Bank Accounts

A bank account in SpherePay is a registration of your customer's existing fiat bank account. SpherePay does not open or manage bank accounts — it links an account your customer already holds to their SpherePay profile so it can be used as the source or destination for fiat transfers.

You must register at least one bank account before creating an on-ramp or off-ramp transfer that involves fiat currency.

SpherePay does not open bank accounts

SpherePay registers an existing bank account — it does not open a new account on your customer's behalf. The account must already exist at the customer's bank before registration.

Register a Bank Account (API)

POST https://api.spherepay.co/v2/bank-account

For full API details, refer to the Create Bank Account API Reference.

Supported Rails & Currencies

Currency	Rails	Status
USD	ACH, Wire	✅
EUR	SEPA	✅

Required Fields by Currency

United States (USD)

Both ACH and Wire use the same account details. Include both in networks to register for both rails with a single request.

Field	Required
`customerId`	Yes
`bankName`	Yes
`accountName`	Yes
`accountOwner`	Yes
`currency`	Yes (`usd`)
`accountDetails.accountNumber`	Yes
`accountDetails.routingNumber`	Yes
`accountDetails.accountType`	Yes (`checking` or `savings`)
`networks`	Yes (`ach` and/or `wire`)

Request Example

{
  "customerId": "customer_1234567890",
  "bankName": "Chase",
  "accountName": "Jane Doe Checking",
  "accountOwner": "Jane Doe",
  "currency": "usd",
  "accountDetails": {
    "accountNumber": "1234567890",
    "routingNumber": "123456789",
    "accountType": "checking"
  },
  "networks": ["ach", "wire"]
}

European Union (EUR)

Field	Required
`customerId`	Yes
`bankName`	Yes
`accountName`	Yes
`accountOwner`	Yes
`currency`	Yes (`eur`)
`accountDetails.iban`	Yes
`accountDetails.bic`	Yes
`networks`	Yes (`sepa`)