Create Sender Account

post

https://sandbox-api.readyremit.com/v1/accounts

The POST /accounts endpoint creates a sender's account. The accountId returned by this endpoint is the source account identifier (sourceAccountId) referenced when creating an account funding transaction or an account funding (AFT) transfer.

Implementation Guide:

Field Requirements: The fields required to create an account are dynamic and depend on the accountType, country, and currency. Retrieve the current field requirements from the GET /account-fields endpoint before building the request. For a CARD account this set includes CARD_ID.
Prerequisite (CARD): For a CARD account, create a card first using POST /cards and pass its id as the CARD_ID field value.
Account Holder: Set accountHolderId to the sender's identifier. It must belong to the authenticated sender.
Enriched Fields: For CARD accounts, the response fields array is enriched with additional card-derived details (such as the masked payment account number, card brand, issuer, and expiration date).

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Body Params

accountHolderId

uuid

required

The unique identifier of the account holder (the sender) who will own this account. It must belong to the authenticated sender. Example: "fc19faf4-8381-4848-8509-4f46a7a3ea03"

countryIso3Code

string

required

^[A-Z]{3}$

The ISO 3166-1 alpha-3 code of the account's country. Example: "USA"

currencyIso3Code

string

required

^[A-Z]{3}$

The ISO 4217 code of the account's currency. Example: "USD"

accountType

string

enum

required

The type of account being created. For account funding, use CARD. Example: "CARD"

Allowed:

name

string

Optional friendly name for the account. For CARD accounts, the cardholder name is used when this value is not provided. Example: "Ole Adriana Tillman"

fields

array of objects

required

A list of dynamic fields required to create the account. The required fields depend on the accountType, country, and currency, and can be retrieved from the GET /account-fields endpoint. For a CARD account, this collection must include the CARD_ID field, whose value is the id returned by POST /cards.

fields*

Responses

201The sender account was successfully created.

400The request was invalid. This response occurs when required fields are missing or invalid, when the country/currency is not a valid corridor, or when the supplied card is not found or already in use by another account.

401The request requires user authentication. This response occurs if the authentication token is missing or invalid.

403The request was valid, but the server is refusing action. This response occurs if the accountHolderId does not belong to the authenticated sender, or if the supplied card belongs to a different entity.

404The account could not be created because a referenced resource was not found, such as an accountHolderId that does not match an existing sender or a CARD_ID that does not match an existing card.