---
title: "Create Virtual Account"
method: POST
path: "/profile/virtual-accounts/requests-1"
---

# Create Virtual Account

`POST /profile/virtual-accounts/requests-1`

This API lets you create local currency virtual accounts.

## Request body

- object
  - `currency` 'NGN' | 'GHS' | 'KES' | 'TZS', required — The virtual account currency.
  - `accountType` 'individual' | 'corporate', required — The Virtual account type
  - `KYCInformation` object, required — Know your customer information
    - `firstName` string — The first name of the customer. This is required when requesting an individual virtual account.
    - `lastName` string — The last name of the customer. This is required when requesting an individual virtual account.
    - `businessName` object — The name of the business the account is being created for. This is the name that would be assigned to the virtual account. This is required when account type is corporate
      - `countryOfResidence` string, required — The code of country according to ISO 3166-1 Alpha 2
      - `zip` string, required — Zip Code.
      - `street` string, required — Street Name.
      - `number` string, required — The house number.
      - `state` string, required — The state.
      - `city` string, required — The city name.
    - `email` string, required — The email of the customer.
    - `bvn` string — The bank verification number of the customer. This is required for NGN account requests
    - `bvnName` 'salary' | 'business_income' | 'investment' | 'gift' | 'inheritance' | 'real_estate' | 'loan' | 'pension' | 'grant' | 'trust' | 'crypto' | 'other' — Customer's full name that matches the BVN record. This is required for NGN corporate account request
  - `merchantReference` string — A unique ID/reference of the virtual account on your system.
  - `phoneNumber` string — The customer's phone number

## Response `200`

200

- object
  - `success` boolean
  - `message` string
  - `data` object
    - `status` string
    - `isActive` boolean
    - `accountNumber` unknown
    - `merchantReference` unknown
    - `KYCInformation` object
      - `address` object
        - `countryOfResidence` string
        - `zip` string
        - `street` string
        - `number` string
        - `state` string
        - `city` string
      - `document` object
        - `type` string
        - `number` string
        - `issuedCountryCode` string
        - `issuedBy` string
        - `issuedDate` string
        - `expirationDate` string
      - `firstName` string
      - `lastName` string
      - `email` string
      - `birthDate` string
      - `nationality` string
      - `incomeBand` string
      - `phone` string
      - `occupation` string
      - `sourceOfIncome` string
      - `accountDesignation` string
      - `employmentStatus` string
    - `accountInformation` unknown
    - `verifiedKYCData` unknown
    - `note` unknown
    - `accountOpeningFee` integer
    - `pendingAdditionalInfoCount` integer
    - `isPermanent` boolean
    - `expiresAt` unknown
    - `isCheckoutVa` boolean
    - `isBankTransferVa` boolean
    - `isSuspended` boolean
    - `reason` unknown
    - `monthlyVolume` unknown
    - `entityName` unknown
    - `paymentFlowDescription` unknown
    - `attachments` object[]
    - `meansOfId` object[]
      - `name` string
      - `url` string
    - `bankStatement` object[]
      - `name` string
      - `url` string
    - `utilityBill` object[]
      - `name` string
      - `url` string
    - `virtualAccountType` string
    - `riskRating` unknown
    - `checklist` unknown
    - `riskScreening` unknown
    - `channelKycUpdateStatus` unknown
    - `channelKycUpdateResponse` unknown
    - `_id` string
    - `business` string
    - `currency` string
    - `accountType` string
    - `entityType` string
    - `currencyType` string
    - `createdAt` string
    - `updatedAt` string

## Other responses

- `400` — 400

---

[API](https://skmtc.net/fincra/apis/awesome-new-api.md) · [All operations](https://skmtc.net/fincra/apis/awesome-new-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/fincra/awesome-new-api/revisions/c8215c27b460/schema)