Bank Accounts & IBANs

Depa issues bank accounts to your business and your end customers: named virtual IBANs in your customer's name, or deposit accounts shared across customers and matched by payment reference. Accounts are available in EUR, USD and GBP, and as multi-currency accounts where enabled.

Incoming transfers are credited to the account's ledger and reported by webhook.

1. Creating a Bank AccountCopy Anchor Link

What you send depends on your vault. For a named virtual IBAN, include the holder's details; USD accounts also need phone, document_type and document_number. EUR IBANs are issued in Malta unless you set iban_country to NL.

RequestCopy Anchor Link

curl -X POST https://sandbox.depasify.com/api/v1/accounts/8f3a2c1e-5b7d-4e9a-9c21-7d4b6e0f1a23/bank_accounts \
  -H "Authorization: Bearer <your_jwt_token>" \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "EUR",
    "email": "finance@acme.example",
    "ip": "203.0.113.10",
    "address_line1": "Calle de Serrano 41",
    "city": "Madrid",
    "country": "ES",
    "iban_country": "NL"
  }'

On vaults without virtual IBANs, {"currency": "EUR"} is enough: it creates the account's deposit account for that currency.

ResponseCopy Anchor Link

{
  "data": {
    "id": "6d1c9e2a-3f4b-4c8d-a7e6-5b2f0e9d1c47",
    "name": "Acme Capital SL – EUR",
    "holder_name": "Acme Capital SL",
    "kind": "deposits",
    "currency": "EUR",
    "iban": "NL91ABNA0417164300",
    "bic": "ABNANL2A",
    "balance": 0,
    "created_at": 1772813114
  }
}

2. Listing Bank AccountsCopy Anchor Link

Filter by kind: deposits for the accounts Depa issued, source for your customer's external accounts.

curl -G https://sandbox.depasify.com/api/v1/accounts/8f3a2c1e-5b7d-4e9a-9c21-7d4b6e0f1a23/bank_accounts \
  -H "Authorization: Bearer <your_jwt_token>" \
  --data-urlencode "filter[kind]=deposits"

3. Inbound Payment ProcessingCopy Anchor Link

When an external sender wires funds to the account:

1. Depa receives the credit and creates an incoming fiat payment.
2. The transaction is screened by The Watch.
3. Funds are credited to the account's ledger balance.
4. A webhook notifies your application.

Transfers that reach a shared deposit account without a recognised payment reference arrive as pending. Assign them to the right account with the link_pending endpoint.