--- title: Bank Accounts description: Recipient bank account details where BlindPay sends the fiat payment when a payout is started. --- ## What it is A bank account represents the recipient information to which BlindPay sends the fiat payment when a payout is started. You can add multiple bank accounts to each customer. ::c-alert{icon="circle-info"} You are allowed to add **third-party bank accounts**, which means you can create a customer "John" and add a bank account from "Jack". :: ## How it works All data required to create a bank account **should be valid**, even for `development` instances. ### Payment rails | Type | Country | Estimated time of arrival | | ------------------- | ---------------- | ------------------------- | | international_swift | 🌎 Global | ~5 business days | | ach | πŸ‡ΊπŸ‡Έ United States | ~2 business days | | wire | πŸ‡ΊπŸ‡Έ United States | ~1 business day | | rtp | πŸ‡ΊπŸ‡Έ United States | instant | | pix | πŸ‡§πŸ‡· Brazil | instant | | spei_bitso | πŸ‡²πŸ‡½ Mexico | instant | | ach_cop_bitso | πŸ‡¨πŸ‡΄ Colombia | ~1 business day | | transfers_bitso | πŸ‡¦πŸ‡· Argentina | instant | ::c-alert{icon="circle-info"} High transaction volumes may affect BlindPay's estimated payout delivery times. :: ## Prerequisites ::c-prerequisites :: You must also [create a customer](/docs/essentials/customers#create-a-customer) before adding a bank account. ## Add a bank account ::c-auth-note{customer} :: ::c-code-group ```bash [🌎 International Swift] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \ --header 'Content-Type: application/json' \ --data '{ "type": "international_swift", "name": "Display Name", "account_class": "business", "swift_code_bic": "BARCCHGGXXX", "swift_account_holder_name": "AMICORP SHARED SERVICE CENTER GMBH", "swift_account_number_iban": "CH4008735681787160333", "swift_beneficiary_address_line_1": "75 BAARERSTRASSE", "swift_beneficiary_country": "CN", "swift_beneficiary_city": "ZUG", "swift_beneficiary_state_province_region": "ZG", "swift_beneficiary_postal_code": "8008", "swift_bank_name": "BARCLAYS BANK SUISSE SA", "swift_bank_address_line_1": "BARCLAYS BANK 18-20 CHEMIN DE GRANGE-CANAL", "swift_bank_address_line_2": "PO BOX 3941", "swift_bank_country": "CN", "swift_bank_city": "GENEVA", "swift_bank_state_province_region": "GE", "swift_bank_postal_code": "1221", "recipient_relationship": "vendor_or_supplier", "swift_payment_code": "cn_swift_cgoddr" }' ``` :: ### International SWIFT rules **Business accounts** - `business_industry` (NAICS code) is **required** when the customer or account class is `"business"`. **Individual customers** - `tax_id` must be the **local tax ID** for the beneficiary's country (e.g. CPF for Brazil, SSN for the US). The system validates and formats it per country where required. **Phone number** - `phone_number` is **required** when the beneficiary's country is one of: **BR, CN, CO, HK, MY, MX, PH, UG, UY**. **Tax ID** - `tax_id` is **required** when the beneficiary's country is one of: **AR, BY, BR, CL, CN, CO, CR, EC, GT, HN, JP, KZ, KR, MX, PK, PE, PH, RU, TH, UY**. ::c-code-group ```bash [πŸ‡ΊπŸ‡Έ ACH] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \ --header 'Content-Type: application/json' \ --data '{ "type": "ach", "name": "Display Name", "beneficiary_name": "Bernardo Simonassi Moura", "routing_number": "121000358", "account_number": "3211237578", "account_type": "checking", "account_class": "individual", "address_line_1": "Rua Jose Pena Medina, 150", "address_line_2": "Apt 902", "city": "Vila Velha", "state_province_region": "ES", "country": "BR", "postal_code": "29101320", "recipient_relationship": "first_party" }' ``` ```bash [πŸ‡ΊπŸ‡Έ Wire] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \ --header 'Content-Type: application/json' \ --data '{ "type": "wire", "name": "Display Name", "beneficiary_name": "BERNARDO SIMONASSI MOURA", "routing_number": "026073008", "account_number": "8211239565", "account_class": "individual", "address_line_1": "5 Penn Plaza", "city": "NY", "state_province_region": "NY", "country": "US", "postal_code": "10001", "recipient_relationship": "first_party" }' ``` ```bash [πŸ‡ΊπŸ‡Έ RTP] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \ --header 'Content-Type: application/json' \ --data '{ "type": "rtp", "name": "Display Name", "beneficiary_name": "BERNARDO SIMONASSI MOURA", "routing_number": "026073008", "account_number": "8211239565", "account_class": "individual", "address_line_1": "5 Penn Plaza", "city": "NY", "state_province_region": "NY", "country": "US", "postal_code": "10001", "recipient_relationship": "first_party" }' ``` ```bash [πŸ‡§πŸ‡· Pix] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \ --header 'Content-Type: application/json' \ --data '{ "type": "pix", "name": "Display Name", "pix_key": "" }' ``` ```bash [πŸ‡²πŸ‡½ SPEI] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \ --header 'Content-Type: application/json' \ --data '{ "type": "spei_bitso", "name": "Display Name", "beneficiary_name": "", "spei_protocol": "", "spei_institution_code": "", "spei_clabe": "" }' ``` ```bash [πŸ‡¨πŸ‡΄ ACH COP] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \ --header 'Content-Type: application/json' \ --data '{ "type": "ach_cop_bitso", "name": "Display Name", "account_type": "checking", "ach_cop_beneficiary_first_name": "", "ach_cop_beneficiary_last_name": "", "ach_cop_document_id": "", "ach_cop_document_type": "", "ach_cop_email": "", "ach_cop_bank_code": "", "ach_cop_bank_account": "" }' ``` ```bash [πŸ‡¦πŸ‡· Transfers 3.0] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_SECRET_TOKEN' \ --header 'Content-Type: application/json' \ --data '{ "type": "transfers_bitso", "name": "Display Name", "beneficiary_name": "", "transfers_type": "", "transfers_account": "" }' ``` :: ## Related - [Customers](/docs/essentials/customers) Β· [Virtual Accounts](/docs/essentials/virtual-accounts) Β· [Payouts](/docs/essentials/payouts)