The Bank Account object
Description
Caution - Payouts refused to Bank Accounts created after April 30, 2026
Bank Account objects created after April 30, 2026, will not be usable for payouts. External accounts must be registered using the Recipient endpoints and authenticated using SCA.
Payouts to Bank Accounts created after May 1, 2026, will fail with the ResultCode 121018. To resolve this, register the external account using POST Create a Recipient and retry the payout.
Note – Replaced by Recipients feature
The Bank Account object and endpoints have been replaced by the Recipients feature, which all platforms should integrate instead.
Legacy active Bank Accounts (Active is true) have been migrated to the new feature and their data is retrievable via the GET View a Recipient endpoint using the same BankAccountId. Read more about legacy bank account migration.
The Bank Account object represents the actual bank account of the user and is therefore required to:
- Process a bank wire payout
- Set up a mandate to process a pay-in by direct debit with a mandate (BACS or SEPA network only)
Different information is required for bank accounts in different countries. This is managed by the Type parameter, which determines the information that needs to be provided via the dedicated endpoint. The values are:
IBAN– For accounts registered in countries that use IBAN (including the UK when the payout currency is not GBP)US– For accounts registered in the United StatesCA– For accounts registered in CanadaGB– For accounts registered in the United Kingdom only when the payout currency is GBP (for other payout currencies, use theIBANtype)OTHER– For accounts registered in countries that do not use IBAN (and are not the US, Canada, or the UK)
The country of registration of a bank account is not linked to its currency.
Caution – Creating the wrong type can lead to processing delays
Failure to use the correct type can lead to processing delays. Use the dedicated types for US, CA, and GB. Only use OTHER if the country isn’t one of these and doesn’t use IBAN.
Note – Bank Account creation blocked in restricted countries
Due to anti-money laundering policy, Mangopay doesn’t accept the creation of bank accounts registered in some countries (see the Country restrictions article).
Attributes
Max. length: 34 characters
The IBAN (international bank account number) of the bank account. It follows the CCDDBBAN format in which: - CC represents the country code (ISO 3166-1 alpha 2) - DD represents two check digits used by banking systems to avoid simple errors - BBAN stands for the Basic Bank Account Number which is up to 30 alphanumeric characters that are country-specific. Note: You will need a valid IBAN (i.e., existing in real life) when testing on a Sandbox account even if no actual payout will be processed.
The BIC (international identifier of the bank) for IBAN or OTHER-type bank accounts.
The BIC can have one of the two following formats:
- BIC8 – 8-character BIC (AAAABBCC)
- BIC11 – 11-character BIC (AAAABBCCDDD)
In which:
- AAAA represents the bank code: 4 characters defining the bank
- BB represents the country code: 2 characters forming the country ISO code (ISO 3166 format)
- CC represents the location code: 2 localization characters (alphabetical or numeric) to distinguish banks from the same country
- DDD represents the branch code: 3 characters used to define the branch of the bank (sometimes replaced with XXX)
The unique identifier of the User (natural or legal) who owns the bank account.
Max. length: 255 characters
The full name of the owner of the bank account. (Format: FirstName LastName)
Returned values: IBAN, US, CA, GB, OTHER
The type of the bank account, indicating the country where the real-life account is registered The values are:
IBAN– For accounts registered in countries that use IBANUS– For accounts registered in the United StatesCA– For accounts registered in CanadaGB– For accounts registered in the United KingdomOTHER– For accounts registered in countries that do not use IBAN (and are not US, CA, GB)
Max length: 128 characters (see data formats for details)
The unique identifier of the object.
Max. length: 255 characters
Custom data that you can add to this object.
Unix timestamp (UTC) of the date and time the object was created.
Whether or not the Bank Account is active. Mangopay automatically sets this parameter to false if the bank account is closed or does not exist anymore.
Length: 8 digits
The unique set of digits of the bank account.
The 6-digit sort code, assigned to UK financial institutions, for GB-type bank accounts.