> ## Documentation Index > Fetch the complete documentation index at: https://docs.qonto.com/llms.txt > Use this file to discover all available pages before exploring further. # Create a business account > OAuth scope: `bank_account.write` Creates a new business account. A business account allows you to receive funds, make payments, and manage your finances. Each business account has its own IBAN and balance, and can be used for a variety of banking operations. You can create multiple business accounts and name them based on your business needs (e.g., Primary Account, Project ABC, Tax Pots). This flexibility helps you organize your finances and allocate funds for specific purposes. ## OpenAPI ````yaml post /v2/bank_accounts openapi: 3.1.1 info: version: v2 title: Qonto servers: - url: https://thirdparty.qonto.com description: Production URL - url: https://thirdparty-sandbox.staging.qonto.co description: Sandbox URL security: - OAuth: - organization.read - membership.read - membership.write - attachment.write - internal_transfer.write - payment.write - supplier_invoice.write - supplier_invoice.read - client_invoices.read - client_invoice.write - client.read - client.write - product.read - product.write - request_review.write - request_review.read - team.read - team.write - request_transfers.write - insurance_contract.read - insurance_contract.write - card.read - card.write - bank_account.write - beneficiary.trust - webhook - payment_link.write - payment_link.read - sepa_direct_debit.read - sepa_direct_debit.write - terminal.read - terminal.write - SecretKey: [] paths: /v2/bank_accounts: post: tags: - Business Accounts summary: Create a business account description: >- OAuth scope: `bank_account.write` Creates a new business account. A business account allows you to receive funds, make payments, and manage your finances. Each business account has its own IBAN and balance, and can be used for a variety of banking operations. You can create multiple business accounts and name them based on your business needs (e.g., Primary Account, Project ABC, Tax Pots). This flexibility helps you organize your finances and allocate funds for specific purposes. operationId: createBusinessAccount parameters: - $ref: '#/components/parameters/X-Qonto-Staging-Token' - $ref: '#/components/parameters/X-Qonto-Idempotency-Key' requestBody: required: true content: application/json: schema: type: object required: - bank_account properties: bank_account: type: object required: - name properties: name: type: string example: Secondary business account description: Name of the business account responses: '200': description: Business account created successfully content: application/json: schema: type: object required: - bank_account properties: bank_account: allOf: - $ref: '#/components/schemas/BankAccount' - type: object properties: bic: type: string description: BIC of the bank account enum: - QNTOFRP1XXX - QNTOFRPAXXX - QNTODEB2XXX - QNTOESB2XXX - QNTOITM2XXX - QNTONL22XXX example: QNTOFRP1XXX '400': description: Bad request content: application/json: schema: $ref: '#/components/schemas/BadRequestResponseBody' examples: blank_name: value: errors: - code: blank_name detail: Name can't be blank too_long_name: value: errors: - code: too_long_name detail: Name is too long (maximum is 300 characters) current_bank_accounts_limit: value: errors: - code: current_bank_accounts_limit detail: Number of bank accounts exceeds the maximum limit bank_accounts_limit: value: errors: - code: bank_accounts_limit detail: >- You have reached the maximum number of bank accounts allowed for your plan idempotency_header_missing: value: errors: - code: idempotency_header_missing detail: Idempotency header is required source: header: X-Qonto-Idempotency-Key '401': description: Unauthorized content: application/json: schema: $ref: '#/components/schemas/UnauthorizedResponseBody' examples: authorization_header_missing: value: errors: - code: authorization_header_missing detail: authorization header missing authorization_token_invalid: value: errors: - code: authorization_token_invalid detail: authorization token invalid '403': description: Forbidden content: application/json: schema: $ref: '#/components/schemas/ForbiddenResponseBody' examples: forbidden: value: errors: - code: forbidden detail: >- User does not have sufficient permissions for this action. security: - OAuth: - bank_account.write components: parameters: X-Qonto-Staging-Token: name: X-Qonto-Staging-Token in: header description: >- Required only for Sandbox API requests; to get one, please sign up to the [Developer Portal](https://developers.qonto.com/). schema: type: string X-Qonto-Idempotency-Key: name: X-Qonto-Idempotency-Key in: header required: true description: >- Learn more in [Idempotent Requests](/get-started/general/idempotent-requests). schema: type: string example: 123e4567-e89b-12d3-a456-426614174000 schemas: BankAccount: type: object required: - id - name - organization_id - status - main properties: id: type: string format: uuid description: Unique identifier of the bank account name: type: string description: Name of the bank account example: Primary bank account organization_id: type: string format: uuid description: Organization ID that owns the bank account status: type: string enum: - active - closed description: Status of the bank account main: type: boolean description: Whether this is the main bank account iban: type: string description: IBAN of the bank account example: FR7616958000010123456789037 bic: type: string description: BIC of the bank account example: BNPAFRPPXXX currency: type: string description: Currency of the bank account example: EUR balance: type: string format: float description: Current balance of the bank account example: '142188.43' balance_cents: type: integer description: Current balance in cents example: 14218843 authorized_balance: type: string format: float description: Authorized balance of the bank account example: '141148.12' authorized_balance_cents: type: integer description: Authorized balance in cents example: 14114812 updated_at: type: string format: date-time description: Last update timestamp (ISO 8601) example: '2024-04-03T12:00:00Z' is_external_account: type: boolean description: Whether this is an external account example: false account_number: type: string description: Account number example: 1234567890 BadRequestResponseBody: type: object properties: errors: type: array items: $ref: '#/components/schemas/BadRequestError' required: - errors UnauthorizedResponseBody: type: object properties: errors: type: array items: $ref: '#/components/schemas/UnauthorizedError' required: - errors ForbiddenResponseBody: type: object properties: errors: type: array items: $ref: '#/components/schemas/ForbiddenError' required: - errors BadRequestError: type: object properties: code: type: string description: Error code. detail: type: string description: Human readable error that explains error `code`. source: type: object properties: pointer: type: string description: >- The property in the request body that caused the error (optional). parameter: type: string description: The query parameter that caused the error (optional). required: - code - detail x-examples: Authorization field missing: code: bad_request detail: Authorization field missing UnauthorizedError: type: object properties: code: type: string description: Error code. detail: type: string description: Human readable error that explains error `code`. required: - code - detail x-examples: Invalid credentials: code: unauthorized detail: Invalid credentials ForbiddenError: type: object properties: code: type: string description: Error code. detail: type: string description: Human readable error that explains error `code`. required: - code - detail x-examples: Insufficient permissions: code: forbidden detail: User does not have sufficient permissions for this action. securitySchemes: OAuth: type: oauth2 description: > Bearer authorization header: `Bearer `, where `` is the access token received from the authorization server at the end of the [OAuth 2.0 flow](/get-started/business-api/authentication/oauth/oauth-flow). flows: authorizationCode: refreshUrl: https://oauth.qonto.com/oauth2/token authorizationUrl: https://oauth.qonto.com/oauth2/auth scopes: attachment.read: Retrieve attachments attachment.write: Upload attachments and remove attachments from transactions bank_account.write: Create, update and close bank accounts beneficiary.trust: Trust SEPA beneficiaries card.read: Retrieve cards card.write: Create or update cards client.read: Retrieve clients client.write: Create clients client_invoice.write: Create client invoices client_invoices.read: Retrieve client invoices and credit notes einvoicing.read: Retrieve e-invoicing settings embed_auth_link.write: Create Embed auth links insurance_contract.read: Retrieve insurance contracts insurance_contract.write: Create and update insurance contracts internal_transfer.write: >- Create internal transfers (between 2 Qonto accounts of the same organization) international_transfer.write: Create international transfers membership.read: Retrieve the authentified membership membership.write: Invite team members offline_access: Retrieve a refresh token organization.read: >- Retrieve organization, bank accounts, transactions, transfers, beneficiaries, labels, memberships, requests & statements payment.write: Create external transfers and untrust beneficiaries payment_link.read: >- Retrieve payment links, their payments, and the available payment methods payment_link.write: >- Connect to the payment links provider, create and deactivate payment links product.read: Retrieve products product.write: Create products request_cards.write: Create card requests request_review.write: Approve or decline requests request_transfers.write: Create transfer requests sepa_direct_debit.read: View SEPA Direct Debit payments sepa_direct_debit.write: Manage SEPA Direct Debit payments supplier_invoice.read: Retrieve supplier invoices supplier_invoice.write: Create supplier invoices team.read: Retrieve teams team.write: Create teams terminal.read: View your payment terminals terminal.write: Configure your terminals and initiate payments webhook: >- Receive a notification each time a particular event occurs in Qonto tokenUrl: https://oauth.qonto.com/oauth2/token SecretKey: type: apiKey description: cf. [API key](/get-started/business-api/authentication/api-key) name: Authorization in: header ````