> ## 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.

# Creating Accounts

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

## Creating a Virtual Account

Create a virtual account for a customer:

```bash theme={null}
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"
  }'
```

## Account Creation Parameters

### Required Fields

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

### Optional Fields

* **Account Type** - Current or savings account (defaults based on currency)
* **Account Name** - Custom account name (defaults to customer name)
* **Codes** - For NGN accounts, an array of provider bank codes used to select which provider issues the account (see [Choosing a Provider](#choosing-a-provider-ngn-accounts) below)

## Choosing a Provider (NGN Accounts)

For NGN virtual accounts, you can select which provider issues the account by passing its bank code in the `codes` field:

| Provider | Bank Code |
| -------- | --------- |
| Palmpay  | `100033`  |
| Paga     | `100002`  |

```bash theme={null}
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": "NGN",
    "id_number": "22123456789",
    "codes": ["100033"]
  }'
```

## Account Response

```json theme={null}
{
  "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"
}
```

## Account Details

Each virtual account includes complete bank account information:

### 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

### Routing Information (USD Accounts)

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

### International Transfers

* **SWIFT Code** - For international wire transfers

## 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.

## Multiple Accounts

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

## Listing Accounts

View all virtual accounts:

```bash theme={null}
curl -X GET https://api.platnova.com/v1/virtual-accounts \
  -H "X-API-KEY: YOUR_API_KEY"
```

Filter by customer or currency as needed.

## Best Practices

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

## Next Steps

* Learn about [Receiving Payments](/virtual-accounts/receiving-payments) for payment collection
* Explore the [Virtual Accounts API Reference](/api-reference/virtual-accounts/create) for detailed documentation