---
title: "Create internal account"
method: POST
path: "/internal_accounts"
tags: ["Internal Accounts"]
---

# Create internal account

`POST /internal_accounts`

Create an internal account, which can refer to an existing active account holder. This internal account will only be created in Numeral system and should be created by your bank beforehand. It will refer to either: (1) a type own account, namely a record of a financial institution connected account or (2) a type virtual account managed by your bank.

## Request body

- InternalAccountsCreateInternalAccount
  - `connected_account_ids` unknown[]
    - unknown
  - `type` 'own' | 'virtual', required — The type of the internal account.
  - `name` string, required — The name of the internal account.
  - `holder_name` string, required — The name of the internal account holder.
  - `alternative_holder_names` string[] — Alternative account holder names, for instance if the account is a joint account.
  - `account_number` string, required — The account number of the internal account. Own internal accounts accept IBANs and UK domestic account numbers, and virtual internal accounts accept any alphanumerical account numbers up to 35 characters.
  - `account_number_format` 'iban' | 'uk_account_number' | 'us_account_number' | 'tokenized' | 'other' — The format of the account number. When set, it must match `account_number` unless the format is `other` or `tokenized`.
  - `bank_code` string — The bank code. Mandatory for internal accounts of type = `own`.
  - `bank_code_format` 'bic' | 'uk_sorting_code' | 'us_aba_routing_number' | 'tokenized' | 'other' — The format of the bank code. When set, it must match `bank_code` unless the format is `other` or `tokenized`.
  - `organization_identification` InternalAccountsOrganizationIdentification — The organization identification of the internal account. See more [here](https://docs.numeral.io/reference/organization-identifications).
    - `legal_entity_identifier` string — The legal entity identifier (LEI) of the internal account.
    - `business_identification_code` string — The business identification code of the internal account.
    - `default_other_identifier_type` 'bank_identification' | 'central_bank_identification' | 'clearing_house_identification' | 'company_incorporation_number' | 'company_identification' | 'customer_number' | 'duns_number' | 'employee_number' | 'global_location_number' | 'siren' | 'siret' | 'tax_number' | 'telephone_number' | 'business_domain_identification' | 'other_identification' — The identification in `others` to be taken into account when creating a payment with this internal account.
    - `others` object[] — The list of other organization identifications of the internal account.
      - `type` 'bank_identification' | 'central_bank_identification' | 'clearing_house_identification' | 'company_incorporation_number' | 'company_identification' | 'customer_number' | 'duns_number' | 'employee_number' | 'global_location_number' | 'siren' | 'siret' | 'tax_number' | 'telephone_number' | 'business_domain_identification' | 'other_identification', required — The type of the identification. See supported types [here](https://docs.numeral.io/reference/organization-identifications).
      - `value` string, required — The value of the identification.
  - `account_holder_id` string, uuid — The ID of the account holder to which the internal account belongs to. It must not be disabled.
  - `holder_address` CommonAddress — The address of the account holder, as an address object.
    - `line_1` string — Line 1.
    - `line_2` string — Line 2.
    - `building_number` string — Building number.
    - `street_name` string — Street name.
    - `postal_code` string — Postal / zip code.
    - `region_state` string — Region or state.
    - `city` string — City.
    - `country` string — ISO 3166 alpha-2 country code.
    - `department` string, nullable — Department name or code.
    - `sub_department` string, nullable — Sub-department name.
    - `building_name` string, nullable — Name of the building.
    - `floor` string, nullable — Floor number or identifier.
    - `postal_box` string, nullable — Postal box.
    - `room` string, nullable — Room number.
    - `city_location_name` string, nullable — Specific city location or landmark.
    - `district_name` string, nullable — District name or administrative region.
  - `bank_name` string — The name of the bank holding the account.
  - `bank_address` CommonAddress — The address of the account holder, as an address object.
    - `line_1` string — Line 1.
    - `line_2` string — Line 2.
    - `building_number` string — Building number.
    - `street_name` string — Street name.
    - `postal_code` string — Postal / zip code.
    - `region_state` string — Region or state.
    - `city` string — City.
    - `country` string — ISO 3166 alpha-2 country code.
    - `department` string, nullable — Department name or code.
    - `sub_department` string, nullable — Sub-department name.
    - `building_name` string, nullable — Name of the building.
    - `floor` string, nullable — Floor number or identifier.
    - `postal_box` string, nullable — Postal box.
    - `room` string, nullable — Room number.
    - `city_location_name` string, nullable — Specific city location or landmark.
    - `district_name` string, nullable — District name or administrative region.
  - `creditor_identifier` string — The unique reference for organisations collecting payments by SEPA Direct Debit.
  - `custom_fields` CommonCustomFields — Custom fields in JSON `key:value` format. See [Custom fields](https://docs.numeral.io/reference/custom-fields).
  - `metadata` object — Additional client data in JSON format. See [Metadata](https://docs.numeral.io/reference/metadata).
  - `cbs_source` 'mambu' — The CBS this internal account refers to. Only `mambu` is supported.
  - `cbs_account_id` string — The ID of the account in linked CBS. Must be provided if `cbs_source` is provided.
  - `cbs_account_type` 'deposit' — The type of account in linked CBS. Only `deposit` supported. Must be provided if `cbs_source` is provided.
  - `synchronized_with_bank` boolean — Whether the internal account is synchronized with the bank.
  - `generate_account_number` boolean — Whether the account number should be automatically generated by Mambu Payments. Contact your account manager to activate this feature.
  - `currencies` string[] — [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) currencies of the account.
  - `customer_bic` string — BIC of the internal account. Used for Swift correspondent payments.
  - `distinguished_name` string — Distinguished name (DN) of the internal account. Used for Swift correspondent payments.

## Response `200`

200

- InternalAccountsInternalAccount
  - `id` string, uuid, required — The UUID of the internal account.
  - `object` 'internal_account', required — The object, here `internal_account`.
  - `status` 'pending_creation' | 'creation_rejected' | 'active' | 'blocked' | 'disabled', required — The status of the internal account.
  - `connected_account_ids` unknown[]
    - unknown
  - `type` 'own' | 'virtual', required — The type of the internal account.
  - `name` string, required — The name of the internal account.
  - `account_number` string, required — The associated account number.
  - `account_number_format` 'iban' | 'uk_account_number' | 'us_account_number' | 'tokenized' | 'other' — The format of the account number.
  - `bank_code` string — The bank code of the account.
  - `bank_code_format` 'bic' | 'uk_sorting_code' | 'us_aba_routing_number' | 'tokenized' | 'other' — The format of the bank code.
  - `organization_identification` InternalAccountsOrganizationIdentification — The organization identification of the internal account. See more [here](https://docs.numeral.io/reference/organization-identifications).
    - `legal_entity_identifier` string — The legal entity identifier (LEI) of the internal account.
    - `business_identification_code` string — The business identification code of the internal account.
    - `default_other_identifier_type` 'bank_identification' | 'central_bank_identification' | 'clearing_house_identification' | 'company_incorporation_number' | 'company_identification' | 'customer_number' | 'duns_number' | 'employee_number' | 'global_location_number' | 'siren' | 'siret' | 'tax_number' | 'telephone_number' | 'business_domain_identification' | 'other_identification' — The identification in `others` to be taken into account when creating a payment with this internal account.
    - `others` object[] — The list of other organization identifications of the internal account.
      - `type` 'bank_identification' | 'central_bank_identification' | 'clearing_house_identification' | 'company_incorporation_number' | 'company_identification' | 'customer_number' | 'duns_number' | 'employee_number' | 'global_location_number' | 'siren' | 'siret' | 'tax_number' | 'telephone_number' | 'business_domain_identification' | 'other_identification', required — The type of the identification. See supported types [here](https://docs.numeral.io/reference/organization-identifications).
      - `value` string, required — The value of the identification.
  - `holder_name` string, required — The name of the holder the account belongs to.
  - `alternative_holder_names` string[] — Alternative account holder names, for instance if the account is a joint account.
  - `account_holder_id` string, uuid, nullable — The ID of the holder to which the account refers to.
  - `holder_address` CommonAddress — The address of the account holder, as an address object.
    - `line_1` string — Line 1.
    - `line_2` string — Line 2.
    - `building_number` string — Building number.
    - `street_name` string — Street name.
    - `postal_code` string — Postal / zip code.
    - `region_state` string — Region or state.
    - `city` string — City.
    - `country` string — ISO 3166 alpha-2 country code.
    - `department` string, nullable — Department name or code.
    - `sub_department` string, nullable — Sub-department name.
    - `building_name` string, nullable — Name of the building.
    - `floor` string, nullable — Floor number or identifier.
    - `postal_box` string, nullable — Postal box.
    - `room` string, nullable — Room number.
    - `city_location_name` string, nullable — Specific city location or landmark.
    - `district_name` string, nullable — District name or administrative region.
  - `bank_name` string — The name of the bank holding the account.
  - `bank_address` CommonAddress — The address of the account holder, as an address object.
    - `line_1` string — Line 1.
    - `line_2` string — Line 2.
    - `building_number` string — Building number.
    - `street_name` string — Street name.
    - `postal_code` string — Postal / zip code.
    - `region_state` string — Region or state.
    - `city` string — City.
    - `country` string — ISO 3166 alpha-2 country code.
    - `department` string, nullable — Department name or code.
    - `sub_department` string, nullable — Sub-department name.
    - `building_name` string, nullable — Name of the building.
    - `floor` string, nullable — Floor number or identifier.
    - `postal_box` string, nullable — Postal box.
    - `room` string, nullable — Room number.
    - `city_location_name` string, nullable — Specific city location or landmark.
    - `district_name` string, nullable — District name or administrative region.
  - `creditor_identifier` string — The unique reference for organisations collecting payments by SEPA Direct Debit.
  - `custom_fields` CommonCustomFields — Custom fields in JSON `key:value` format. See [Custom fields](https://docs.numeral.io/reference/custom-fields).
  - `bank_data` object
    - `message_id` string — The message ID of the internal account.
    - `file_id` string, uuid — The file ID of the internal account.
  - `metadata` object — Additional client data in JSON format. See [Metadata](https://docs.numeral.io/reference/metadata).
  - `created_at` string, date-time, required — The UTC timestamp of the creation of this internal account.
  - `cbs_source` 'mambu' — The CBS this internal account refers to. Only `mambu` is supported.
  - `cbs_account_id` string — The ID of the account in linked CBS. Must be provided if `cbs_source` is provided.
  - `cbs_account_type` 'deposit' — The type of account in linked CBS. Only `deposit` supported. Must be provided if `cbs_source` is provided.
  - `currencies` string[] — [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) currencies of the account.
  - `customer_bic` string — BIC of the internal account. Used for Swift correspondent payments.
  - `distinguished_name` string — Distinguished name (DN) of the internal account. Used for Swift correspondent payments.

## Other responses

- `400` — Validation error.
- `409` — Conflict.
- `415` — Unsupported Media Type.

---

[API](https://skmtc.net/numeral/apis/payments.md) · [All operations](https://skmtc.net/numeral/apis/payments/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/numeral/payments/revisions/220f101cc2ef/schema)