---
title: "Create a virtual bank account"
method: POST
path: "/payments/virtual_bank_accounts"
tags: ["Virtual Bank Accounts"]
---

# Create a virtual bank account

`POST /payments/virtual_bank_accounts`

## Request

- Base URL: `https://sandbox.upvest.co`
- URL: `https://sandbox.upvest.co/payments/virtual_bank_accounts`
- Auth: OAuth 2 (client credentials, token URL `https://sandbox.upvest.co/auth/token`, scopes: `payments:admin`)

Creates a virtual bank account for an account group. The virtual bank account provides an IBAN and BIC that end users can use to send SEPA Credit Transfers directly to their investment account.

## Headers

- `idempotency-key` string, uuid, required

## Request body

- object: Request body for creating a virtual bank account for an account group.
  - `account_group_id` string, uuid, required: Universally Unique Identifier (UUID) of the account group.
  - `name` string, required: Name of the virtual bank account

## Response `200`

Virtual Bank Account created.

- object: Represents a virtual bank account assigned to an account group. Provides an IBAN and BIC that end users can use to send SEPA Credit Transfers directly to their investment account.
  - `id` string, uuid, required: Virtual bank account request unique identifier.
  - `created_at` string, date-time, required: Date and time when the resource was created. [RFC 3339-5](https://datatracker.ietf.org/doc/html/rfc3339#section-5.6), [ISO8601 UTC](https://www.iso.org/iso-8601-date-and-time-format.html)
  - `account_group_id` string, uuid, required: Universally Unique Identifier (UUID) of the account group.
  - `name` string: Name of the virtual bank account
  - `owner` object, required: Owner of the virtual bank account
    - `name` string, required: Name of the owner of the virtual bank account
  - `identification` object, required: Identification details
    - `swift` object: SWIFT details
      - `iban` string, required: International Bank Account Number [IBAN](https://en.wikipedia.org/wiki/International_Bank_Account_Number).
      - `bic` string, required: Business Identifier Code (also known as SWIFT-BIC, BIC, SWIFT ID or SWIFT code) [ISO 9362](https://en.wikipedia.org/wiki/ISO_9362).

## Other responses

- `400`: Bad Request. The incoming request had a malformed parameter/object.
- `401`: Unauthorized. The caller has not been authenticated.
- `403`: Forbidden. The caller has been authenticated but is not allowed to take the requested action.
- `404`: Not Found. The requested resource could not be found.
- `406`: Not Acceptable. The resource does not have a current representation that would be acceptable to the user agent. "Accept" header defined unsupported value.
- `429`: Too Many Requests. The caller has exceeded their quota for the time period and has been throttled.
- `500`: Internal Server Error. The service encountered an unexpected error.
- `503`: Service Unavailable. The service handling for this request cannot be reached at this time.
- `504`: Gateway Timeout. The service gateway has reached its internal timeout.

---

[API](https://skmtc.dev/upvest/apis/upvest-investment-api.md) · [All operations](https://skmtc.dev/upvest/apis/upvest-investment-api/llms.txt) · [OpenAPI document](https://skmtc.dev/upvest/apis/upvest-investment-api/revisions/ca69534b631d?raw)