Bank Accounts
Add and manage bank accounts to enable transfers across rails and currencies.
A bank account in SpherePay represents a customer's fiat account — the source or destination for any transfer involving fiat currency. You must register a bank account before creating an on-ramp or off-ramp transfer that involves that customer.
Bank Account Creation (API)
POSThttps://api.spherepay.co/v2/bank-account
For full API details, refer to the Create Bank Account API Reference.
Supported Rails & Currencies
| Currency | Rails | Status |
|---|---|---|
| USD | ACH, Wire | ✅ |
| EUR | SEPA | ✅ |
Required Fields by Currency
United States (USD)
Both ACH and Wire use the same account details. Include both in networks to register for both rails with a single request.
| Field | Required |
|---|---|
customerId | Yes |
bankName | Yes |
accountName | Yes |
accountOwner | Yes |
currency | Yes (usd) |
accountDetails.accountNumber | Yes |
accountDetails.routingNumber | Yes |
accountDetails.accountType | Yes (checking or savings) |
networks | Yes (ach and/or wire) |
{
"customerId": "customer_1234567890",
"bankName": "Chase",
"accountName": "Jane Doe Checking",
"accountOwner": "Jane Doe",
"currency": "usd",
"accountDetails": {
"accountNumber": "1234567890",
"routingNumber": "123456789",
"accountType": "checking"
},
"networks": ["ach", "wire"]
}European Union (EUR)
| Field | Required |
|---|---|
customerId | Yes |
bankName | Yes |
accountName | Yes |
accountOwner | Yes |
currency | Yes (eur) |
accountDetails.iban | Yes |
accountDetails.bic | Yes |
networks | Yes (sepa) |
{
"customerId": "customer_1234567890",
"bankName": "Deutsche Bank",
"accountName": "Jane Doe SEPA",
"accountOwner": "Jane Doe",
"currency": "eur",
"accountDetails": {
"iban": "DE89370400440532013000",
"bic": "COBADEFFXXX"
},
"networks": ["sepa"]
}Last updated on