Account Identifiers
Each account is identified internally by a unique account token, which is used in all API operations.
External identifiers such as IBANs or account numbers are assigned at the balance level, not at the account level. This design allows:
separate entry and exit points per currency,
support for accounts with multiple balances,
flexible routing of inbound and outbound transfers.
Balances
Depending on program configuration, an account may have:
a single balance, or
multiple balances, typically one per currency.
Each balance can be assigned:
an IBAN,
an account number,
or no external identifier, in which case it is addressed only by its token.
Even when IBAN generation is enabled in a program, issuing an IBAN for a balance can be skipped at account creation using a dedicated API attribute.
Supported Currencies and Identifiers
Currency | IBAN | Account Number | Consumer Accounts | Business Accounts | Supported Transfers |
|---|---|---|---|---|---|
EUR | Yes | N/A | Yes | Yes | SEPA and SEPA Instant inbound and outbound transfers, internal transfers |
GBP | Yes | Yes | Yes | Yes | Faster Payments inbound and outbound, CHAPS inbound, internal transfers |
USD* | N/A | N/A | Yes | Yes | Inbound SWIFT transfers for business accounts only |
BGN | Yes | N/A | Yes | Yes | BISERA inbound and outbound transfers, internal transfers |
* Dedicated IBANs for USD consumer accounts are not supported. Consumer USD balances can only be credited from a business account.
Cards and Multi-Currency Accounts
While accounts can have multiple balances, multi-currency cards are not supported.
If an account has more than one balance, a card cannot be linked directly to that account. To issue cards, the account must have a single balance in the card currency.