> ## Documentation Index > Fetch the complete documentation index at: https://docs.business.blaaiz.com/llms.txt > Use this file to discover all available pages before exploring further. # Create virtual bank account > Generates a new virtual bank account for the specified wallet. Supports NGN, GBP, USD, EUR. **Important:** Virtual bank accounts are not immediately issued. Account details are usually provided within a few minutes, but can take a few days if the customer is being reviewed manually or has not passed internal checks. The initial status will be PENDING until the account is fully provisioned. In the development environment, only NGN virtual bank accounts settle. Required scope: `virtual-account:create`. ## OpenAPI ````yaml /api-reference/virtual-bank-account/create-openapi.json post /api/external/virtual-bank-account openapi: 3.1.0 info: title: Blaaiz Platform API - Create Virtual Bank Account version: 1.0.0 description: >- Create a new virtual bank account (VBA) for a wallet. **Note:** Virtual bank accounts are not issued immediately. Account details are usually provided within a few minutes, but can take a few days if the customer is being reviewed manually or has not passed internal checks. In the development environment, only NGN virtual bank accounts settle. servers: - url: https://api-prod.blaaiz.com - url: https://api-dev.blaaiz.com security: [] tags: - name: Virtual Bank Accounts paths: /api/external/virtual-bank-account: post: tags: - Virtual Bank Accounts summary: Create virtual bank account description: >- Generates a new virtual bank account for the specified wallet. Supports NGN, GBP, USD, EUR. **Important:** Virtual bank accounts are not immediately issued. Account details are usually provided within a few minutes, but can take a few days if the customer is being reviewed manually or has not passed internal checks. The initial status will be PENDING until the account is fully provisioned. In the development environment, only NGN virtual bank accounts settle. Required scope: `virtual-account:create`. requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/CreateVBARequest' examples: default: value: wallet_id: b18ed308-5ac5-4e9e-bb16-8c03ec2d3c01 customer_id: 9d4c4ec5-59ea-4130-bf8a-6a5edec401ee responses: '201': description: Virtual bank account initiated successfully. content: application/json: schema: $ref: '#/components/schemas/CreateVBAResponse' example: message: Virtual bank account initiated successfully. data: id: 33580c65-d063-4138-a875-82ff09dfaeb5 business_wallet_id: b18ed308-5ac5-4e9e-bb16-8c03ec2d3c01 currency_id: 1 currency: NGN account_number: '7880000024' account_name: John Doe bank_name: 78 Finance Company Limited bank_code: '123456' provider: BANK78 account_reference: '2327323232' reservation_reference: null rejection_reason: null status: PENDING '400': description: Bad Request content: application/json: examples: customer_not_verified: value: message: >- Business customer is not verified. Ensure you have uploaded identify docs for customer. customer_not_found: value: message: Business customer does not belong to this business. duplicate_account: value: message: >- A virtual bank account already exists for this business customer and wallet using the 'BANK78' provider. '401': description: Unauthorized content: application/json: schema: $ref: '#/components/schemas/Error' example: status: false message: Invalid or missing access token '422': description: Validation Error content: application/json: example: message: The customer id field is required. errors: customer_id: - The customer id field is required. security: - oauth2ClientCredentials: - virtual-account:create components: schemas: CreateVBARequest: type: object description: >- Supports NGN, GBP, USD, EUR. A verified customer is required for all currencies. NGN supports both `type=individual` and `type=business` customers — businesses must have completed the KYB flow ([Business customer KYB](/guides/kyb/overview)). GBP, USD, and EUR currently support `type=individual` only; `type=business` for those currencies is not yet available. properties: wallet_id: type: string description: ID of the business wallet the account will be associated with. customer_id: type: string description: >- ID of the verified customer the VBA should be created for. The customer must belong to your business and have `verification_status=VERIFIED`. NGN accepts both `type=individual` and `type=business`. GBP, USD, and EUR accept `type=individual` only — `type=business` for those currencies is not yet available. required: - wallet_id - customer_id CreateVBAResponse: type: object properties: message: type: string data: $ref: '#/components/schemas/VirtualBankAccount' required: - message - data Error: type: object properties: message: type: string required: - message VirtualBankAccount: type: object properties: id: type: string business_wallet_id: type: string currency_id: type: integer format: int32 currency: type: string account_number: type: string account_name: type: string bank_name: type: string bank_code: type: string provider: type: string account_reference: type: string reservation_reference: type: - string - 'null' rejection_reason: type: - string - 'null' description: Reason for rejection or failure, if applicable status: type: string description: >- Status of the virtual account (e.g., SUCCESSFUL, PENDING, REJECTED, FAILED) required: - id - business_wallet_id - currency_id - currency - account_number - account_name - bank_name - status securitySchemes: oauth2ClientCredentials: type: oauth2 description: >- Use your OAuth client credentials to obtain a short-lived Bearer token from POST /oauth/token. flows: clientCredentials: tokenUrl: /oauth/token scopes: virtual-account:create: Create virtual accounts. ````