Create account
Access: Approved integrator only.
Requires Idempotency-Key header. Validates broker (memberCode) and bank (bankSortCode).
Conditional fields:
- Individual and minor accounts require birthDate, gender, motherMaidenName, nextOfKinName, and nextOfKinPhone.
- Minor accounts also require bvnHolderName.
- Corporate accounts require rcNumber, rcDate, and taxIdentificationNumber.
- Existing investor dedupe is scoped to the submitted bvn, memberCode, and accountType.
- If chn is omitted, existing CHN reuse is scoped to rows with the same BVN and accountType.
- If chn is submitted, it must already exist and match the supplied BVN and accountType.
- If the submitted chn already has an existing record for the requested memberCode and accountType, the existing record is returned.
- Minor accounts require an existing live retail guardian with the same BVN before account creation can proceed.
- Minor dedupe is scoped to bvn, memberCode, accountType, birthDate, and normalized name.
- If chn is omitted for a minor, CHN reuse is scoped to rows with the same BVN, accountType, birthDate, and normalized name.
- If chn is submitted for a minor, it must match the same BVN, accountType, birthDate, and normalized name.
- Non-exempt integrators must pass BVN/account validation before account lookup or creation for individual, corporate, and minor account requests.
- For non-exempt individual account requests, submitted name is optional. When provided, it is forwarded to BVN/account validation, and the persisted investor name is always the name returned by BVN/account validation.
- For non-exempt corporate and minor account requests, BVN/account validation is required, but submitted name fields remain unchanged.
- New accounts created after BVN/account validation persist the validation status, reference, name match metadata, and validation timestamp.
- BVN/account validation failures fail account creation and do not consume account-creation credits.
- A credit reservation is required before account processing begins.
- Credits are charged when the request resolves to either a newly created investor or an existing matching investor. Requests fail if credit cannot be secured.
Headers
Reuse the same key when retrying the same idempotent request.
"3e9cb40d-87b8-4a60-bffe-bdb7b5e65e9c"
Body
11^[0-9]{11}$I, M, C 40E.164 format or Nigerian local format.
16^(?:\+[1-9][0-9]{1,14}|0[0-9]{10})$402510^[0-9]{10}$740^C(?:\d{9}[A-Z]{2}|[A-Z]\d{9}[A-Z])$Required unless the request is for a non-exempt integrator creating an individual (I) account. Digits are rejected for individual and minor account names; corporate names may include digits. For non-exempt individual account creation, this value is optional, is forwarded to BVN/account validation when present, and the persisted name comes from the validation response. For corporate and minor requests, the submitted name remains unchanged.
2 - 7015Required for corporate accounts.
30Required for corporate accounts.
30Required for minor accounts and cannot contain digits. Non-exempt minor requests require BVN/account validation, but this submitted value remains unchanged.
70Required for individual and minor accounts. Individual accounts must be 18 years or older, minor accounts must be younger than 18, and birth date checks use the Africa/Lagos request date.
Required for corporate accounts.
Required for individual and minor accounts.
M, F, null Required for individual and minor accounts and cannot contain digits.
40E.164 format or Nigerian local format.
16^(?:\+[1-9][0-9]{1,14}|0[0-9]{10})$404025310Required for individual and minor accounts and cannot contain digits.
40Required for individual and minor accounts. Must be E.164 format or Nigerian local format.
16^(?:\+[1-9][0-9]{1,14}|0[0-9]{10})$15Optional. null is accepted and treated the same as omitting the field.