--- url: /docs/fiat/bank-accounts.md description: >- Add recipient bank accounts BlindPay pays out to, across SWIFT, ACH, wire, RTP, Pix, SPEI, ACH COP, Transfers, and SEPA rails. --- A bank account represents the recipient details BlindPay pays out to when you execute a payout. A customer can hold multiple bank accounts, and you can add bank accounts that belong to someone other than the customer. ## How it works All bank account data must be valid, even on development instances. Validation (regex, length, country rules) runs the same way regardless of instance type; only the downstream provider submission is skipped in development. ### Supported payout rails | `type` | Country | Estimated time of arrival | | --- | --- | --- | | `international_swift` | Global | ~5 business days | | `ach` | United States | ~2 business days | | `wire` | United States | ~1 business day | | `rtp` | United States | instant | | `pix` | Brazil | instant | | `spei_bitso` | Mexico | instant | | `ach_cop_bitso` | Colombia | ~1 business day | | `transfers_bitso` | Argentina | instant | | `sepa` | Europe (SEPA zone) | ~1 business day | ### Required fields per type | Type | Required fields | Notes | | --- | --- | --- | | `international_swift` | `name`, `account_class`, `recipient_relationship`, `swift_code_bic`, `swift_account_holder_name`, `swift_account_number_iban`, full beneficiary address, full bank address | See International SWIFT rules below | | `ach` | `name`, `recipient_relationship`, `beneficiary_name`, `routing_number`, `account_number`, `account_type`, `account_class`, `address_line_1`, `city`, `state_province_region`, `country`, `postal_code` | Blocked for `light` KYC customers | | `wire` | Same as `ach` | Blocked for `light` KYC customers | | `rtp` | Same as `wire` | `routing_number` must be RTP-eligible. Blocked for `light` KYC customers | | `pix` | `name`, `pix_key` | `pix_key` can be a CPF, CNPJ, phone, email, or random key | | `spei_bitso` | `name`, `spei_protocol`, `spei_clabe`, `beneficiary_name` | `spei_institution_code` required for `debitcard`/`phonenum` protocols | | `ach_cop_bitso` | `name`, `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`, `account_type` | | | `transfers_bitso` | `name`, `transfers_type`, `transfers_account`, `beneficiary_name` | `transfers_type` is `CVU`, `CBU`, or `ALIAS` | | `sepa` | `name`, `account_class`, `sepa_iban`, `sepa_beneficiary_bic`, `sepa_beneficiary_legal_name`, `sepa_beneficiary_address_line_1`, `sepa_beneficiary_city`, `sepa_beneficiary_postal_code`, `sepa_beneficiary_country` | The IBAN's country code must match `sepa_beneficiary_country`. Some destinations are individual-only; see [Payment methods](/kb/payment-methods#sepa-destinations) | `account_type` is `checking` or `saving`. `account_class` is `individual` or `business`. `recipient_relationship` accepts `first_party`, `employee`, `independent_contractor`, `vendor_or_supplier`, `subsidiary_or_affiliate`, `merchant_or_partner`, `customer`, `landlord`, `family`, or `other`. ## Prerequisites You also need a [customer](/fiat/) who has completed KYC. ## Add a bank account ```bash [🌎 International SWIFT] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "type": "international_swift", "name": "Display Name", "account_class": "business", "swift_code_bic": "EXAMPLECHXXX", "swift_account_holder_name": "Example Beneficiary GmbH", "swift_account_number_iban": "CH4008735681787160333", "swift_beneficiary_address_line_1": "75 Example Strasse", "swift_beneficiary_country": "CN", "swift_beneficiary_city": "ZUG", "swift_beneficiary_state_province_region": "ZG", "swift_beneficiary_postal_code": "8008", "swift_bank_name": "Example Bank, N.A.", "swift_bank_address_line_1": "18-20 Example Lane", "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" }' ``` ```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_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "type": "ach", "name": "Display Name", "beneficiary_name": "Jane Doe", "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_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "type": "wire", "name": "Display Name", "beneficiary_name": "JANE DOE", "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_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "type": "rtp", "name": "Display Name", "beneficiary_name": "JANE DOE", "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_API_KEY' \ --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_API_KEY' \ --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_API_KEY' \ --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_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "type": "transfers_bitso", "name": "Display Name", "beneficiary_name": "", "transfers_type": "", "transfers_account": "" }' ``` ```bash [πŸ‡ͺπŸ‡Ί SEPA] curl --request POST \ --url https://api.blindpay.com/v1/instances/in_000000000000/customers/re_000000000000/bank-accounts \ --header 'Authorization: Bearer YOUR_API_KEY' \ --header 'Content-Type: application/json' \ --data '{ "type": "sepa", "name": "Display Name", "account_class": "individual", "sepa_iban": "DE89370400440532013000", "sepa_beneficiary_bic": "COBADEFFXXX", "sepa_beneficiary_legal_name": "", "sepa_beneficiary_address_line_1": "", "sepa_beneficiary_city": "", "sepa_beneficiary_postal_code": "", "sepa_beneficiary_country": "DE" }' ``` Save the bank account ID (`ba_...`) for use in payout quotes. ## International SWIFT rules International SWIFT accounts have extra country-conditional required fields. **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 (for example, CPF for Brazil, SSN for the US). It is validated and formatted 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. ## Response fields The response includes the bank account `id` (`ba_...`), `type`, and the fields you submitted. `account_number` is masked in responses, showing only the last 4 digits. ## Related * [Pay out to bank](/fiat/send): create a payout quote and execute a payout to this bank account * [Payout quotes](/fiat/payout-quotes): lock the rate and fee before paying out * [Virtual accounts](/fiat/virtual-accounts): a customer's dedicated deposit account * [Cut-off times](/kb/cut-off-times): settlement windows by payment rail * [Webhooks](/learn/webhooks): `bankAccount.new` fires on create