Create Account

Opens a new account for an existing user. The user must have KYC status approved.

POST/v1/accounts

Body parameters

Field	Type	Description
`user_id`required	string	ID of the user who will own the account.
`currency`required	ISO 4217	e.g. AED, USD, EUR.
`label`	string	Friendly name shown to your customer.
`generate_iban`	boolean default: true	Whether to provision a dedicated IBAN for inbound transfers.
`metadata`	object	Up to 20 key/value pairs for your own use.

Request

curl -X POST https://api.vaultspay.ae/v1/accounts \
  -H "Authorization: Bearer sk_test_yourApiKeyHere" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: 12dbef58-5d5c-4a1d-8d9f-36a7d9a77111" \
  -d '{
    "user_id": "usr_01HX71YM6FJ3A8W7T5K6NRB2DN",
    "currency": "AED",
    "label": "Primary AED wallet"
  }'

Response

201 Created

{
  "id": "acc_01HX71YM6FJ3A8W7T5K6NRB2DN",
  "object": "account",
  "user_id": "usr_01HX7...",
  "currency": "AED",
  "label": "Primary AED wallet",
  "status": "active",
  "balance": { "available": 0, "pending": 0, "currency": "AED" },
  "iban": "AE070331234567890123456",
  "bic": "VPAYAEAD",
  "created_at": "2026-04-24T14:52:03Z"
}

Errors

HTTP	Code	Description
409	`kyc_incomplete`	The user hasn’t completed KYC verification.
400	`currency_not_supported`	Currency isn’t enabled on your account. Contact support.

Overview Retrieve Account