Accounts Guide
The Accounts section allows you to create and manage virtual accounts for your users. Using these APIs, you can open accounts, view balances, track transactions, and close accounts when required.
Each account is created in a specific country and currency and can be used to receive funds through supported transfer methods.
Global Accounts
Zoqq Global Accounts allow businesses to open and manage virtual accounts across multiple regions and currencies. These accounts enable you to receive funds through local clearing systems or international banking networks.
Global Accounts help platforms and businesses collect funds from customers, partners, and other financial institutions worldwide.
Key capabilities include:
- Open and manage accounts in 20+ currencies
- Receive funds via local payment networks
- Receive funds via SWIFT international transfers
- Support cross-border treasury operations
Receive Funds
Global Accounts allow you to receive payments from multiple sources using supported banking infrastructure.
Receive Bank Transfers
Funds can be received through:
- Local clearing systems
- International SWIFT transfers
Payments can originate from:
- Your own accounts
- Your customers
- External businesses
- Third-party platforms
This enables businesses to collect funds globally without requiring local bank integrations in each country.
Explore Use Cases
Global Accounts support multiple financial infrastructure use cases.
Global Treasury
Enable your platform to collect and manage funds globally.
Typical use cases include:
- International collections
- Cross-border treasury management
- Global marketplace settlements
Banking as a Service
Build fintech capabilities directly into your platform.
Examples include:
- Offering accounts to customers
- Supporting international payments
- Integrating accounts with card issuing products
Supported Regions and Currencies
Zoqq Global Accounts support multiple regions and currencies for receiving bank transfers.
These accounts allow businesses to receive payments through local clearing systems or SWIFT transfers, depending on regional infrastructure.
If you need further information about regional availability or currency support, please contact your Zoqq account manager.
Global Accounts Coverage
You can create Global Accounts in the following regions and currencies and receive funds via supported banking networks.
| Region | Currency | Receive Bank Transfers via Local Payment Methods | Receive Bank Transfers via SWIFT |
|---|---|---|---|
| Australia | AUD | Bank Transfer | No |
| Canada | CAD | EFT, Interac e-Transfer | No |
| Denmark* | Multiple currencies | Intradagclearing, RTGS (KRONOS2), SEPA | Yes |
| Estonia | EUR | SEPA Instant, SEPA | No |
| Germany | EUR | SEPA Instant, SEPA | No |
| Hong Kong SAR | Multiple currencies | ACH, RTGS, FPS | Yes |
| Indonesia | IDR | RTGS, SKN, BI-FAST | No |
| Israel | ILS | Faster Payments, MASAV, ZAHAV | No |
| Mexico | MXN | SPEI | No |
| Netherlands* | EUR | SEPA Instant, SEPA | No |
| New Zealand | NZD | Direct Credit | No |
| Poland* | PLN | Elixir, Express Elixir, RTGS | No |
| Singapore | Multiple currencies | GIRO, MEPS, FAST | Yes |
| United Arab Emirates* | AED | IPI, RTGS | No |
| United Kingdom | GBP | Faster Payments, BACS, CHAPS | Yes |
| United States | USD | ACH, Fedwire, FedNow, RTP | Yes |
Notes:
Denmark: Not available to customers of Zoqq Lithuania, UAB
Poland: Only available to customers of Zoqq (UK) Ltd and Zoqq (Netherlands) B.V.
United Arab Emirates: Not available to customers based in UAE
United States: FedNow and RTP are available only for eligible customers and may require approval
What You Can Do with Accounts
With the Accounts APIs, you can:
- Create a virtual account for a user
- View all accounts linked to a user
- Get account details and status
- Check balances across all currencies
- Track transactions and balance changes
- Permanently close an account
Operations
> POST {{baseUrl}}/zoqq/api/v1/account
> GET {{baseUrl}}/zoqq/api/v1/account
> GET {{baseUrl}}/zoqq/api/v1/account/balance
> GET {{baseUrl}}/zoqq/api/v1/account/transactions
> GET {{baseUrl}}/zoqq/api/v1/account/balance/history
> DELETE {{baseUrl}}/zoqq/api/v1/account
Create Account
Create a new virtual account for a user in a specific country and currency.
You must define:
- Account type (virtual account)
- Country and currency
- Required transfer features (for example, LOCAL transfers)
Once created, the account becomes ACTIVE and ready to receive funds.
Use this when: You want to give a user a new virtual account to receive money.
Get All Accounts
Retrieve all accounts linked to a user.
You can optionally filter accounts by:
- Account ID
- Currency
- Account status (ACTIVE, INACTIVE, CLOSED)
Each account includes:
- Account number
- Account holder name
- Bank details
- Supported transfer methods
Use this when: You want to list all user accounts or find a specific account.
Get Account Details
Retrieve detailed information about a specific account.
The response includes:
- Account status
- Bank and institution details
- Supported transfer features
- Routing and clearing information
Use this when: You need full account information for display or reconciliation.
Get Balance (All Accounts)
Retrieve balance details for all currencies linked to a user.
For each currency, you’ll receive:
- Available balance
- Pending amount
- Reserved amount
Use this when: You want to show wallet balances or check available funds before transactions.
Get Account Transactions
Retrieve the transaction history for a specific account.
You can:
- Paginate results
- Filter transactions by date range (up to 31 days)
Each transaction includes:
- Amount and currency
- Transaction type (CREDIT or DEBIT)
- Status
- Timestamp and description
Use this when: You need transaction history for reporting, auditing, or reconciliation.
Get Balance History
Retrieve a detailed history of balance changes for an account.
This shows how the balance changed over time due to:
- Deposits
- Payouts
- Currency conversions
You can filter results by date range (up to 7 days).
Use this when: You want to track balance movements or investigate balance changes.
Close Account
Permanently close an account.
Once closed:
- The account cannot be used again
- This action cannot be undone
Use this when: An account is no longer needed or must be disabled permanently.
Correspondent and Intermediary Banks for SWIFT Deposits
When receiving deposits through SWIFT transfers, the sending bank may require correspondent or intermediary bank information to route the payment correctly.
Depending on the Global Account SWIFT configuration, specific correspondent banks may be recommended.
Global Accounts with ACH Routing Number Ending in *6768
For these accounts, the following intermediary bank information must be provided when receiving USD SWIFT deposits.
| Currency | Intermediary Bank Name | SWIFT Code | Address | City | ZIP Code |
|---|---|---|---|---|---|
| USD | First National Banker's Bank | FRNAUS44 | 7813 Office Park Blvd | Baton Rouge, LA | 70809 |
Global Accounts with SWIFT Code SCBLHKHH
Recommended correspondent banks:
| Currency | Correspondent Bank Name | SWIFT Code |
|---|---|---|
| USD | Standard Chartered Bank | SCBLUS33 |
| EUR | Standard Chartered Bank | SCBLDEFX |
| AUD | Australia and New Zealand Banking Group Limited | ANZBAU3M |
| CAD | Royal Bank of Canada | ROYCCAT2 |
| CHF | Credit Suisse | CRESCHZZ80A |
| GBP | Credit Suisse (Schweiz) AG | SCBLGB2L |
| JPY | Standard Chartered Bank | SCBLJPJT |
| NZD | ASB Bank Limited | ASBBNZ2A |
| SGD | Standard Chartered Bank (Singapore) Limited | SCBLSG22 |
Global Accounts with SWIFT Code DHBKHKHH
Recommended correspondent banks:
| Currency | Correspondent Bank Name | SWIFT Code |
|---|---|---|
| USD | JP Morgan Chase Bank | CHASUS33 |
| EUR | Barclays Bank Ireland PLC | BARCDEFF |
| AUD | Commonwealth Bank of Australia | CTBAAU2S |
| CAD | Toronto-Dominion Bank | TDOMCATTTOR |
| CHF | UBS AG | UBSWCHZH80A |
| GBP | National Westminster Bank PLC | NWBKGB2L |
| JPY | Sumitomo Mitsui Banking Corporation | SMBCJPJT |
| NZD | ASB Bank Limited | ASBBNZ2A |
| SGD | DBS Bank Ltd | DBSSSGSG |
Global Accounts with SWIFT Code SXPYDKKK
Recommended correspondent banks:
| Currency | Correspondent Bank Name | SWIFT Code |
|---|---|---|
| USD | Citibank N.A. | CITIGB2L |
| EUR | Banking Circle SA | BCIRLULL |
| AED | Citibank N.A. | CITIGB2L |
| AUD | Citibank N.A. | CITIGB2L |
| CAD | Citibank N.A. | CITIGB2L |
| CHF | Citibank N.A. | CITIGB2L |
| CNY | Citibank N.A. | CITIGB2L |
| CZK | Ceska Sporitelna | GIBACZPX |
| GBP | Banking Circle SA | SAPYGB2L |
| HKD | Citibank N.A. | CITIGB2L |
| HUF | Citibank N.A. | CITIGB2L |
| ILS | Citibank N.A. | CITIGB2L |
| JPY | Citibank N.A. | CITIGB2L |
| MXN | Citibank N.A. | CITIGB2L |
| NOK | Citibank N.A. | CITIGB2L |
| NZD | Citibank N.A. | CITIGB2L |
| PLN | PKO Bank Polski SA | BPKOPLPW |
| RON | Citibank N.A. | CITIGB2L |
| SGD | DBS Bank Ltd | DBSSSGSG |
| ZAR | Citibank N.A. | CITIGB2L |
Global Accounts with SWIFT Code SAPYGB2L
Recommended correspondent bank:
| Currency | Correspondent Bank Name | SWIFT Code | Address | Sort Code | City |
|---|---|---|---|---|---|
| GBP | National Westminster Bank Plc | NWBKGB2LXXX | 250 Bishops Gate | 600004 | London |
Important Notes
- All APIs require a valid access token
- All requests must include required headers (API key, product ID, user ID)
- Closed accounts cannot be reopened
- Date filters must be provided together (
from_dateandto_date)