Register a bank account for payouts

To register a bank account for a user, make a POST request to:

https://api.privy.io/v1/users/{user_id}/external_fiat_accounts

To register one for an organization, make a POST request to /v1/organizations/{organization_id}/external_fiat_accounts. The request and response bodies are identical.In the body of the request, include the following fields:

'bridge'

required

Provider that settles payouts to this account.

'production' | 'sandbox'

Provider environment to use. Defaults to production.

string

required

Fiat currency the account settles in, such as usd or eur.

string

required

Legal name of the account holder. Set this to a third party’s name to pay someone other than the verified entity.

string

Name of the bank holding the account.

object

required

Bank account details. The type field determines which other fields apply.

Show account types

'us' | 'gb' | 'iban' | 'pix' | 'swift'

required

Type of the bank account, which determines the rail the payout settles over.

object

Settles over ACH or wire. Requires account_number and a 9-digit routing_number, and accepts checking_or_savings.

object

Settles over Faster Payments. Requires an 8-digit account_number and a 6-digit sort_code.

object

Settles over SEPA. Requires account_number (the IBAN), bic, and country as an ISO 3166-1 alpha-3 code.

object

Settles over Pix. Requires exactly one of pix_key (an EVP, CPF, CNPJ, Brazilian phone number, or email) or br_code, and accepts document_number.

object

Settles over wire, cross-border. Requires account_number, bic, category, at least one purpose_of_funds, and a short_business_description.

object

Address of the account holder, containing street_line_1, city, country as an ISO 3166-1 alpha-3 code, and optionally street_line_2, state, and postal_code. Required for us and swift accounts.

Below is a sample cURL command for this request:

curl --request POST https://api.privy.io/v1/users/did:privy:xxxxx/external_fiat_accounts \
  -u "<your-privy-app-id>:<your-privy-app-secret>" \
  -H "privy-app-id: <your-privy-app-id>" \
  -H 'Content-Type: application/json' \
  -d '{
    "provider": "bridge",
    "environment": "sandbox",
    "currency": "usd",
    "account_owner_name": "John Doe",
    "bank_name": "Chase",
    "account": {
      "type": "us",
      "account_number": "1234567899",
      "routing_number": "121212121",
      "checking_or_savings": "checking"
    },
    "address": {
      "street_line_1": "123 Washington St",
      "city": "New York",
      "state": "NY",
      "postal_code": "10001",
      "country": "USA"
    }
  }'

A successful response includes the following fields:

object

The registered account.

Hide properties

string

Unique ID of the account. Pass this as destination.fiat_account_id when creating a payout.

string

ID of the user the account belongs to. Organization accounts return organization_id instead.

'bridge'

Provider that settles payouts to this account.

'production' | 'sandbox'

Provider environment the account belongs to.

string

Fiat currency the account settles in.

string

Type of the bank account.

string

Name of the bank holding the account.

string

Last four digits of the account number. The full number is never returned after creation.

string

Legal name of the account holder.

string

When the account was registered, as an ISO 8601 timestamp.

{
  "external_fiat_account": {
    "id": "fa_3ad996de-e827-4d2e-99fc-799838520453",
    "user_id": "did:privy:xxxxx",
    "provider": "bridge",
    "environment": "sandbox",
    "currency": "usd",
    "bank_name": "Chase",
    "account_type": "us",
    "last_4": "7899",
    "account_owner_name": "John Doe",
    "created_at": "2026-07-30T12:00:00Z"
  }
}

Get bank accounts

List, read, and delete registered bank accounts

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Funding

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Payouts

Register a bank account

Next steps

Get bank accounts

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​Next steps

Get bank accounts

Execute a payout

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