---
title: "Create manual account"
method: POST
path: "/users/{user_guid}/accounts"
tags: ["mx_platform"]
---

# Create manual account

`POST /users/{user_guid}/accounts`

This endpoint can only be used to create manual accounts. Creating a manual account will automatically create it under the Manual Institution member. Since a manual account has no credentials tied to the member, the account will never aggregate or include data from a data feed.

## Path parameters

- `user_guid` string, required

## Request body

- AccountCreateRequestBody
  - `account` AccountCreateRequest
    - `account_subtype` string
    - `account_type` string, required
    - `apr` number
    - `apy` number
    - `available_balance` number
    - `balance` number
    - `cash_surrender_value` number
    - `credit_limit` number
    - `currency_code` string
    - `death_benefit` integer
    - `interest_rate` number
    - `is_business` boolean
    - `is_closed` boolean
    - `is_hidden` boolean
    - `loan_amount` number
    - `metadata` string
    - `name` string, required
    - `nickname` string
    - `original_balance` number
    - `property_type` string
    - `skip_webhook` boolean

## Response `200`

OK

## Changes

> 42 revisions in range; 1 not diffed.

- **2025-06-24** `22b9fde3dcdb` — 2 breaking
  - the `account/premium_amount` response's property type/format changed from `string`/`` to `number`/`` for status `200`
  - the `account/property_type` response's property type/format changed from `integer`/`` to `string`/`` for status `200`
- **2025-06-24** `17f94e3a8ecb` — 2 breaking, 64 info
  - the `account/premium_amount` response's property type/format changed from `number`/`` to `string`/`` for status `200`
  - the `account/property_type` response's property type/format changed from `string`/`` to `integer`/`` for status `200`
  - added the optional property `account/account_number_set_by` to the response with the `200` status
  - added the optional property `account/apr_set_by` to the response with the `200` status
  - …62 more
- **2024-10-25** `eb1c54a91424` — 1 info
  - added the optional property `account/federal_insurance_status` to the response with the `200` status
- **2024-08-13** `3b78d3606307` — 1 info
  - added the optional property `account/statement_balance` to the response with the `200` status
- **2024-07-11** `4ff1043cdf6f` — 1 info
  - added the optional property `account/total_account_value_ugl` to the response with the `200` status

[Full history](https://skmtc.dev/mx/apis/mx-platform-api/changes/users/:user_guid/accounts/post.md)

---

[API](https://skmtc.dev/mx/apis/mx-platform-api.md) · [All operations](https://skmtc.dev/mx/apis/mx-platform-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/mx/mx-platform-api/revisions/22b9fde3dcdb/schema)