---
title: "Create Account"
method: POST
path: "/accounts"
---

# Create Account

`POST /accounts`

Create an account for an individual or corporate.

## Headers

- `idempotency-key` string

## Request body

- object
  - `currency` string, required — Three-letter [ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) currency code indicating the currency in which the account will be opened. This determines the denomination of all transactions on the account. e.g. `EUR`
  - `friendlyName` string — A user-friendly label to help you identify this account within your environment or dashboard. This field is for display purposes only and does not affect the legal or operational status of the account. e.g. `Billing Account`
  - `accountId` string — Only applicable to Multi Currency accounts. The unique identifier of an existing account to which this new account should be linked. When provided, the new account will be created with the same IBAN as the referenced account, but denominated in the new currency.
  - `ibanCountry` string — Required when opening a EUR account on the [UK platform](https://secure.openpayd.com/); must be set to `MT`. For FR-prefixed IBANs, please refer to the [Allowed Countries for FR IBAN Accounts](https://apidocs.openpayd.com/reference/allowed-countries-for-fr-accounts-of-the-linked-clients) page.
  - `endToEndReference` string — A unique reference used to track or reconcile the account creation request across systems. This can be useful for correlating API calls, internal workflows, or audit trails.

## Response `201`

201

- object
  - `id` string
  - `createdOn` string
  - `status` string
  - `actualBalance` object
    - `value` integer
    - `currency` string
  - `availableBalance` object
    - `value` integer
    - `currency` string
  - `friendlyName` string
  - `master` boolean
  - `primary` boolean
  - `accountHolderId` string
  - `transactionCategory` string
  - `accountHolderType` unknown
  - `mobileNumber` unknown
  - `supportMccy` boolean
  - `internalAccountId` string

---

[API](https://skmtc.net/openpayd/apis/openpayd-authorization.md) · [All operations](https://skmtc.net/openpayd/apis/openpayd-authorization/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/openpayd/openpayd-authorization/versions/354ac572abda/schema)