Create a multi-currency bank account

Request a multi-currency receiving account for a customer you’ve already created on Reeple. The issued account belongs to your customer, while your business remains the merchant account managing the relationship and receiving the collection events tied to that customer.

Endpoint

POST https://api-v3.reeple.ai/accounts/generate/mcy

Currency support

Currency	Supported
`USD`	Yes
`EUR`	Yes
`GBP`	Yes

Availability can still depend on which providers and rails are enabled for your business.

Account issuance is asynchronous. A successful API response means the request was accepted, not that the account is active yet — see Issuance lifecycle below.

Request body

Field	Type	Description
`customerId`	String (UUID)	Required. The Reeple customer ID to issue the account to.
`currency`	String	Required. `USD`, `EUR`, or `GBP`.
`utilityBill`	String (URL)	Required. URL to the customer’s utility bill or proof of address.
`incomeBand`	String	Required. Customer’s income range.
`sourceOfIncome`	String	Required. Customer’s source of income.
`accountDesignation`	String	Required. Intended purpose of the account.
`occupation`	String	Required. Customer’s occupation.
`employmentStatus`	String	Required. Customer’s employment status.
`reference`	String	Optional. Your own reference for the request.
`additionalIdType`	Enum	Required for the customer’s first non-NGN account. `PASSPORT`, `DRIVER_LICENSE`, or `RESIDENT_CARD`. Not needed on subsequent requests.
`additionalIdNumber`	String	Required for the customer’s first non-NGN account. The secondary ID’s document number.
`additionalIdDocument`	String (URL)	Required for the customer’s first non-NGN account. URL to the secondary ID document.
`additionalIdIssueDate`	String	Required for the customer’s first non-NGN account. `YYYY-MM-DD`.
`additionalIdExpiryDate`	String	Required for the customer’s first non-NGN account. `YYYY-MM-DD`.

Important rules

A customer can only have one active account per currency.
If a request for the same customer and currency is already processing, a new one may be rejected until the earlier one completes or fails.

{
  "utilityBill": "https://s3.aws.amazon.com/document/utilityBill.pdf",
  "incomeBand": "$20,000 - $50,000",
  "sourceOfIncome": "Salary",
  "accountDesignation": "Savings",
  "occupation": "Software Engineer",
  "employmentStatus": "Employed",
  "customerId": "123e4567-e89b-12d3-a456-426614174000",
  "reference": "optional-reference-123",
  "currency": "GBP",
  "additionalIdType": "PASSPORT",
  "additionalIdNumber": "A12345678",
  "additionalIdDocument": "https://s3.aws.amazon.com/document/passport.pdf",
  "additionalIdIssueDate": "2020-01-15",
  "additionalIdExpiryDate": "2030-01-14"
}

Initial response

A successful submission means the request was accepted for processing, not that the account is active yet.

{
  "success": true,
  "statusCode": 201,
  "message": "Bank account creation is processing..",
  "data": {
    "id": "d88343f6-f1c2-4e04-a74c-39c7add0c1f8",
    "type": "CUSTOMER",
    "accountId": "d88343f6-f1c2-4e04-8762-39c7add0c1f8",
    "currency": "GBP",
    "isVirtual": true,
    "businessId": "0bb1dfc6-a74c-4e53-b41a-4a0c1eab188e",
    "reference": "shsi29wns02j9whdhnw012bd9dh2w",
    "customerId": "0bb1dfc6-a74c-a74c-8762-39c7add0c1f8",
    "status": "INACTIVE"
  }
}

Save the returned id — you’ll need it to track the issuance lifecycle.

Issuance lifecycle

A request can move through these states:

INACTIVE — the request was created and is still being processed
ACTIVE — the account was issued and is ready to receive funds
DECLINED — the request didn’t pass verification or issuance checks

Depending on the compliance and provider checks required for that customer, there can be a delay between the initial API response and final issuance.

Common errors

Status	Meaning
`400`	The customer already has an active bank account in that currency
`400`	There’s already a pending account request for that customer and currency
`404`	The supplied customer couldn’t be found

Get Started

Bank Accounts

Bill Payments

Collections

Compliance

Customer

External Services

Gift Cards

Payment Links

Payouts

Refunds

S2S Payments

Transactions

Tuition

Create a multi-currency bank account

Endpoint

Currency support

Request body

Important rules

Initial response

Issuance lifecycle

Common errors

​Endpoint

​Currency support

​Request body

​Important rules

​Initial response

​Issuance lifecycle

​Common errors

Endpoint

Currency support

Request body

Important rules

Initial response

Issuance lifecycle

Common errors