External Accounts

Register a customer’s bank account (an “external account”) to enable fiat withdrawals from a specific portfolio. Supports US Fedwire, US ACH, and SWIFT international wires. A unique external_account_id is assigned on success.

HTTP Request

POST
https://sandbox-api.1money.com/v1/portfolios/{portfolio_id}/external-accounts

Path Parameters

Parameter	Type	Description
`portfolio_id`	string	UUID of the portfolio that will own the external account

Headers

Header	Description
`X-Api-Key`	Your API key (required)
`Content-Type`	`application/json` (required)
`Idempotency-Key`	UUIDv4, required for all POSTs (safe retries within 24 hours)

Reusing the same key after 24h may result in 409 Conflict.
You can also retrieve results by idempotency key using the GET method.

Request Body

{
  "network": "US_FEDWIRE",
  "holder_name": "TechStart Holdings LLC",
  "currency": "USD",
  "country_code": "USA",
  "account_number": "4447891623",
  "institution_id": "021000021",
  "institution_name": "JPMorgan Chase Bank, N.A."
}

Field	Type	Required	Description
`network`	string	Yes	Payment network: `US_FEDWIRE`, `US_ACH`, or `SWIFT`
`holder_name`	string	Yes	Account holder name
`currency`	string	Yes	Currency code (e.g. `USD`)
`country_code`	string	Yes	Country code in ISO3 format
`account_number`	string	Yes	Account number of the bank account
`institution_id`	string	Yes	Routing number, BIC, or equivalent institution identifier
`institution_name`	string	Yes	Name of the financial institution

Additional fields might be required:

institution_clearing_code: Additional local or regional routing codes required by specific payment networks or countries. Examples: Sort codes (UK), BSB numbers (Australia), transit numbers (Canada). Optional field used when standard institution_id is insufficient for routing.
intermediary_bank: Required for some international wire transfers when the destination bank does not have a direct correspondent relationship with the originating bank. Most commonly needed for USD international wires.
nickname: Can be used to present to the user for easier identification

Responses

Status	Description
201 Created	External account successfully created; returns `external_account_id`
400 Bad Request	Invalid or missing fields
409 Conflict	Idempotency key reused outside the 24-hour window