Creating Virtual Accounts

Virtual accounts are digital bank accounts that provide unique routing and account numbers, allowing your business to receive funds through wire transfers, ACH deposits, and sometimes even local payment methods. Unlike traditional bank accounts, virtual accounts do not hold funds but instead act as a proxy account that only receives money. With this approach, whenever your customers send funds to their virtual accounts, your corresponding wallet would be credited with an indication as to which customer sent the funds.

Virtual accounts help improve financial transparency, reduce manual reconciliation efforts, and optimize treasury operations.

Creating a Virtual Account

When issuing an account for your customers, you need to specify which currency and sub-customer you would like the account to be issued for. The only currencies supported when issuing virtual accounts are Euro ( EUR ) , Great British Pounds ( GBP ) and the United States Dollar ( USD )

Request account for a subcustomer

post

https://stage-capi.wewireafrica.comhttps://capi.wewireafrica.com

/v1/subcustomers/{subCustomerId}/accounts/request

Authorizations

ww-api-key

ww-api-keystringRequired

Path parameters

subCustomerIdstringRequired

Body

application/json

currencyall ofRequired

Supported account currencies

string · enumOptionalPossible values:

Responses

200

200 response

application/json

idstringRequired

accountNamestringRequired

accountNumberstringOptional

bankNamestringOptional

accountTypeall ofOptional

string · enumOptionalPossible values:

ibanstringOptional

bicstringOptional

bankAddressstringOptional

bankCountrystringOptional

bankCodestringOptional

routingNumberstringOptional

sortCodestringOptional

currencyall ofRequired

string · enumOptionalPossible values:

providerall ofOptional

string · enumOptionalPossible values:

statusall ofRequired

string · enumOptionalPossible values:

businessIdstringRequired

subCustomerIdstringOptional

createdAtstring · date-timeRequired

updatedAtstring · date-timeRequired

400

Sub-customer is not active or onboarding is not approved

application/json

404

SubCustomer not found

application/json

post

/v1/subcustomers/{subCustomerId}/accounts/request

HTTPcURLJavaScriptPython

POST /v1/subcustomers/{subCustomerId}/accounts/request HTTP/1.1
Host: stage-capi.wewireafrica.com
ww-api-key: YOUR_API_KEY
Content-Type: application/json
Accept: */*
Content-Length: 18

{
  "currency": "NGN"
}

{
  "id": "text",
  "accountName": "text",
  "accountNumber": "text",
  "bankName": "text",
  "accountType": "CORPORATE",
  "iban": "text",
  "bic": "text",
  "bankAddress": "text",
  "bankCountry": "text",
  "bankCode": "text",
  "paymentRails": [
    "ACH"
  ],
  "routingNumber": "text",
  "sortCode": "text",
  "currency": "NGN",
  "provider": "SOLIS",
  "status": "REQUESTED",
  "businessId": "text",
  "subCustomerId": "text",
  "createdAt": "2026-03-06T16:32:28.438Z",
  "updatedAt": "2026-03-06T16:32:28.438Z"
}