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Create virtual bank accounts instantly for your customers. This guide covers the account creation process and how to retrieve account details.

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Creating a Virtual Account

Create a virtual account for a customer: 
curl -X POST https://api.platnova.com/v1/virtual-accounts/create \
  -H "X-API-KEY: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "customer_id": "customer_123",
    "currency": "USD"
  }'

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Account Creation Parameters

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Required Fields

  • Customer ID - The ID of the customer who will own the account
  • Currency - The currency for the account (USD, NGN, etc.)

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Optional Fields

  • Account Type - Current or savings account (defaults based on currency)
  • Account Name - Custom account name (defaults to customer name)

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Account Response

{
  "status": true,
  "data": {
    "id": "va_123",
    "customer_id": "customer_456",
    "account_number": "1234567890",
    "account_name": "John Doe",
    "bank_name": "Platnova Bank",
    "bank_code": "123",
    "currency": "USD",
    "routing_numbers": {
      "ach": "123456789",
      "rtp": "987654321",
      "wire": "111222333"
    },
    "swift_code": "PLATUS33",
    "status": "active",
    "created_at": "2025-01-30T10:00:00Z"
  },
  "message": "Virtual account created successfully"
}

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Account Details

Each virtual account includes complete bank account information:

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Account Information

  • Account Number - The bank account number for receiving payments
  • Account Name - Name associated with the account
  • Bank Name - Name of the bank
  • Bank Code - Bank identification code

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Routing Information (USD Accounts)

  • ACH Routing Number - For ACH transfers
  • RTP Routing Number - For real-time payments
  • Wire Routing Number - For wire transfers

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International Transfers

  • SWIFT Code - For international wire transfers

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Account Types

Virtual accounts support different account types depending on the currency:
  • Current Account - Standard checking account
  • Savings Account - Interest-bearing account
The account type is determined automatically based on currency and provider capabilities.

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Multiple Accounts

Customers can have multiple virtual accounts in different currencies. Each account operates independently with its own account number and routing information.

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Listing Accounts

View all virtual accounts: 
curl -X GET https://api.platnova.com/v1/virtual-accounts \
  -H "X-API-KEY: YOUR_API_KEY"
Filter by customer or currency as needed.

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Best Practices

  • Create accounts in the currencies your customers need
  • Store account details securely
  • Share account information with customers securely
  • Monitor account activity regularly

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Next Steps