---
title: "Create or retrieve funding instructions for a customer cash balance"
method: POST
path: "/v1/customers/{customer}/funding_instructions"
---

# Create or retrieve funding instructions for a customer cash balance

`POST /v1/customers/{customer}/funding_instructions`

Retrieve funding instructions for a customer cash balance. If funding instructions do not yet exist for the customer, new funding instructions will be created. If funding instructions have already been created for a given customer, the same funding instructions will be retrieved. In other words, we will return the same funding instructions each time.

## Path parameters

- `customer` string, required

## Response `200`

Successful response.

- FundingInstructions — Each customer has a [`balance`](https://docs.stripe.com/api/customers/object#customer_object-balance) that is automatically applied to future invoices and payments using the `customer_balance` payment method. Customers can fund this balance by initiating a bank transfer to any account in the `financial_addresses` field. Related guide: [Customer balance funding instructions](https://docs.stripe.com/payments/customer-balance/funding-instructions)
  - `bank_transfer` FundingInstructionsBankTransfer, required
    - `country` string, required — The country of the bank account to fund
    - `financial_addresses` FundingInstructionsBankTransferFinancialAddress[], required — A list of financial addresses that can be used to fund a particular balance
      - `aba` FundingInstructionsBankTransferAbaRecord — ABA Records contain U.S. bank account details per the ABA format.
        - `account_holder_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `account_holder_name` string, required — The account holder name
        - `account_number` string, required — The ABA account number
        - `account_type` string, required — The account type
        - `bank_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `bank_name` string, required — The bank name
        - `routing_number` string, required — The ABA routing number
      - `iban` FundingInstructionsBankTransferIbanRecord — Iban Records contain E.U. bank account details per the SEPA format.
        - `account_holder_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `account_holder_name` string, required — The name of the person or business that owns the bank account
        - `bank_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `bic` string, required — The BIC/SWIFT code of the account.
        - `country` string, required — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
        - `iban` string, required — The IBAN of the account.
      - `sort_code` FundingInstructionsBankTransferSortCodeRecord — Sort Code Records contain U.K. bank account details per the sort code format.
        - `account_holder_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `account_holder_name` string, required — The name of the person or business that owns the bank account
        - `account_number` string, required — The account number
        - `bank_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `sort_code` string, required — The six-digit sort code
      - `spei` FundingInstructionsBankTransferSpeiRecord — SPEI Records contain Mexico bank account details per the SPEI format.
        - `account_holder_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `account_holder_name` string, required — The account holder name
        - `bank_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `bank_code` string, required — The three-digit bank code
        - `bank_name` string, required — The short banking institution name
        - `clabe` string, required — The CLABE number
      - `supported_networks` string[] — The payment networks supported by this FinancialAddress
      - `swift` FundingInstructionsBankTransferSwiftRecord — SWIFT Records contain U.S. bank account details per the SWIFT format.
        - `account_holder_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `account_holder_name` string, required — The account holder name
        - `account_number` string, required — The account number
        - `account_type` string, required — The account type
        - `bank_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `bank_name` string, required — The bank name
        - `swift_code` string, required — The SWIFT code
      - `type` 'aba' | 'iban' | 'sort_code' | 'spei' | 'swift' | 'zengin', required — The type of financial address
      - `zengin` FundingInstructionsBankTransferZenginRecord — Zengin Records contain Japan bank account details per the Zengin format.
        - `account_holder_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `account_holder_name` string, nullable — The account holder name
        - `account_number` string, nullable — The account number
        - `account_type` string, nullable — The bank account type. In Japan, this can only be `futsu` or `toza`.
        - `bank_address` Address, required
          - `city` string, nullable — City, district, suburb, town, or village.
          - `country` string, nullable — Two-letter country code ([ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2)).
          - `line1` string, nullable — Address line 1, such as the street, PO Box, or company name.
          - `line2` string, nullable — Address line 2, such as the apartment, suite, unit, or building.
          - `postal_code` string, nullable — ZIP or postal code.
          - `state` string, nullable — State, county, province, or region ([ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2)).
        - `bank_code` string, nullable — The bank code of the account
        - `bank_name` string, nullable — The bank name of the account
        - `branch_code` string, nullable — The branch code of the account
        - `branch_name` string, nullable — The branch name of the account
    - `type` 'eu_bank_transfer' | 'jp_bank_transfer', required — The bank_transfer type
  - `currency` string, required — Three-letter [ISO currency code](https://www.iso.org/iso-4217-currency-codes.html), in lowercase. Must be a [supported currency](https://stripe.com/docs/currencies).
  - `funding_type` 'bank_transfer', required — The `funding_type` of the returned instructions
  - `livemode` boolean, required — If the object exists in live mode, the value is `true`. If the object exists in test mode, the value is `false`.
  - `object` 'funding_instructions', required — String representing the object's type. Objects of the same type share the same value.

## Other responses

- `default` — Error response.

---

[API](https://skmtc.net/stripe/apis/spec3.md) · [All operations](https://skmtc.net/stripe/apis/spec3/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/stripe/spec3/revisions/3653ad45bbec/schema)