--- title: "Create or retrieve funding instructions for a customer cash balance" method: POST path: "/v1/customers/{customer}/funding_instructions" --- # Create or retrieve funding instructions for a customer cash balance `POST /v1/customers/{customer}/funding_instructions` ## Request - Base URL: `https://api.stripe.com` - URL: `https://api.stripe.com/v1/customers/{customer}/funding_instructions` - Auth: one of: - HTTP basic - HTTP bearer Retrieve funding instructions for a customer cash balance. If funding instructions do not yet exist for the customer, new funding instructions will be created. If funding instructions have already been created for a given customer, the same funding instructions will be retrieved. In other words, we will return the same funding instructions each time. ## Path parameters - `customer` string, required ## Request body `application/x-www-form-urlencoded` - object - `bank_transfer` object, required: Additional parameters for `bank_transfer` funding types - `eu_bank_transfer` object - `country` string, required - `requested_address_types` string[] - `type` 'eu_bank_transfer' | 'gb_bank_transfer' | 'jp_bank_transfer' | 'mx_bank_transfer' | 'us_bank_transfer', required - `currency` string, currency, required: Three-letter [ISO currency code](https://www.iso.org/iso-4217-currency-codes.html), in lowercase. Must be a [supported currency](https://stripe.com/docs/currencies). - `expand` string[]: Specifies which fields in the response should be expanded. - `funding_type` 'bank_transfer', required: The `funding_type` to get the instructions for. ## Response `200` Successful response. - FundingInstructions: Each customer has a [`balance`](https://docs.stripe.com/api/customers/object#customer_object-balance) that is automatically applied to future invoices and payments using the `customer_balance` payment method. Customers can fund this balance by initiating a bank transfer to any account in the `financial_addresses` field. Related guide: [Customer balance funding instructions](https://docs.stripe.com/payments/customer-balance/funding-instructions) - `bank_transfer` FundingInstructionsBankTransfer, required - `country` string, required: The country of the bank account to fund - `financial_addresses` FundingInstructionsBankTransferFinancialAddress[], required: A list of financial addresses that can be used to fund a particular balance - `aba` FundingInstructionsBankTransferAbaRecord: ABA Records contain U.S. bank account details per the ABA format. - `account_holder_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `account_holder_name` string, required: The account holder name - `account_number` string, required: The ABA account number - `account_type` string, required: The account type - `bank_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `bank_name` string, required: The bank name - `routing_number` string, required: The ABA routing number - `iban` FundingInstructionsBankTransferIbanRecord: Iban Records contain E.U. bank account details per the SEPA format. - `account_holder_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `account_holder_name` string, required: The name of the person or business that owns the bank account - `bank_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `bic` string, required: The BIC/SWIFT code of the account. - `country` string, required: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `iban` string, required: The IBAN of the account. - `sort_code` FundingInstructionsBankTransferSortCodeRecord: Sort Code Records contain U.K. bank account details per the sort code format. - `account_holder_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `account_holder_name` string, required: The name of the person or business that owns the bank account - `account_number` string, required: The account number - `bank_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `sort_code` string, required: The six-digit sort code - `spei` FundingInstructionsBankTransferSpeiRecord: SPEI Records contain Mexico bank account details per the SPEI format. - `account_holder_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `account_holder_name` string, required: The account holder name - `bank_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `bank_code` string, required: The three-digit bank code - `bank_name` string, required: The short banking institution name - `clabe` string, required: The CLABE number - `supported_networks` string[]: The payment networks supported by this FinancialAddress - `swift` FundingInstructionsBankTransferSwiftRecord: SWIFT Records contain U.S. bank account details per the SWIFT format. - `account_holder_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `account_holder_name` string, required: The account holder name - `account_number` string, required: The account number - `account_type` string, required: The account type - `bank_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `bank_name` string, required: The bank name - `swift_code` string, required: The SWIFT code - `type` 'aba' | 'iban' | 'sort_code' | 'spei' | 'swift' | 'zengin', required: The type of financial address - `zengin` FundingInstructionsBankTransferZenginRecord: Zengin Records contain Japan bank account details per the Zengin format. - `account_holder_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `account_holder_name` string, nullable: The account holder name - `account_number` string, nullable: The account number - `account_type` string, nullable: The bank account type. In Japan, this can only be `futsu` or `toza`. - `bank_address` Address, required - `city` string, nullable: City, district, suburb, town, or village. - `country` string, nullable: Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)). - `line1` string, nullable: Address line 1, such as the street, PO Box, or company name. - `line2` string, nullable: Address line 2, such as the apartment, suite, unit, or building. - `postal_code` string, nullable: ZIP or postal code. - `state` string, nullable: State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)). - `bank_code` string, nullable: The bank code of the account - `bank_name` string, nullable: The bank name of the account - `branch_code` string, nullable: The branch code of the account - `branch_name` string, nullable: The branch name of the account - `type` 'eu_bank_transfer' | 'jp_bank_transfer', required: The bank_transfer type - `currency` string, required: Three-letter [ISO currency code](https://www.iso.org/iso-4217-currency-codes.html), in lowercase. Must be a [supported currency](https://stripe.com/docs/currencies). - `funding_type` 'bank_transfer', required: The `funding_type` of the returned instructions - `livemode` boolean, required: If the object exists in live mode, the value is `true`. If the object exists in test mode, the value is `false`. - `object` 'funding_instructions', required: String representing the object's type. Objects of the same type share the same value. ## Other responses - `default`: Error response. ## Changes > 56 revisions in range; 10 not diffed, 14 could not be searched. - **2025-12-11** `b22313c11340`: 6 info - added the optional property `error/payment_intent/latest_charge/anyOf[subschema #2: Charge]/payment_method_details/anyOf[subschema #1: payment_method_details]/acss_debit/expected_debit_date` to the response with the `default` status - added the optional property `error/payment_intent/latest_charge/anyOf[subschema #2: Charge]/payment_method_details/anyOf[subschema #1: payment_method_details]/au_becs_debit/expected_debit_date` to the response with the `default` status - added the optional property `error/payment_intent/latest_charge/anyOf[subschema #2: Charge]/payment_method_details/anyOf[subschema #1: payment_method_details]/bacs_debit/expected_debit_date` to the response with the `default` status - added the optional property `error/payment_intent/latest_charge/anyOf[subschema #2: Charge]/payment_method_details/anyOf[subschema #1: payment_method_details]/nz_bank_account/expected_debit_date` to the response with the `default` status - …2 more - …this revision’s changelog is incomplete - **2025-11-05** `c113b1939b8f`: 1 info - added the optional property `error/payment_intent/payment_method_options/anyOf[subschema #1: PaymentIntentPaymentMethodOptions]/card_present/anyOf[subschema #1: payment_method_options_card_present]/capture_method` to the response with the `default` status - …earlier changes not shown [Operation history](https://skmtc.dev/stripe/apis/spec3/changes/v1/customers/:customer/funding_instructions/post.md) --- [API](https://skmtc.dev/stripe/apis/spec3.md) - [All operations](https://skmtc.dev/stripe/apis/spec3/llms.txt) - [OpenAPI document](https://skmtc.dev/stripe/apis/spec3/revisions/585b581504ae?raw)