An internal account represents a customer account held by a payment service provider (PSP). It can be typed own when the PSP uses its own bank code (BIC / Swift code or sort code) and generates its own account numbers / IBANs or virtual when it uses virtual account numbers (also called virtual accounts, virtual IBANs, or vIBANs) provided by its partner bank.

Attribute	Description
id string	The internal account ID.
object string	Always `internal_account`.
type string	The type of the internal account. Can be `own` or `virtual`.
status string	The status of the internal account. See Internal account lifecycle for a comprehensive list of internal account statuses.
name string	The internal account usual name.
connected_account_ids array[string]	The list of connected account IDs this internal account is related to. At least one ID must be provided if internal account is used for payments. Internal accounts used for VOP do not require connected account IDs.
account_holder_id string	The ID of the related account holder.
holder_name string	The name of the company or individual holding the account.
alternative_holder_names array[string]	Optional alternative company or individual names holding the account, for instance with joint or undivided accounts.
holder_address object	The account holder address. See address object.
account_number string	The account number of the internal account. It can be an IBAN or domestic account number.
account_number_format string	The format of the account number. When set, it must match `account_number` unless the format is `other` or `tokenized`. One of `iban`, `uk_bank_number`, `us_account_number`, `other`, or `tokenized`.
bank_code string	The BIC / Swift code, sort code, or domestic bank code, depending on the country and bank.
bank_code_format string	The format of the bank code. When set, it must match `bank_code` unless the format is `other` or `tokenized`. One of `bic`, `uk_sorting_code`, `us_aba_routing_number`, `other`, or `tokenized`
bank_name string	The name of the bank.
bank_address object	The address of the bank. See address object.
creditor_identifier string	The unique reference for organisations collecting payments. Only applicable to internal accounts collecting direct debit payments. Can be a SEPA Creditor Identifier (SCI) or a UK Service User Number (SUN).
organization_identification object	The organization identification of the internal account. See Organization identification.
cbs_source string	The CBS this internal account refers to. Only `mambu` is currently supported.
cbs_account_id string	The ID of the account in the CBS. Must be provided if `cbs_source` is provided.
cbs_account_type string	The type of account in the CBS. Only `deposit` is currently supported. Must be provided if `cbs_source` is provided.
currencies optional, array[string]	ISO 4217 currencies of the account.
customer_bic optional, string	BIC of the internal account. Used for Swift correspondent payments.
distinguished_name optional, string	Distinguished name (DN) of the internal account. Used for Swift correspondent payments.
metadata object	Additional data in JSON `key:value` format. See Metadata.
custom_fields object	Custom fields in JSON key:value format. See Custom fields.
disabled_at datetime	The internal account disabling UTC timestamp.
created_at datetime	The internal account creation UTC timestamp.

Below is an example of an internal account:

{
    "id": "70b79f69-a13a-48cd-9124-9f3ace1f5a2b",
    "object": "internal_account",
    "status": "active",
    "connected_account_ids": [
        "00000000-1111-1111-1111-000000000001"
    ],
    "type": "own",
    "name": "Acme Corp. main account",
    "holder_name": "Acme Corp.",
    "alternative_holder_names": [
        "Acme Corporation",
        "Acme"
    ],
    "account_number": "DE39100202003842452457",
    "bank_code": "SOMEBIC0XXX",
    "account_holder_id": "",
    "holder_address": {
        "line_1": "",
        "line_2": "",
        "building_number": "",
        "street_name": "",
        "postal_code": "",
        "region_state": "",
        "city": "",
        "country": ""
    },
    "creditor_identifier": "",
    "organization_identification": {
        "legal_entity_identifier": null,
        "business_identification_code": null,
        "default_other_identifier_type": null,
        "others": [
            {
                "type": "siren",
                "value": "123456789"
            }
        ]
    },
    "metadata": {},
    "bank_data": {},
    "custom_fields": {},
    "created_at": "2025-10-06T16:10:44.867585Z",
    "cbs_source": null,
    "cbs_account_id": null,
    "cbs_account_type": null,
    "synchronized_with_bank": false,
    "currencies": null,
    "customer_bic": "",
    "distinguished_name": ""
}