---
title: "Get reference accounts of a user"
method: GET
path: "/users/{user_id}/payments/reference_accounts"
tags: ["Reference Accounts"]
---

# Get reference accounts of a user

`GET /users/{user_id}/payments/reference_accounts`

Returns the list of reference accounts of a user specified by ID.

## Query parameters

- `sort` 'id' | 'created_at'
- `order` 'ASC' | 'DESC'
- `offset` integer
- `limit` integer

## Response `200`

OK

- object
  - `meta` object, required
    - `offset` integer, required — Amount of resource to offset in the response.
    - `limit` integer, required — Total limit of the response.
    - `count` integer, required — Count of the resources returned in the response.
    - `total_count` integer, required — Total count of all the resources.
    - `sort` string — The field that the list is sorted by.
    - `order` 'ASC' | 'DESC' — The ordering of the response. * ASC - Ascending order * DESC - Descending order
  - `data` object[], required
    - `id` string, uuid, required — Reference account unique identifier.
    - `created_at` string, date-time, required — Date and time when the resource was created. [RFC 3339-5](https://datatracker.ietf.org/doc/html/rfc3339#section-5.6), [ISO8601 UTC](https://www.iso.org/iso-8601-date-and-time-format.html)
    - `updated_at` string, date-time, required — Date and time when the resource was last updated. [RFC 3339-5](https://datatracker.ietf.org/doc/html/rfc3339#section-5.6), [ISO8601 UTC](https://www.iso.org/iso-8601-date-and-time-format.html)
    - `user_id` string, uuid — User unique identifier.
    - `business_id` string, uuid — Unique identifier for the business.
    - `account_owner` string, required — Name of the reference account holder
    - `name` string, required — Human-readable name of the reference bank account
    - `iban` string, required — Obfuscated International Bank Account Number [IBAN](https://en.wikipedia.org/wiki/International_Bank_Account_Number).
    - `bic` string, required — Business Identifier Code (also known as SWIFT-BIC, BIC, SWIFT ID or SWIFT code) [ISO 9362](https://en.wikipedia.org/wiki/ISO_9362).
    - `confirmed_at` string, date-time, required — Timestamp of when user validated the reference account

## Other responses

- `400` — Bad Request. The incoming request had a malformed parameter/object.
- `401` — Unauthorized. The caller has not been authenticated.
- `403` — Forbidden. The caller has been authenticated but is not allowed to take the requested action.
- `404` — Not Found. The requested resource could not be found.
- `406` — Not Acceptable. The resource does not have a current representation that would be acceptable to the user agent. "Accept" header defined unsupported value.
- `429` — Too Many Requests. The caller has exceeded their quota for the time period and has been throttled.
- `500` — Internal Server Error. The service encountered an unexpected error.
- `503` — Service Unavailable. The service handling for this request cannot be reached at this time.
- `504` — Gateway Timeout. The service gateway has reached its internal timeout.

---

[API](https://skmtc.net/upvest/apis/upvest-investment-api.md) · [All operations](https://skmtc.net/upvest/apis/upvest-investment-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/upvest/upvest-investment-api/revisions/eb94c0091916/schema)