> For clean Markdown of any page, append .md to the page URL. > For a complete documentation index, see https://docs.mangopay.com/api-reference/bank-accounts/bank-account-object/llms.txt. > For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.mangopay.com/_mcp/server. # The Bank Account object ### Description > **Warning** > > **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](/api-reference/recipients/recipient-object) and authenticated using SCA. > > Payouts to Bank Accounts created after May 1, 2026, will fail with the `ResultCode` [121018](/errors/codes/121018). To resolve this, register the external account using [POST Create a Recipient](/api-reference/recipients/create-recipient) and retry the payout. > **Note** > > **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 The Bank Account object and endpoints have been replaced by the Recipients feature, which all platforms should integrate instead.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](/api-reference/recipients/view-recipient) endpoint using the same `BankAccountId`. Read more about [legacy bank account migration](/guides/payouts#migration-of-legacy-bank-accounts). 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 States * `CA` – For accounts registered in Canada * `GB` – For accounts registered in the United Kingdom **only when** the payout currency is GBP (for other payout currencies, use the `IBAN` type) * `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. > **Warning** > > **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** > > **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](/guides/users/country-restrictions) article). ### Attributes ### Schema (`ViewABankAccountResponse`) ```yaml components: schemas: Address: type: object properties: AddressLine1: type: string description: The first line of the address. AddressLine2: type: string description: The second line of the address. City: type: string description: The city of the address. Region: type: string description: Required if `Country` is US, CA, or MX. The region of the address. PostalCode: type: string description: >- The postal code of the address. The postal code can contain the following characters: alphanumeric, dashes, and spaces. Country: type: string description: >- Format: Two-letter country code ([ISO 3166-1 alpha-2 format](/api-reference/overview/data-formats)) The country of the address. description: The postal address. title: Address Id: type: string description: >- Max length: 128 characters (see [data formats](/api-reference/overview/data-formats) for details) The unique identifier of the object. title: Id Tag: type: string description: >- Max. length: 255 characters Custom data that you can add to this object, such as unique identifiers in your system. To store multiple values, you can serialize them into a single string, for example a JSON object: `"{\"id_1\":AB123,\"id_2\":DE456}"`. title: Tag CreationDate: type: integer description: Unix timestamp (UTC) of the date and time the object was created. title: CreationDate ViewABankAccountResponse: type: object properties: OwnerAddress: $ref: '#/components/schemas/Address' IBAN: type: string description: >- 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. BIC: type: string description: >- 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) UserId: type: string description: >- The unique identifier of the User (natural or legal) who owns the bank account. OwnerName: type: string description: >- Max. length: 255 characters The full name of the owner of the bank account. (Format: FirstName LastName) Type: type: string description: >- **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 IBAN - `US` – For accounts registered in the United States - `CA` – For accounts registered in Canada - `GB` – For accounts registered in the United Kingdom - `OTHER` – For accounts registered in countries that do not use IBAN (and are not US, CA, GB) Id: $ref: '#/components/schemas/Id' Tag: $ref: '#/components/schemas/Tag' CreationDate: $ref: '#/components/schemas/CreationDate' Active: type: boolean description: >- 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. AccountNumber: type: string description: |- Length: 8 digits The unique set of digits of the bank account. SortCode: type: string description: >- The 6-digit sort code, assigned to UK financial institutions, for GB-type bank accounts. title: ViewABankAccountResponse ```