> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.crisscross.money/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.crisscross.money/_mcp/server.

# Create an account

POST https://api.crisscross.money/v1/toc/accounts
Content-Type: application/json

Creates a new beneficiary account for the authenticated organisation.

Reference: https://docs.crisscross.money/api-reference/toc-api/accounts/create-beneficiary

## Authentication

- `Authorization` header (bearer token, required) — Token obtained via the login flow.

## Request

### Body (application/json)

This endpoint expects a TocCreateBeneficiaryRequest.

- `name` (string, required) — Legal name of the beneficiary. Max 33 chars (SWIFT limit).
- `currency` (string, required) — ISO 4217 fiat currency code.
- `bic` (string, required) — SWIFT BIC (8 or 11 characters) of the beneficiary's bank.
- `address` (Address, required)
- `iban` (string, optional) — IBAN, if applicable. Either `iban` or `accountNumber` must be provided.
- `accountNumber` (string, optional) — Account number when no IBAN is available. Either `iban` or `accountNumber` must be provided.
- `bankName` (string, optional) — Name of the beneficiary's bank.
- `bankCountry` (string, optional) — ISO 3166-1 alpha-2 country code of the beneficiary's bank.

## Response

### 201

Account created.

- `accountId` (string, required)
- `type` (enum, required) — `beneficiary` — outbound payment destination; `deposit` — inbound funding account.
  - Allowed values: `beneficiary`, `deposit`
- `currency` (string, optional) — ISO 4217.
- `accountHolder` (string, optional)
- `accountNumber` (string, optional)
- `iban` (string, optional)
- `bic` (string, optional)
- `swiftReference` (string, optional)
- `bankName` (string, optional)
- `country` (string, optional) — ISO 3166-1 alpha-2.
- `address` (Address, optional)
- `bankCountry` (string, optional) — ISO 3166-1 alpha-2 country code of the beneficiary's bank.
- `status` (enum, optional)
  - Allowed values: `pending`, `active`

## Errors

### 400 Bad Request Error

Bad request — validation or malformed request.

- `error` (ErrorEnvelopeError, required)

### 401 Unauthorized Error

Unauthorized — missing or invalid token.

- `error` (ErrorEnvelopeError, required)

## Types

### Address

- `line1` (string, optional)
- `line2` (string, optional, nullable)
- `city` (string, optional)
- `postcode` (string, optional)
- `country` (string, optional) — ISO 3166-1 alpha-2.

### ErrorEnvelopeError

- `code` (string, required) — Stable machine-readable identifier. Branch on this, not `message`. Common values: `INVALID_REQUEST`, `UNAUTHENTICATED`, `FORBIDDEN`, `RATE_NOT_AVAILABLE`, `RATE_NOT_FOUND`, `CURRENCY_NOT_SUPPORTED`, `CURRENCY_NOT_PROVISIONED`, `QUOTE_NOT_FOUND`, `QUOTE_EXPIRED`, `QUOTE_NOT_EXECUTABLE`, `ORDER_NOT_FOUND`, `DEPOSIT_NOT_FOUND`, `BENEFICIARY_NOT_FOUND`, `BENEFICIARY_NOT_ACTIVE`, `CURRENCY_MISMATCH`, `INSUFFICIENT_BALANCE`, `AMOUNT_OUT_OF_RANGE`, `WITHDRAWAL_NOT_FOUND`, `WITHDRAWAL_NOT_CANCELLABLE`, `IDEMPOTENCY_CONFLICT`, `INVALID_CURSOR`.
- `message` (string, required) — Human-readable description. Do not parse.
- `details` (map from string to any, optional) — Structured context about the error. Shape varies per code.

## Examples

**Request**

```json
{
  "name": "Acme Corp",
  "currency": "USD",
  "bic": "CHASUS33",
  "address": {
    "line1": "383 Madison Avenue",
    "line2": null,
    "city": "New York",
    "postcode": "10179",
    "country": "US"
  },
  "accountNumber": "123456789",
  "bankName": "JPMorgan Chase Bank",
  "bankCountry": "US"
}
```

**Response**

```json
{
  "accountId": "acc_550e8400-e29b-41d4-a716-446655440000",
  "type": "beneficiary",
  "currency": "USD",
  "accountHolder": "Acme Corp",
  "accountNumber": "123456789",
  "bic": "CHASUS33",
  "bankName": "JPMorgan Chase Bank",
  "country": "US",
  "bankCountry": "US",
  "status": "pending"
}
```

**SDK Code**

```python Accounts_createBeneficiary_example
import requests

url = "https://api.crisscross.money/v1/toc/accounts"

payload = {
    "name": "Acme Corp",
    "currency": "USD",
    "bic": "CHASUS33",
    "address": {
        "line1": "383 Madison Avenue",
        "line2": None,
        "city": "New York",
        "postcode": "10179",
        "country": "US"
    },
    "accountNumber": "123456789",
    "bankName": "JPMorgan Chase Bank",
    "bankCountry": "US"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Accounts_createBeneficiary_example
const url = 'https://api.crisscross.money/v1/toc/accounts';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"name":"Acme Corp","currency":"USD","bic":"CHASUS33","address":{"line1":"383 Madison Avenue","line2":null,"city":"New York","postcode":"10179","country":"US"},"accountNumber":"123456789","bankName":"JPMorgan Chase Bank","bankCountry":"US"}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Accounts_createBeneficiary_example
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.crisscross.money/v1/toc/accounts"

	payload := strings.NewReader("{\n  \"name\": \"Acme Corp\",\n  \"currency\": \"USD\",\n  \"bic\": \"CHASUS33\",\n  \"address\": {\n    \"line1\": \"383 Madison Avenue\",\n    \"line2\": null,\n    \"city\": \"New York\",\n    \"postcode\": \"10179\",\n    \"country\": \"US\"\n  },\n  \"accountNumber\": \"123456789\",\n  \"bankName\": \"JPMorgan Chase Bank\",\n  \"bankCountry\": \"US\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Accounts_createBeneficiary_example
require 'uri'
require 'net/http'

url = URI("https://api.crisscross.money/v1/toc/accounts")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"name\": \"Acme Corp\",\n  \"currency\": \"USD\",\n  \"bic\": \"CHASUS33\",\n  \"address\": {\n    \"line1\": \"383 Madison Avenue\",\n    \"line2\": null,\n    \"city\": \"New York\",\n    \"postcode\": \"10179\",\n    \"country\": \"US\"\n  },\n  \"accountNumber\": \"123456789\",\n  \"bankName\": \"JPMorgan Chase Bank\",\n  \"bankCountry\": \"US\"\n}"

response = http.request(request)
puts response.read_body
```

```java Accounts_createBeneficiary_example
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://api.crisscross.money/v1/toc/accounts")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"name\": \"Acme Corp\",\n  \"currency\": \"USD\",\n  \"bic\": \"CHASUS33\",\n  \"address\": {\n    \"line1\": \"383 Madison Avenue\",\n    \"line2\": null,\n    \"city\": \"New York\",\n    \"postcode\": \"10179\",\n    \"country\": \"US\"\n  },\n  \"accountNumber\": \"123456789\",\n  \"bankName\": \"JPMorgan Chase Bank\",\n  \"bankCountry\": \"US\"\n}")
  .asString();
```

```php Accounts_createBeneficiary_example
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://api.crisscross.money/v1/toc/accounts', [
  'body' => '{
  "name": "Acme Corp",
  "currency": "USD",
  "bic": "CHASUS33",
  "address": {
    "line1": "383 Madison Avenue",
    "line2": null,
    "city": "New York",
    "postcode": "10179",
    "country": "US"
  },
  "accountNumber": "123456789",
  "bankName": "JPMorgan Chase Bank",
  "bankCountry": "US"
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Accounts_createBeneficiary_example
using RestSharp;

var client = new RestClient("https://api.crisscross.money/v1/toc/accounts");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"name\": \"Acme Corp\",\n  \"currency\": \"USD\",\n  \"bic\": \"CHASUS33\",\n  \"address\": {\n    \"line1\": \"383 Madison Avenue\",\n    \"line2\": null,\n    \"city\": \"New York\",\n    \"postcode\": \"10179\",\n    \"country\": \"US\"\n  },\n  \"accountNumber\": \"123456789\",\n  \"bankName\": \"JPMorgan Chase Bank\",\n  \"bankCountry\": \"US\"\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Accounts_createBeneficiary_example
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "name": "Acme Corp",
  "currency": "USD",
  "bic": "CHASUS33",
  "address": [
    "line1": "383 Madison Avenue",
    "line2": ,
    "city": "New York",
    "postcode": "10179",
    "country": "US"
  ],
  "accountNumber": "123456789",
  "bankName": "JPMorgan Chase Bank",
  "bankCountry": "US"
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://api.crisscross.money/v1/toc/accounts")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```