---
title: "Create Bank Account"
method: POST
path: "/bank_accounts"
tags: ["Bank Accounts"]
---

# Create Bank Account

`POST /bank_accounts`

Create a **Bank Account** to be used as either a funding source or a Disbursement destination. Store the returned `:id` and use it for a `make_payment` **Item Action** call. The `:id` is also referred to as a `token` when involving **Bank Accounts**.

## Request body

- BankAccountRequestBodyAu
  - `user_id` string, required — User ID
  - `bank_name` string, required — Bank name
  - `account_name` string, required — Account name
  - `routing_number` string, required — *Required conditionally* - Routing number / BSB number. See [Bank account formats by country](https://developer.assemblypayments.com/docs/input-formats).
  - `account_number` string, required — Account number. See [Bank account formats by country](https://developer.assemblypayments.com/docs/input-formats).
  - `account_type` 'savings' | 'checking', required — Bank account type (savings or checking)
  - `holder_type` 'personal' | 'business', required — Holder type (personal or business)
  - `country` string, required — [ISO 3166-1 alpha-3](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-3#Officially_assigned_code_elements) country code (3 char)
  - `payout_currency` string — [ISO 4217 alpha-3](https://en.wikipedia.org/wiki/ISO_4217#Active_codes) currency code. This parameter determines the currency with which funds are paid out.
  - `currency` string — [ISO 4217 alpha-3](https://en.wikipedia.org/wiki/ISO_4217#Active_codes) currency code. This is an optional field and if not provided, the item will be created with the default currency of the marketplace.

## Response `201`

OK

- BankAccountAu
  - `bank_accounts` object
    - `active` boolean
    - `created_at` string, date-time
    - `updated_at` string, date-time
    - `id` string, uuid
    - `currency` string
    - `verification_status` 'not_verified' | 'in_progress' | 'processed'
    - `verification` object
      - `verified_at` string, date-time
      - `verification_method` 'COP'
      - `result` object
        - `match_result` 'MTCH' | 'MTCO' | 'CMTC' | 'WMTC' | 'NMTC' | 'NMTO' | 'NINF' | 'NFND' | 'CLSD'
    - `bank` object
      - `bank_name` string
      - `country` string
      - `account_name` string
      - `routing_number` string
      - `account_number` string
      - `holder_type` 'personal' | 'business'
      - `account_type` 'savings' | 'checking'
      - `direct_debit_authority_status` 'null' | 'approved'
    - `links` object
      - `self` string
      - `users` string
      - `direct_debit_authorities` string

---

[API](https://skmtc.net/hellozai/apis/assembly-api.md) · [All operations](https://skmtc.net/hellozai/apis/assembly-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/hellozai/assembly-api/revisions/60b528b2e015/schema)