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The Bank Account object and endpoints have been replaced by the Recipients feature, which all platforms should integrate instead.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).