNumber, accountNumber that are present) — not by paymentRails. All supplied identifiers must match; adding or omitting one (e.g. SEPA with only iban, then SWIFT with the same iban plus swiftBic) produces a different identity and a new account. Reusing the same identifier set with a different rail (e.g. ACH after WIRE) returns the existing account and does not add that rail.

Proxy accounts match by customer + normalized alias + payment rail. The same alias on another proxy rail creates a separate account.

On a bank-account reuse (created: false):

  • Existing paymentRails stay unchanged.
  • Missing create-only fields (branch, beneficiary document, correspondent details) may be backfilled when supplied; conflicting values return 400.
  • A closed account (closed via the API) is reopened with the same ID; fixed routes disabled when it was closed stay disabled and must be re-enabled separately.

To add compatible bank rails to an existing account (e.g. ACH onto a WIRE-only US account), use PATCH /v1/external-bank-accounts/{id} with the full resulting paymentRails list. Do not rely on a second create.

On every create response, check created. For bank accounts also check paymentRails; for proxy accounts check paymentRail (proxies do not return paymentRails). HTTP 201 with created: false means identity reuse, not a new rail set.

Field Mapping

We use generic field names that adapt to country-specific identifiers:

FieldUSUKEUIndiaMexicoAustralia
routingNumberABA (9 digits)Sort code (6 digits)-IFSC (11 chars)-BSB (6 digits)
accountNumberAccount numberAccount (8 digits)-Account numberCLABE (18 digits)Account number
iban--IBAN---

Bank Account Requirements by Rail

RailRequired Fields
ACH/Wire (US)routingNumber + accountNumber
SWIFT (IBAN countries)swiftBic + iban
SWIFT (US)swiftBic + accountNumber (routingNumber optional)
SWIFT (AU)swiftBic + routingNumber (BSB) + accountNumber
SEPAiban (swiftBic optional)
Faster Payments (UK)routingNumber (sort code) + accountNumber
IMPS/NEFT (India)routingNumber (IFSC) + accountNumber
SPEI (Mexico)accountNumber (18-digit CLABE)

Proxy Accounts

For instant payment rails (PIX, UPI, PromptPay), provide alias details instead of bank details:

  • aliasType: phone, email, tax_id, national_id, or random
  • aliasValue: The identifier value

The payment network resolves the alias to the recipient's account.

post/v1/external-bank-accounts

Request

Headers

X-API-Keystring

API key

Idempotency-Keystring

When set, replays with the same key and body return the current state of the created external account (serialized from the live account row). A different body with the same key returns 422.

Request body

correspondentBankNamestring

Correspondent/intermediary bank name

correspondentBankSwiftCodestring

Correspondent/intermediary bank SWIFT/BIC code (8 or 11 characters)

correspondentAccountNumberstring

Correspondent/intermediary account number

customerIdstring required

Customer ID

counterpartyIdstring

Existing counterparty ID. When provided for a third-party bank account, known counterparty data can be reused.

beneficiaryNamestring required

Full legal name of the account holder

paymentRailsstring[] required

Payment rails this account supports.

Bank rails: ACH, SWIFT, SEPA, WIRE, FASTER_PAYMENTS, IMPS, NEFT, SPEI, etc.

Proxy rails: PIX, UPI, PROMPTPAY, DUITNOW (require aliasType + aliasValue)

Compatible bank rails can be combined on first create (e.g., a US account can support ["ACH", "ACH_SAME_DAY", "WIRE"]).

If a bank account with the same exact identifier set already exists, create returns that account without changing its rails — use PATCH to add compatible rails. Supplying a different identifier subset (e.g. IBAN only vs IBAN + SWIFT BIC) creates a new account. Proxy accounts dedupe by alias and rail, so the same alias on another proxy rail creates a new account.

beneficiaryType'INDIVIDUAL' | 'BUSINESS'

Beneficiary type (individual or business)

isThirdPartyboolean

Whether the account holder differs from the customer (third-party payment). May require additional compliance checks.

aliasType'PHONE' | 'EMAIL' | 'NATIONAL_ID' | 'TAX_ID' | 'RANDOM' | 'CORPORATE_ID'

Required for proxy rails. The type of alias identifier.

Supported alias types vary by rail:

  • PIX (Brazil): phone, email, tax_id (CPF/CNPJ), random
  • UPI (India): phone, random (VPA)
  • PromptPay (Thailand): phone, national_id, tax_id
  • DuitNow (Malaysia): phone, national_id (NRIC), corporate_id
  • GhIPSS (Ghana): phone
  • SINPE (Costa Rica): phone

Note: Both aliasType and aliasValue must be provided together.

aliasValuestring

Required for proxy rails. The alias value. Format depends on aliasType:

  • phone: E.164 format (+5511912345678)
  • email: Standard email format
  • tax_id: Country-specific (Brazil CPF: 11 digits, CNPJ: 14 digits)
  • national_id: Country-specific (Thailand: 13 digits, Malaysia NRIC: 12 digits)
  • random: UUID format or provider-assigned key (e.g., UPI VPA like "user@upi")

Note: Both aliasType and aliasValue must be provided together.

Normalization: The value is normalized to lowercase and trimmed before storage. While some identifiers (e.g., UPI VPAs, emails) may display with mixed case, payment rails typically treat them as case-insensitive for routing.

beneficiaryPhonestring

Beneficiary phone number in E.164 format

beneficiaryDateOfBirthstring date

Account holder's date of birth. Required at payout time for individual beneficiaries on supported corridors.

bankNamestring

Bank name. Auto-enriched from routing codes (SWIFT/BIC, IFSC, sort code, etc.) if not provided. Required if enrichment is unavailable.

swiftBicstring

SWIFT/BIC code (8 or 11 characters).

  • SWIFT transfers: Always required
  • SEPA: Optional (IBAN-only supported)
ibanstring

IBAN (International Bank Account Number).

  • SWIFT to EU/UK: Required (with swiftBic)
  • SEPA/SEPA Instant: Required (swiftBic optional)
accountNumberstring

Bank account number or equivalent. Usage varies by country:

  • US (ACH/Wire): Account number (with 9-digit routingNumber)
  • UK (Faster Payments): 8-digit account (with 6-digit sort code in routingNumber)
  • India (IMPS/NEFT): Account number (with 11 char IFSC in routingNumber)
  • Mexico (SPEI): 18-digit CLABE (routingNumber not needed)
  • Argentina (COELSA): 22-digit CBU (routingNumber not needed)
  • Brazil (TED): Account number (with bank code in routingNumber)
routingNumberstring

Bank routing code. This field adapts to country-specific identifiers:

  • US: 9-digit ABA routing number
  • CA: 8-9 digits (transit + institution)
  • AU: 6-digit BSB
  • UK: 6-digit sort code
  • India: 11 character IFSC code
branchCodestring

Bank branch code. Required for countries that use separate bank and branch identifiers:

  • Japan: 3-digit branch code (used with 4-digit bank code)
  • Brazil: 4-5 digit agency/branch number
  • South Africa: 6-digit branch code
  • New Zealand: 4-digit branch code
  • Bolivia: 3-letter branch city code (e.g. LPZ, SCZ)
beneficiaryDocumentTypestring

Type of the beneficiary's national/tax identification document. Required for payouts on rails whose clearing system carries the beneficiary document — the valid codes are rail-specific:

  • Colombia (ACH): CC, NIT, CE, PA, PPT, TI, RC, TE, DIE, ND
  • Chile (TEF): RUT, RUN, PAS, CE
  • Paraguay (SIPAP): CI, PAS, CRP, CRC, RUC, DNI
  • Peru (ACH): RUC, DNI, PAS, CE

Brazil (TED) and Bolivia take only beneficiaryDocumentNumber (Brazil infers CPF vs CNPJ from the digit count). Optional at creation; payouts on these rails fail without it.

beneficiaryDocumentNumberstring

The beneficiary's national/tax identification document number (e.g. CPF/CNPJ digits for Brazil, cédula number for Colombia/Paraguay, RUT for Chile). Format is validated per rail at payout time. Optional at creation; payouts on rails that require it fail without it.

beneficiaryStateProvincestring

The beneficiary's state/department/province, for rails whose clearing system requires it on payouts (Peru ACH, e.g. LIMA). Optional at creation; payouts on those rails fail without it.

bankAccountType'checking' | 'savings'

Bank account type (checking vs savings). Required for US ACH, and for payouts on rails whose clearing system carries it (e.g. Brazil TED, Colombia ACH, Chile TEF, Peru ACH) — accounts on those rails cannot receive payouts without it.

currencyCodesstring[]

ISO 4217 currency codes this account can receive. If omitted, inferred from the payment rails. Can only be specified for Hong Kong (CHATS) or SWIFT payment rails.

Example request

{
  "correspondentBankName": "Bank of America",
  "correspondentBankSwiftCode": "IRVTUS3NXXX",
  "correspondentAccountNumber": "9876543210",
  "customerId": "cust_abc123",
  "counterpartyId": "cp_abc123",
  "beneficiaryName": "John Smith",
  "paymentRails": [
    "ACH",
    "WIRE"
  ],
  "beneficiaryType": "INDIVIDUAL",
  "metadata": {
    "nickname": "Main Checking Account",
    "purpose": "Business operations",
    "tags": [
      "primary",
      "operations"
    ]
  },
  "aliasType": "TAX_ID",
  "aliasValue": "12345678901",
  "beneficiaryAddress": {
    "addressLine1": "123 Main Street",
    "addressLine2": "Apt 4B",
    "city": "San Francisco",
    "state": "CA",
    "postalCode": "94102",
    "country": "US",
    "transliterated": {
      "addressLine1": "123 Main Street",
      "addressLine2": "Apt 4B",
      "city": "Beijing",
      "state": "Hebei"
    }
  },
  "beneficiaryPhone": "+14155551234",
  "beneficiaryDateOfBirth": "1990-01-31",
  "bankName": "JPMorgan Chase Bank",
  "bankAddress": {
    "addressLine1": "123 Main Street",
    "addressLine2": "Apt 4B",
    "city": "San Francisco",
    "state": "CA",
    "postalCode": "94102",
    "country": "US"
  },
  "swiftBic": "CHASUS33",
  "iban": "DE89370400440532013000",
  "accountNumber": "1234567890",
  "routingNumber": "021000021",
  "branchCode": "001",
  "beneficiaryDocumentType": "CC",
  "beneficiaryDocumentNumber": "12345678901",
  "beneficiaryStateProvince": "LIMA",
  "bankAccountType": "checking",
  "currencyCodes": [
    "USD"
  ]
}

Response

External account created, reused, or reopened successfully. Bank reuse preserves existing paymentRails (other create-only fields may backfill). Proxy reuse matches alias+rail. Check created on the body; bank responses also include paymentRails, proxy responses include paymentRail.

idstring required

Account ID

customerIdstring required

Customer ID

counterpartyIdstring 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

beneficiaryNamestring required

Beneficiary name

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' | 'CNAPS' | '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

paymentRailsstring[]

All payment rails this account supports (bank accounts only)

beneficiaryPhonestring nullable

Beneficiary phone number

beneficiaryDateOfBirthstring date

Account holder's date of birth

bankNamestring nullable

Bank name (bank accounts only)

swiftBicstring nullable

SWIFT/BIC code (bank accounts only)

ibanstring nullable

IBAN (bank accounts only)

accountNumberstring nullable

Bank account number (bank accounts only)

routingNumberstring nullable

Bank routing code (ABA routing number, sort code, BSB, IFSC, etc.)

branchCodestring nullable

Bank branch code (for countries like Japan, Brazil, South Africa that use separate branch identifiers)

beneficiaryDocumentTypestring

Type of the beneficiary's national/tax identification document (rail-specific codes, e.g. CC/NIT for Colombia, RUT for Chile)

beneficiaryDocumentNumberstring

The beneficiary's national/tax identification document number

beneficiaryStateProvincestring

The beneficiary's state/department/province (rails that require it on payouts, e.g. Peru ACH)

correspondentBankNamestring nullable

Correspondent/intermediary bank name (SWIFT)

correspondentBankSwiftCodestring nullable

Correspondent/intermediary bank SWIFT/BIC code (SWIFT)

correspondentAccountNumberstring nullable

Correspondent/intermediary account number (SWIFT)

bankAccountType'checking' | 'savings' nullable

Bank account type (bank accounts only)

currencyCodesstring[] nullable

Supported currency codes

aliasType'PHONE' | 'EMAIL' | 'NATIONAL_ID' | 'TAX_ID' | 'RANDOM' | 'CORPORATE_ID' nullable

Type of proxy alias (proxy accounts only)

aliasValuestring nullable

The proxy alias value (proxy accounts only)

createdAtstring date-time required

Account creation date

updatedAtstring date-time required

Account last update date

createdboolean

Present on create responses. true = a new account was inserted. false = an existing account matched (bank: customer + the exact normalized identifier set supplied; proxy: customer + alias + rail) and was reused. For bank accounts, existing paymentRails are not updated by create — use PATCH to add rails; missing create-only fields may still be backfilled and conflicting values return 400. For proxy accounts, inspect paymentRail (proxies do not return paymentRails).

Example response

{
  "id": "eba_1234567890abcdef",
  "customerId": "cust_abc123",
  "counterpartyId": "cp_abc123",
  "type": "EXTERNAL_BANK",
  "status": "IN_REVIEW",
  "beneficiaryType": "INDIVIDUAL",
  "beneficiaryName": "John Smith",
  "metadata": {
    "nickname": "Main Checking Account",
    "purpose": "Business operations",
    "tags": [
      "primary",
      "operations"
    ]
  },
  "paymentRail": "SWIFT",
  "paymentRails": [
    "ACH",
    "ACH_SAME_DAY",
    "WIRE"
  ],
  "beneficiaryAddress": {
    "addressLine1": "123 Main Street",
    "addressLine2": "Suite 100",
    "city": "New York",
    "state": "NY",
    "postalCode": "10001",
    "country": "US"
  },
  "beneficiaryPhone": "+12125551234",
  "beneficiaryDateOfBirth": "1990-01-31",
  "bankName": "JPMorgan Chase Bank",
  "bankAddress": {
    "addressLine1": "270 Park Avenue",
    "addressLine2": "Floor 10",
    "city": "New York",
    "state": "NY",
    "postalCode": "10017",
    "country": "US"
  },
  "swiftBic": "CHASUS33",
  "iban": "GB82WEST12345698765432",
  "accountNumber": "1234567890",
  "routingNumber": "021000021",
  "branchCode": "001",
  "beneficiaryDocumentType": "CC",
  "beneficiaryDocumentNumber": "12345678901",
  "beneficiaryStateProvince": "LIMA",
  "correspondentBankName": "Bank of America",
  "correspondentBankSwiftCode": "IRVTUS3NXXX",
  "correspondentAccountNumber": "9876543210",
  "bankAccountType": "checking",
  "currencyCodes": [
    "USD",
    "EUR"
  ],
  "aliasType": "TAX_ID",
  "aliasValue": "12345678901",
  "createdAt": "2026-01-15T10:00:00Z",
  "updatedAt": "2026-01-15T10:00:00Z",
  "created": true
}

Changes

  • 7072bd7fdeb7Revision changes
    • warning

      added the new CNAPS enum value to the response property for the response status

    • warning

      added the new CNAPS enum value to the / response property for the response status

    • info

      added the new CNAPS enum value to the request property /

  • 6cdc7971ec12Revision changes
    • info

      added the new optional header request parameter Idempotency-Key

    • info

      added the non-success response with the status

    • info

      added the non-success response with the status

    • info

      added the non-success response with the status