Add Bank Account to Recipient

post

https://api.1money.com/v1/customers/{customer_id}/recipients/{recipient_id}/bank_accounts

Add a new bank account to an existing recipient.

⚠️ Important: Accurate Account Holder Information Required

The account_holder_name must exactly match the name registered with the bank
Ensure all bank account details (account number, routing number, SWIFT code, etc.) are accurate
Incorrect or mismatched information may result in failed, delayed, or returned transfers
The bank may reject transfers if the beneficiary name does not match their records

Functionality:

Registers a bank account that can be used for fiat withdrawals to this recipient
Supports US Fedwire, US ACH, and SWIFT international wires (US RTP is not supported for recipients)
Automatically assigns a unique bank_account_id upon successful creation

Status:

Bank account is created with PENDING status
Status changes to APPROVED after vendor approval (async process)
Status changes to FAILED if vendor rejects the account
Subscribe to external_account.approved and external_account.failed webhooks for status updates

Idempotency & Duplicate Detection:

Required: Include an Idempotency-Key header with a unique UUID

Recent Requests

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Path Params

customer_id

string

required

Unique identifier of the customer

recipient_id

string

required

Unique identifier of the recipient

Body Params

Request body for creating a new external bank account

network

string

required

Bank network type for the external account. External account creation
supports standard bank networks only.

US_FEDWIRE: For US domestic wire transfers (same-day settlement)
US_ACH: For US domestic ACH transfers (next-day settlement, lower fees)
US_RTP: For US real-time payments (instant settlement)
SWIFT: For international wire transfers via the SWIFT network

nickname

string | null

User-defined nickname or label for the account (optional).
Helps identify the account in listings. Must be 1-64 characters if provided.

account_holder_name

string

required

Full legal name of the account holder (individual or entity).
This is the name registered with the bank for compliance and verification.

currency

string

required

Currency of the bank account (e.g., USD, EUR, GBP).
Must be supported by the selected network type.

country_code

string

enum

required

ISO 3166-1 alpha-3 three-letter country code in uppercase (e.g., USA, GBR, DEU).
Represents the country where the bank account is held. Must be exactly 3 characters.

account_number

string

required

The bank account identifier.

For US domestic networks (FEDWIRE/ACH/RTP): Standard bank account number
For SWIFT international wires with USD: Must be a valid IBAN
For SWIFT with other currencies: Local account number format

institution_id

string

required

The primary institution routing identifier.

For US domestic networks (FEDWIRE/ACH/RTP): 9-digit ABA routing number
For SWIFT international wires: 8 or 11-character SWIFT/BIC code of the destination bank

institution_clearing_code

string | null

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

Responses

201Bank account added successfully

400Validation failed - Invalid request body

401Authentication failed

404Recipient not found

405Method not allowed

409Conflict - Account with same idempotency key already exists

500Internal server error