---
title: "Create Virtual IBAN"
method: POST
path: "/v3/iban/create-iban"
tags: ["IBAN"]
---

# Create Virtual IBAN

`POST /v3/iban/create-iban`

Creates a virtual IBAN for a user or the organization.

- If `customer.userId` is provided, the IBAN is created for that user
- If `customer.userId` is omitted, the IBAN is created for the organization itself.

Additional customer fields (e.g. `email`, `street`, `city`) should be passed inside the `customer` object as required by the payment method's `requiredFields` (see `GET /v3/config/payment-methods/iban`).

Supports `multipart/form-data` when document file uploads are required by the payment method.

## Headers

- `MID` string, required

## Request body

- object
  - `currency` string, required — ISO currency code for the virtual IBAN
  - `paymentCode` string, required — Payment method code (from GET /v3/config/payment-methods/iban)
  - `uiEnabled` boolean — If true, returns a UI link to complete IBAN creation instead of creating it directly via API.
  - `customer` object — Customer details. If omitted (or if `userId` is not provided), the IBAN is created for the organization. Pass any additional fields required by the payment method's `requiredFields`.
    - `userId` string — TransFi user ID (`UX-...`). If omitted, creates an org IBAN.

## Response `200`

Virtual IBAN created successfully

- object
  - `status` string
  - `message` string
  - `data` object
    - `ibanId` string
    - `iban` string
    - `bic` string
    - `currency` string
    - `status` string
    - `success` boolean
    - `data` object — Present when uriEnabled is true
      - `applicationId` string, uuid
      - `redirectUrl` string
      - `expiresAt` string, date-time
      - `expiresInDays` integer
    - `message` string

## Other responses

- `400` — Validation or configuration error
- `404` — User not found
- `500` — Internal server error

---

[API](https://skmtc.net/transfi/apis/transfi-single-integrated-api.md) · [All operations](https://skmtc.net/transfi/apis/transfi-single-integrated-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/transfi/transfi-single-integrated-api/revisions/adb1b62e58cf/schema)