---
title: "Create an Account for a Consumer"
slug: "create-an-account-for-a-consumer"
updated: 2026-07-08T14:17:15Z
published: 2026-07-08T14:17:15Z
canonical: "www.documentation.paynetics.digital/create-an-account-for-a-consumer"
---

> ## 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.

# Create an Account for a Consumer

To create an Account for a consumer, use the same endpoint as for a business account. The request fields are identical; only the values differ.

Use the same request as for opening a business account, with these differences:

**Example request:**

```json
{
"program": "account_GBP",
   "merchant": "",
   "user": "22f55588-1234-4997-8a23-29c59223e6gbp",// we want to open an account for the consumer Jane Doe, so we are placing the unique token ID from the user creation request
   "main": "", // as we are not linking the account to another, field must be left blank
   "skip_iban_generation": false,// we want an IBAN to be generated if the program account_GBP allows it
   "alias": "Jane Does bonus account"
}
```

**Example response:**

```json
{
   "code": 0,
   "data": {
      "program": "account_GBP",
      "token": "202f828a-c594-436d-b753-123456789123", // unique account token generated after creation
      "merchant": "",
      "user": "22f55588-1234-4997-8a23-29c59223e6gbp", // user token should be maching the one from the request
      "type": "default",
      "number": "0123456789",
      "is_main": true,
      "status": "active",
      "multicurrency": false,
      "balances": [
         {
            "available": 1.23,
            "blocked": 1.23,
            "currency": "GBP",
            "token": "338e7368-4800-40ad-a4db-2e3dgbp12349876", // unique balance token
            "iban": "GB31PATC4002115468108680", // the generated IBAN for the account
            "sort_code": "123456",
            "account_number": "12345678",
            "number": "0123456789",
            "is_main": true
         }
      ]
   }
}
```

As with a business account, the response confirms whether the account was opened and includes the account requisites.

An **Account** is a payment or e-money account used to hold funds and execute transactions.

Accounts are created under a specific instance and program and are associated with either a user or a merchant. They provide the logical structure under which balances, cards, and transactions are organised.

Common account purposes include:

- executing card payments and transfers
- holding settlement funds
- pre-funding services such as OCT

An account acts as a container for balances rather than holding funds directly.