---
title: "Create Transaction"
method: POST
path: "/digital-banking/v1/accounts/{account_id}/transactions"
tags: ["Transactions"]
---

# Create Transaction

`POST /digital-banking/v1/accounts/{account_id}/transactions`

## Path parameters

- `account_id` union, required
  - string, uuid
  - string

## Query parameters

- `id_type` 'INSTITUTION' — Type of the account id. Institution accounts ids are external ids and come from the institution.

## Headers

- `idempotency-key` string, required

## Request body

- CreateTransactionRequest
  - `amount` string, required — Transaction amount. If negative, the transaction type will be Debit instead of Credit.
  - `transacted_at` string, date-time, required — The datetime when the transaction occurred. Must be timezone-aware and cannot be in the future. Backdating is restricted to the current calendar month and must not precede the most recent allocation cutoff (2:00 PM ET on the last business day at or before the time of submission). Transactions submitted after the allocation cutoff on the last day of the month will have their effective date adjusted to the 1st of the following month.
  - `description` string, nullable
  - `institution_transaction_id` string, nullable

## Response `201`

Successful Response

- TransactionResponse
  - `id` string, required
  - `account_id` string, required
  - `institution_id` string, required
  - `amount` string, required
  - `transacted_at` string, required
  - `transaction_status` 'PENDING' | 'POSTED' | 'CANCELLED', required
  - `description` string, nullable
  - `is_interest_payment` boolean, required
  - `posted_at` string, nullable
  - `institution_transaction_id` string, nullable
  - `transaction_type` 'CREDIT' | 'DEBIT', required

## Other responses

- `400` — Bad Request - Invalid input or validation error
- `401` — Unauthenticated - Invalid or missing authentication credentials
- `403` — Unauthorized - Insufficient permissions to access resource
- `422` — Validation Error
- `500` — Internal Server Error

---

[API](https://skmtc.net/modernfi/apis/endpoints.md) · [All operations](https://skmtc.net/modernfi/apis/endpoints/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/modernfi/endpoints/revisions/d9c7bd6bd2f2/schema)