> ## Documentation Index > Fetch the complete documentation index at: https://docs.platnova.com/llms.txt > Use this file to discover all available pages before exploring further. # Create Virtual Account > Create a virtual bank account for a customer in the specified currency. Requires customer_id and currency. For NGN, id_number (BVN) may be required. ## Overview Create a virtual account for a customer. Virtual accounts allow customers to receive payments directly into their account. This endpoint creates a bank account that can be used for receiving funds. To generate USD virtual accounts, ensure a default USD settlement wallet is set on your [dashboard settings](https://business.platnova.com/settings?section=settlements). This wallet will be billed for USD account creation fees if applicable. For NGN virtual accounts, you can optionally specify an `id_number` parameter in the request body, which corresponds to a valid BVN. ## OpenAPI ````yaml POST /v1/virtual-accounts/create openapi: 3.1.0 info: title: API version: 1.0.0 description: >- Platnova's Business API allows businesses to issue virtual accounts and cards to their employees, vendors, or retail customers. It allows businesses to streamline the process of issuing cards, manage spending, and track transactions. The API documentation provides information on how to integrate our virtual card issuing system into a business's existing systems and outlines the features and functionalities of the API, including card and account creation, management, and reporting. It also provides technical specifications, such as API requests, responses, and authentication processes. The API documentation is intended for developers and IT teams to use in order to effectively implement Platnova solutions into their business processes. # Authentication/Authorization To access any of the resources on the `{BaseUrl}/v1/`, the client has to pass pre-defined headers for authentication and authorization. The API is secure and only authorized clients can consume the service. There are API keys assigned to every business and JWT tokens assigned to every account for authentication/authorization. ## Bearer Token Requests may accept jwt tokens as below. ``` json Authorization: Bearer ``` ## API Key Requests may acccept an api key either in the request headers or as a query parameter. Some requests cannot be authorized using an API key. ``` json X-API-KEY: ``` OR ``` json ?api-key= ``` # Base URL [https://sandbox.api.platnova.co](https://sandbox.api.platnova.co) # Errors Unauthorized API key ``` json { "status": false, "data": {}, "error": [], "message": "unauthorized access" } ``` Permission Denied ``` json { "status": false, "data": {}, "error": [], "message": "unauthorized access: permission denied" } ``` servers: - url: https://api.platnova.com description: Production server - url: https://sandbox.api.platnova.co description: Development server security: - apiKeyAuth: [] tags: - name: Customer description: Create and manage customers - name: Virtual Account description: Create and manage virtual accounts - name: Card description: Create and manage cards - name: Wallet description: List and manage wallets - name: Payment description: Send and verify payments - name: Transaction description: List transactions and generate receipts - name: Checkout description: Create and retrieve checkout sessions - name: Payment Link description: Create and manage payment links - name: Invoice description: Create and manage invoices paths: /v1/virtual-accounts/create: post: tags: - Virtual Account summary: Create virtual account (customer) description: >- Create a virtual bank account for a customer in the specified currency. Requires customer_id and currency. For NGN, id_number (BVN) may be required. operationId: createUserVirtualAccount requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateUserVirtualAccountRequest' example: currency: NGN customer_id: 43a2b75e-5c59-429e-872a-2a54c7b17e34 id_number: '22123456789' codes: - '058' responses: '200': description: Virtual account created successfully content: application/json: schema: type: object properties: status: type: boolean data: type: object properties: customer_id: type: string reference: type: string currency: type: string email: type: string format: email first_name: type: string last_name: type: string created_on: type: string format: date-time accounts: type: array items: type: object properties: account_number: type: string account_name: type: string bank_name: type: string bank_code: type: string ach_routing_number: type: string rtp_routing_number: type: string wire_routing_number: type: string swift_code: type: string bank_address: type: string error: type: array items: {} message: type: string '400': description: Bad request (e.g. customer not found, account already exists) content: application/json: schema: $ref: '#/components/schemas/Error' components: schemas: CreateUserVirtualAccountRequest: type: object required: - currency - customer_id properties: currency: type: string description: Account currency (e.g. USD, NGN) customer_id: type: string description: Customer ID id_number: type: string description: BVN for NGN accounts codes: type: array items: type: string description: Bank codes Error: type: object properties: status: type: boolean data: type: object error: type: array items: {} message: type: string description: Error message securitySchemes: apiKeyAuth: type: apiKey in: header name: X-API-KEY description: API key for authentication. ````