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Create accounts

Learn how to create account holders and balance accounts.

Before you can issue a card, you have to link the card to an account holder and an account where the card can deduct funds from. Account holders and accounts are represented by the accountHolder and balanceAccount resources in your balance platform.

In some scenarios, you might need to create multiple balance accounts for a single account holder. For example:

  • A user requests additional cards to keep separate balances for their checking and savings accounts.
  • A user requests additional cards with separate balances for their spouse or other family members.

Create an account holder

An accountHolder resource represents the user's entity within your balance platform. This account holder will need to complete Know Your Customer (KYC) verification checks before you can issue a card to them.

To create an account holder, make a POST /accountHolders request specifying:

In your request, you can also include a human-readable description which can be useful for your staff and support agents when identifying account holders.

Here is an example of how you can create an account holder.

Create an account holder
curl https://balanceplatform-api-test.adyen.com/bcl/v1/accountHolders \
-u "ws@BalancePlatform.YOUR_BALANCE_PLATFORM":"YOUR_WS_PASSWORD" \
-H "content-type: application/json" \
-d '{
  "balancePlatform": "YOUR_BALANCE_PLATFORM_ACCOUNT",
  "description":"{hint:Human-readable field for your support agents and other staff}S.Hopper - Staff 123{/hint}",
  "legalEntityId":"{hint:Unique legal entity ID. Contact our Support team to get this ID.}LE1249248458283{/hint}",
  "contactDetails":{
    "email":"s.hopper@example.com",
    "phone": {
        "number": "+315551231234",
        "type": "{hint:Mobile or Landline}Mobile{/hint}"
    },
    "address": {
      "city": "Amsterdam",
      "country": "NL",
      "street": "Brannan Street",
      "houseNumberOrName": "274",
      "postalCode": "1020CD"
    }
  }
}'

The response returns the new accountHolder resource, identified by its unique id.

Response
{
    "balancePlatform": "YOUR_BALANCE_PLATFORM_ACCOUNT",
    "contactDetails": {
        "address": {
            "city": "Amsterdam",
            "country": "NL",
            "houseNumberOrName": "274",
            "postalCode": "1020CD",
            "street": "Brannan Street"
        },
        "email": "s.hopper@example.com",
        "phone": {
            "number": "+315551231234",
            "type": "Mobile"
        }
    },
    "description": "S.Hopper - Staff 123",
    "id": "AHA1B2C3D4E5F6G7H8I9J0",
    "status": "Active"
}

After creating an account holder, you need to create a corresponding balance account to hold their funds.

Create a balance account

A balanceAccount resource holds the funds of the account holder. All transactions using an issued card are processed against the associated balance account.

To create a balance account, make a POST /balanceAccounts request specifying the accountHolderId to be associated with the balance account.

In your request, you can also include a human-readable description to help your staff differentiate between multiple balance accounts under one account holder.

Here is an example for creating a new balance account for account holder with id AHA1B2C3D4E5F6G7H8I9J0.

Create balance account
curl https://balanceplatform-api-test.adyen.com/bcl/v1/balanceAccounts \
-u "ws@BalancePlatform.YOUR_BALANCE_PLATFORM":"YOUR_WS_PASSWORD" \
-H "content-type: application/json" \
-d '{
  "accountHolderId":"AHA1B2C3D4E5F6G7H8I9J0",
  "description":"{hint:Human-readable field description}S.Hopper - Main balance account{/hint}",
}'

The response returns the balanceAccount resource, identified by its unique id. The response also includes the balances array which contains information about the account's funds.

Response
{
  "accountHolderId":"AHA1B2C3D4E5F6G7H8I9J0",
  "defaultCurrencyCode": "EUR",
  "description":"S.Hopper - Main balance account",
  "balances": [
        {
            "available": 0,
            "balance": 0,
            "currency": "EUR",
            "reserved": 0
        }
  ],
  "id":"BAB8B2C3D4E5F6G7H8D9J6GD4",
  "status":"Active"
}

The balance account will have a zero initial balance. Before a user can use their card, you need to make sure that the balance account has funds. For more information, refer to Manage funds.

Next steps

After you've created the account holder, start the KYC verification process. The account holder will still need to undergo KYC verification checks before you can enable card processing and perform payouts.