---
title: "Account identifiers and currencies"
slug: "account-identifiers-and-currencies"
updated: 2026-06-03T13:14:17Z
published: 2026-06-03T13:14:17Z
canonical: "www.documentation.paynetics.digital/account-identifiers-and-currencies"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://www.documentation.paynetics.digital/llms.txt
> Use this file to discover all available pages before exploring further.

# Account identifiers and currencies

### 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.