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POST
/
users
/
bank-accounts
/
save
Save a bank account for a user (raw entry)
curl --request POST \
  --url https://api.sdev.banking.ingopayments.tech/api/v4/users/bank-accounts/save \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'api_key: <api-key>' \
  --data '
{
  "api_key": "YOUR_API_KEY",
  "user_id": "user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef",
  "idempotent_key": "idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8",
  "first_name": "Alex",
  "last_name": "Rivera",
  "account_number": "8001234567",
  "routing_number": "123456789"
}
'
import requests

url = "https://api.sdev.banking.ingopayments.tech/api/v4/users/bank-accounts/save"

payload = {
    "api_key": "YOUR_API_KEY",
    "user_id": "user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef",
    "idempotent_key": "idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8",
    "first_name": "Alex",
    "last_name": "Rivera",
    "account_number": "8001234567",
    "routing_number": "123456789"
}
headers = {
    "Authorization": "Bearer <token>",
    "api_key": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)
const options = {
  method: 'POST',
  headers: {
    Authorization: 'Bearer <token>',
    api_key: '<api-key>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    api_key: 'YOUR_API_KEY',
    user_id: 'user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef',
    idempotent_key: 'idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8',
    first_name: 'Alex',
    last_name: 'Rivera',
    account_number: '8001234567',
    routing_number: '123456789'
  })
};

fetch('https://api.sdev.banking.ingopayments.tech/api/v4/users/bank-accounts/save', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));
<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.sdev.banking.ingopayments.tech/api/v4/users/bank-accounts/save",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'api_key' => 'YOUR_API_KEY',
    'user_id' => 'user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef',
    'idempotent_key' => 'idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8',
    'first_name' => 'Alex',
    'last_name' => 'Rivera',
    'account_number' => '8001234567',
    'routing_number' => '123456789'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "api_key: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.sdev.banking.ingopayments.tech/api/v4/users/bank-accounts/save"

	payload := strings.NewReader("{\n  \"api_key\": \"YOUR_API_KEY\",\n  \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n  \"idempotent_key\": \"idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\",\n  \"first_name\": \"Alex\",\n  \"last_name\": \"Rivera\",\n  \"account_number\": \"8001234567\",\n  \"routing_number\": \"123456789\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("api_key", "<api-key>")
	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))

}
HttpResponse<String> response = Unirest.post("https://api.sdev.banking.ingopayments.tech/api/v4/users/bank-accounts/save")
  .header("Authorization", "Bearer <token>")
  .header("api_key", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"api_key\": \"YOUR_API_KEY\",\n  \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n  \"idempotent_key\": \"idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\",\n  \"first_name\": \"Alex\",\n  \"last_name\": \"Rivera\",\n  \"account_number\": \"8001234567\",\n  \"routing_number\": \"123456789\"\n}")
  .asString();
require 'uri'
require 'net/http'

url = URI("https://api.sdev.banking.ingopayments.tech/api/v4/users/bank-accounts/save")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["api_key"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"api_key\": \"YOUR_API_KEY\",\n  \"user_id\": \"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef\",\n  \"idempotent_key\": \"idp-9f1a2b3c-4d5e-6f70-8192-a3b4c5d6e7f8\",\n  \"first_name\": \"Alex\",\n  \"last_name\": \"Rivera\",\n  \"account_number\": \"8001234567\",\n  \"routing_number\": \"123456789\"\n}"

response = http.request(request)
puts response.read_body
{
  "status": "success",
  "message": "operation completed",
  "data": {
    "items": [
      {
        "id": "bbac-...",
        "account_number_last_4": "6789",
        "routing_number": "123456789",
        "bank_name": "<string>",
        "created_at": "2026-04-16T12:34:56.000Z"
      }
    ],
    "pagination": {
      "page": 1,
      "per_page": 25,
      "total": 100,
      "sort": "created_at:desc",
      "search": "jane"
    }
  }
}
{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}
{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}
{
  "status": "error",
  "message": "Something went wrong",
  "data": "<unknown>",
  "status_code": {
    "status_code": 1000,
    "message": "Resource not found",
    "description": "The requested resource does not exist"
  }
}

Authorizations

​
api_key
string
header
required

Program API key identifying your integration. Pass as the api_key HTTP header (preferred) or as an api_key field in the JSON request body. Required on every request in addition to the HMAC Authorization header.

Body

application/json
​
user_id
string
required

Identifier of the target user. Required when the endpoint operates on a specific user.

Example:

"user-8f3a2b1c-0e44-4f2d-9a11-7b23cc90d1ef"

​
idempotent_key
string
required

Client-supplied idempotency token. Submitting the same key twice returns the first response rather than creating a duplicate transaction.

​
first_name
string
required

First name.

​
last_name
string
required

Last name.

​
account_number
string
required

Bank account number (5-20 digits).

​
routing_number
string
required

ABA routing number (9 digits).

​
api_key
string

Program API key. Accepted either in the api_key HTTP header or as this body field.

​
postal_code
string

5-digit US ZIP code.

​
country
string

ISO 3166-1 alpha-2 country code.

​
state
string

ISO 3166-2 two-letter state/region code.

​
city
string

City.

​
address_one
string

Street address line 1.

​
fingerprint
string

Tokenised fingerprint representing the linked account.

Response

Success.

​
status
enum<string>
required
Available options:
success
​
message
string
required
Example:

"operation completed"

​
data
object

Endpoint-specific payload; shape varies per operation.