---
title: "Create a bank account for a merchant"
method: POST
path: "/api/v1/merchants/{id}/bank-accounts"
tags: ["Merchant Bank Accounts"]
---

# Create a bank account for a merchant

`POST /api/v1/merchants/{id}/bank-accounts`

Create a bank account for a merchant

## Path parameters

- `id` string, uuid, required — The unique identifier of the merchant

## Request body

- MerchantBankAccountCreateInput — Merchant bank account creation input (direct-debit authorization evidence required for user-auth callers)
  - `account_number` string — The account number or IBAN of the bank account
  - `currency` string, required — The currency of the bank account
  - `country` string, required — The country of the bank account
  - `iban` string — The IBAN of the bank account (for EU market)
  - `bic` string — The BIC of the bank account (for EU market)
  - `sort_code` string — The sort code of the bank account (for UK market)
  - `routing_number` string — The routing number of the bank account (for US market)
  - `bank_id` string, uuid — The optional unique identifier of the associated bank entity
  - `bban` string — Basic Bank Account Number (e.g., for Norway)
  - `plusgiro_number` string — PlusGiro number (for Sweden)
  - `bsb` string — Bank State Branch code (for Australia)
  - `account_holder_name` string — Name of the account holder
  - `supported_payment_schemes` object[] — Optional array of payment schemes with active status. If omitted, no payment schemes will be attached.
    - `type` union, required — The type of payment scheme
      - 'SEPA_CREDIT_TRANSFER'
      - 'MULTIBANCO'
      - 'DANISH_DOMESTIC_CREDIT_TRANSFER'
      - 'FASTER_PAYMENTS'
      - 'BACS'
      - 'BECS'
      - 'ACH'
    - `is_active` boolean — Whether this account should actively receive payments for this scheme. Defaults to false if not specified.
  - `client_evidence` object
    - `checkout_page_version` string — APP_COMMIT_SHA the page was built from
    - `timezone` string — Browser IANA timezone
    - `fingerprint` string — FingerprintJS visitor id if available
    - `consented_agreements` object[], required — One entry per required consent kind for the current acceptance
      - `kind` string, required — AgreementKind literal
      - `agreement_id` string, uuid, required
    - `checkbox_language` object[], required — Rendered text of each checkbox the user ticked
      - `checkbox_id` string, required
      - `rendered_text` string, required
      - `covers_kinds` string[], required

## Response `201`

Created

- MerchantBankAccountResponse
  - `success` boolean, required — Indicates if the request was successful
  - `data` object, required — Merchant bank account information
    - `id` string, uuid — The unique identifier of the bank account
    - `account_number` string — The account number or IBAN of the bank account
    - `currency` string — The currency of the bank account
    - `country` string — The country of the bank account
    - `status` union — The status of the bank account
      - 'active'
      - 'archived'
    - `account_information_session_id` string, uuid — The account information session ID that created this bank account when linked via provider flow
    - `created_at` string, date-time — The creation date of the bank account
    - `updated_at` string, date-time — The last update date of the bank account
    - `iban` string — The IBAN of the bank account (for EU market)
    - `bic` string — The BIC of the bank account (for EU market)
    - `sort_code` string — The sort code of the bank account (for UK market)
    - `routing_number` string — The routing number of the bank account (for US market)
    - `bban` string — Basic Bank Account Number (e.g., for Norway)
    - `plusgiro_number` string — PlusGiro number (for Sweden)
    - `bsb` string — Bank State Branch code (for Australia)
    - `account_holder_name` string — Name of the account holder
    - `supported_payment_schemes` object[] — Payment schemes this account supports
      - `id` string, uuid, required — The unique identifier of the payment scheme
      - `type` union, required — The type of payment scheme
        - 'SEPA_CREDIT_TRANSFER'
        - 'MULTIBANCO'
        - 'DANISH_DOMESTIC_CREDIT_TRANSFER'
        - 'FASTER_PAYMENTS'
        - 'BACS'
        - 'BECS'
        - 'ACH'
      - `name` string, required — Human-readable name of the payment scheme
      - `is_active` boolean, required — Whether this account actively receives payments for this scheme
      - `additional_payment_method` boolean, required — Whether this scheme appears as a separate payment option in UI
    - `roles` union[] — The purposes this account serves
      - union — The purpose an account serves
        - 'receiving'
        - 'settlement'
        - 'refund'
    - `balance` string — Current balance for accounts that support balance reporting (decimal string)

## Other responses

- `400` — Bad Request
- `401` — Unauthorized
- `403` — Forbidden
- `404` — Not Found
- `500` — Internal Server Error

---

[API](https://skmtc.net/banqzinc/apis/quidkey-api.md) · [All operations](https://skmtc.net/banqzinc/apis/quidkey-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/banqzinc/quidkey-api/revisions/f86d2bdbcb08/schema)