curl --request POST \
--url https://api.bachs.io/v1/virtual-accounts \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"currency": "NGN",
"bank_code": "090645"
}
'const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({currency: 'NGN', bank_code: '090645'})
};
fetch('https://api.bachs.io/v1/virtual-accounts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));import requests
url = "https://api.bachs.io/v1/virtual-accounts"
payload = {
"currency": "NGN",
"bank_code": "090645"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.bachs.io/v1/virtual-accounts"
payload := strings.NewReader("{\n \"currency\": \"NGN\",\n \"bank_code\": \"090645\"\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(string(body))
}{
"id": "va_8Hs2kQ4mZpXv",
"currency": "NGN",
"account_number": "9902847361",
"account_name": "Ada Stores",
"bank_name": "Globus Bank",
"bank_code": "103",
"status": "active",
"created_at": "2026-09-22T09:14:02.000Z"
}Create a virtual account
Creates a fixed bank account number in one currency, or returns the virtual account that already exists for that currency. Send bank_code to choose the bank that holds it. See Virtual accounts for capability setup, requirements, choosing a bank, deposits, and fees.
curl --request POST \
--url https://api.bachs.io/v1/virtual-accounts \
--header 'Authorization: Bearer <token>' \
--header 'Content-Type: application/json' \
--data '
{
"currency": "NGN",
"bank_code": "090645"
}
'const options = {
method: 'POST',
headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
body: JSON.stringify({currency: 'NGN', bank_code: '090645'})
};
fetch('https://api.bachs.io/v1/virtual-accounts', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));import requests
url = "https://api.bachs.io/v1/virtual-accounts"
payload = {
"currency": "NGN",
"bank_code": "090645"
}
headers = {
"Authorization": "Bearer <token>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.bachs.io/v1/virtual-accounts"
payload := strings.NewReader("{\n \"currency\": \"NGN\",\n \"bank_code\": \"090645\"\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(string(body))
}{
"id": "va_8Hs2kQ4mZpXv",
"currency": "NGN",
"account_number": "9902847361",
"account_name": "Ada Stores",
"bank_name": "Globus Bank",
"bank_code": "103",
"status": "active",
"created_at": "2026-09-22T09:14:02.000Z"
}Authorizations
Bearer token authentication. Pass your API key as Authorization: Bearer sk_.... See Authentication for keys, scopes, and sandbox vs production.
Scopes
Headers
Connected account to create the virtual account for. Omit to create one for the account that owns the API key.
Body
Three-letter ISO 4217 code for the money the account accepts, e.g. NGN. NGN is the only currency issued today; any other value is rejected with VIRTUAL_ACCOUNT_CURRENCY_NOT_SUPPORTED. There is no default, because the currency decides what the number can receive.
3"NGN"
The bank to hold the number: 103 (Globus Bank), 090645 (Nombank MFB) or 110072 (Bank78 MFB). Leave it out, or send an empty string, and we pick a bank, trying another if the first is down. A bank you pick is never swapped: if it can't make the number, you get an error. Only used the first time. A number you already have keeps its bank.
103, 090645, 110072 "090645"
Response
Virtual account created, or the existing virtual account for the requested currency.
A fixed bank account number belonging to your platform or a connected account. It does not expire and can receive deposits at any time.
Unique identifier for the virtual account, prefixed va_. It appears at payment_method_details.bank_transfer.virtual_account.id on each payment received through this account.
"va_8Hs2kQ4mZpXv"
Three-letter ISO 4217 code for the money this account accepts, e.g. NGN. Money sent in any other currency cannot reach it.
"NGN"
The account number the sender enters in their banking app. Show it with bank_name so the sender can select the correct destination.
"9902847361"
The bank that issued the number, as the sender sees it in their banking app. Read it from this field rather than storing one name, because accounts created later can be issued by a different bank.
"Globus Bank"
Whether the virtual account is in use. active: the number appears in reads and accepts deposits. inactive: the number no longer appears in reads, but deposits sent to it are still received.
active, inactive "active"
ISO 8601 timestamp of when the account number was issued.
"2026-09-22T09:14:02.000Z"
The name a sender sees on the account in their banking app: the account's business name. Show it beside account_number and bank_name so senders can confirm they have the right account. null only on some accounts issued before October 2026.
"Ada Stores"
The code of the bank that holds the number, from the same list you send as bank_code: 103, 090645 or 110072. Older numbers may still hold the issuing provider's own code, or null.
"090645"