> ## 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. # Virtual Bank Accounts > How to create and manage Virtual Bank Accounts for receiving payments ## What are Virtual Bank Accounts? Virtual Bank Accounts are dedicated bank account numbers that allow your business and your customers to receive money. When someone sends funds to a Virtual Bank Account, the money is automatically credited to the associated wallet, and you are notified via a [webhook](/guides/webhooks/virtual-account). They are available in **NGN**, **GBP**, **EUR**, and **USD**. ## How to create a Virtual Bank Account * **Endpoint**: `/virtual-bank-account` * **Method**: `POST` * **Purpose**: Generate a new Virtual Bank Account linked to a wallet. For **NGN**, the Virtual Bank Account is typically activated immediately and the response will return with a `SUCCESSFUL` status along with the account details. For **GBP**, **EUR**, and **USD**, the account is created asynchronously. The response will return with a `PENDING` status. Once the account is fully activated, you will receive a `virtual_account.ready` webhook with the account details (account number, bank name, etc.). If the account creation fails or is rejected, you will receive a `virtual_account.failed` or `virtual_account.rejected` webhook instead. **Customer type restrictions by currency.** NGN Virtual Bank Accounts work for both `type=individual` and `type=business` customers (Minimal and Full). **GBP, EUR, and USD Virtual Bank Accounts** require either `type=individual` (verified) or `type=business` with `kyb_scope=FULL` — `kyb_scope=MINIMAL` is NGN-only. Business customers must complete the [KYB flow](/guides/kyb/overview) (`/submit`) before the customer is `VERIFIED`. In the development environment, only **NGN Virtual Bank Accounts** settle. ## Understanding identification types (TIN) When creating a Virtual Bank Account (particularly for USD), your customer needs a `tin` (Tax Identification Number) value on their profile. However, "TIN" is a generic term — what it actually represents depends on the customer's country and whether they are an individual or a business. For example: | Country | Customer type | What to collect | Example label | | ------- | ------------- | ------------------------------ | ------------- | | US | Individual | Social Security Number | SSN | | US | Business | Employer Identification Number | EIN | | NG | Individual | Bank Verification Number | BVN | | GB | Individual | National Insurance Number | NINO | | CA | Individual | Social Insurance Number | SIN | **How to use this in your integration:** 1. Call [Get identification type](/api-reference/virtual-bank-account/get-identification-type) with the customer's `country` and `type` (or their `customer_id` if you already have one). 2. Use the returned `label` to display the correct field name in your UI (e.g. "Enter your Social Security Number" instead of "Enter your TIN"). 3. Save the value your customer provides as the `tin` field when [creating](/api-reference/customer/create) or [updating](/api-reference/customer/update) the customer. 4. Proceed to [create the Virtual Bank Account](/api-reference/virtual-bank-account/create). Individual and business customers in the same country often require different identification types. Always pass the correct `type` parameter when looking up the identification type. ## Quick answers * **Which Virtual Bank Accounts settle in development?** Only **NGN Virtual Bank Accounts** settle in the development environment. * **Should the customer's country match the identity document?** Yes. The customer's `country` must match the identity document submitted for KYC. * **How long does customer verification take?** See the warning below. **Verification is not instant.** After you upload identity documents for a customer, those documents go through a review process. The customer's status will remain `PENDING` (or, for business customers after `/submit`, `PROCESSING`) until that review is complete. For **individual customers**, the review finishes within a few minutes in most cases; up to 2 hours under additional screening. Do not raise support tickets within that window. Escalate to [support@blaaiz.com](mailto:support@blaaiz.com) only if verification has been pending for 5 hours or more. For **business customers**, business KYB review typically takes 1–5 business days. Do not raise tickets within that window. Escalate only if the customer has been `PROCESSING` for more than 5 business days. See [Business customer KYB](/guides/kyb/overview). Listen for the `customer.verified` or `customer.rejected` webhook to know when the review is complete. * **How do I know the correct `tin` label or field?** See [Understanding identification types](#understanding-identification-types-tin) above, or call the [Get identification type](/api-reference/virtual-bank-account/get-identification-type) endpoint. Before creating a Virtual Bank Account, ensure the following prerequisites are in place. Requirements vary depending on the currency. **Wallet must exist** You must have a wallet in the currency you want to create a Virtual Bank Account for. Pass a valid `wallet_id` in your request. **Customer is always required** You must provide a `customer_id` for all currencies. The customer must belong to your business and must have `verification_status` of `VERIFIED` before you can create a Virtual Bank Account. For NGN, both `type=individual` (verified through KYC) and `type=business` (verified through the [KYB flow](/guides/kyb/overview)) are accepted. For GBP, USD, and EUR, only `type=individual` is supported. **No duplicate accounts** You cannot create a second Virtual Bank Account for the same customer and wallet combination. If one already exists, the request will be rejected. **Customer country and identity document must match** The customer's `country` must match the country on the identity document submitted for KYC. **Accepted identity documents** Only a **Driver's License**, **Passport**, or **Resident Permit** is accepted for individual customers. Business customers identify via `registration_number` + `incorporation_country` and supply a **Certificate of Incorporation** (or equivalent formation document) through the KYB document collection. **ID cards (National Identity Cards) are not accepted.** No other document types are supported. **Document quality** All uploaded documents must be **clear, legible, and authentic**. Blurry, cropped, obscured, or otherwise unclear images will not be reviewed and will be rejected. Fraudulent or falsified documents will not be tolerated — repeated attempts to submit false or invalid documents will result in the customer being **permanently blacklisted** from the platform. There are no exceptions or compromises. **Customer is required** You must provide a `customer_id`. The customer must be verified and belong to your business. **Immediate activation** NGN Virtual Bank Accounts are typically activated immediately and the response will return with a `SUCCESSFUL` status along with the account details. **Customer is required** You must provide a `customer_id`. The customer must be verified and of type `individual`. **Customer information must be complete** The following fields must be present on the customer's profile and KYC data before creating a GBP Virtual Bank Account: * First Name * Last Name * Email * Country * ID Type * ID Number * Date of Birth * ID Expiry Date * Zip Code * City * Street If any of these are missing, the request will fail and the response will tell you which fields are missing. **Name format** The customer's first name and last name must contain only letters, hyphens, periods, apostrophes, and spaces. Names with numbers or special characters will be rejected. **Street address format** The customer's street address must contain only alphanumeric characters and the following: `- / # ( ) ' , .` **ID must not be expiring soon** The customer's identity document must have an expiry date at least one month from today. **Valid postal code** The customer's zip code must be a valid postal code for their country. **Customer is required** You must provide a `customer_id`. The customer must be verified and of type `individual`. **Customer information must be complete** The following fields must be present on the customer's profile and KYC data before creating an EUR Virtual Bank Account: * First Name * Last Name * Email * Country * ID Type * ID Number * Date of Birth * ID Expiry Date * Zip Code * City * Street If any of these are missing, the request will fail and the response will tell you which fields are missing. **Name format** The customer's first name and last name must contain only letters, hyphens, periods, apostrophes, and spaces. Names with numbers or special characters will be rejected. **Street address format** The customer's street address must contain only alphanumeric characters and the following: `- / # ( ) ' , .` **ID must not be expiring soon** The customer's identity document must have an expiry date at least one month from today. **Valid postal code** The customer's zip code must be a valid postal code for their country. **Customer is required** You must provide a `customer_id`. The customer must be verified and of type `individual`. **Identity document must be uploaded** The customer must have an identity document file uploaded before you can create a USD Virtual Bank Account. **Driver's License, Passport, or Resident Permit only** All individual customers must have a **Driver's License**, **Passport**, or **Resident Permit** as their identity document. **ID cards (National Identity Cards) are not accepted.** No other document types are accepted. All document images must be clear and legible — unclear images will be rejected. Repeated submission of fraudulent or invalid documents will result in the customer being permanently blacklisted. **Customer information must be complete** USD Virtual Bank Accounts require the most customer information. The following fields must all be present: * First Name * Last Name * Email * Phone * Country * ID Type * ID Number * TIN (Tax Identification Number) * Date of Birth * ID Expiry Date * Street * City * State * Zip Code If any of these are missing, the request will fail and the response will tell you which fields are missing. **TIN label lookup** The `tin` field is required for USD customers, but the actual identification type varies by country (e.g. SSN for US individuals, BVN for Nigerian individuals). See [Understanding identification types](#understanding-identification-types-tin) for the full workflow, or call the [Get identification type](/api-reference/virtual-bank-account/get-identification-type) endpoint to look up the correct label before creating or updating the customer. **ID must not be expiring soon** The customer's identity document must have an expiry date at least one month from today. **Valid postal code** The customer's zip code must be a valid postal code for their country. ## Managing Virtual Bank Accounts Once created, you can manage your Virtual Bank Accounts using the following endpoints: * [List Virtual Bank Accounts](/api-reference/virtual-bank-account/list) — retrieve all Virtual Bank Accounts for your business. * [Get Virtual Bank Account](/api-reference/virtual-bank-account/get) — retrieve details of a specific Virtual Bank Account by ID. * [Close Virtual Bank Account](/api-reference/virtual-bank-account/close) — close a Virtual Bank Account that is no longer needed.