POST /obp/v7.0.0/banks/BANK_ID/accounts

OBPv7.0.0-createAccountV700 Roles: CanCreateAccount(per bank) Account Onboarding

Create an Account at the bank specified by BANK_ID.

The logged-in user must have the Role CanCreateAccount at BANK_ID. Unlike the v4.0.0/v5.0.0 Create Account, creating an account for yourself does not waive the Role: self-service account opening is deprecated in v7.0.0 — use Account Applications for customer-initiated account opening.

The body USER_ID is optional; when present the created Account is owned by the User specified by USER_ID, otherwise by the logged-in User.

The product_code SHOULD be a product_code from Product. If it matches one, Account Attributes are created from the Product Attributes.

account_routings carries external routings only (e.g. IBAN). The OBP-family schemes (OBP, OBP_ACCOUNT_ID) are refused: the canonical {"scheme": "OBP", "address": "<account_id>"} routing is implicit and included in every response, never stored. One routing per scheme; a routing address already registered at the bank is refused.

The balance amount MUST be zero.

The response metadata.created says who created the Account and for whom: user_id is the User who made the call and on_behalf_of_user_id the User it was made for. They differ when an application acting for a User, such as an AI agent, calls with a Consent; see On Behalf Of. consent_reference_id is then the Consent's reference id, the one Metrics record for the same call; it is omitted when the caller acted for themselves. OBP keeps this record itself, whichever Connector holds the Account.

Authentication is Required.

The ACCOUNT_ID is generated by the server and returned in the response. To specify the ACCOUNT_ID yourself, use the PUT variant.

User Authentication is Required. The User must be logged in. The Application must also be authenticated.

URL Parameters:

BANK_ID: gh.29.uk

{ "user_id": "9ca9a7e4-6d02-40e3-a129-0b2bf89de9b1", "label": "My Account", "product_code": "OPEN_CORRIDOR", "balance": { "currency": "EUR", "amount": "0" }, "branch_id": "", "account_routings": [ { "scheme": "IBAN", "address": "DE91100000000123456789" } ] }

{ "account_id": "8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0", "bank_id": "gh.29.uk", "user_id": "9ca9a7e4-6d02-40e3-a129-0b2bf89de9b1", "label": "My Account", "product_code": "OPEN_CORRIDOR", "balance": { "currency": "EUR", "amount": "0" }, "branch_id": "", "account_routings": [ { "scheme": "OBP", "address": "8ca8a7e4-6d02-40e3-a129-0b2bf89de9f0" }, { "scheme": "IBAN", "address": "DE91100000000123456789" } ], "account_attributes": [], "metadata": { "created": { "at": "2026-09-30T10:12:00Z", "user_id": "a9f2c7e1-3d4b-4a5c-8e6f-7a8b9c0d1e2f", "on_behalf_of_user_id": "9ca9a7e4-6d02-40e3-a129-0b2bf89de9b1", "consent_reference_id": "4c7e8f2a-1b3d-4e5f-9a6b-7c8d9e0f1a2b" } } }