The External Bank Account object 

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External Bank Accounts
The External Bank Account object

Attributes

  • idstring

    Unique identifier for the object.

  • accountnullable stringExpandableAvailable conditionally

    The account this bank account belongs to. Only applicable on Accounts (not customers or recipients) This property is only available when returned as an External Account where controller.is_controller is true.

  • bank_namenullable string

    Name of the bank associated with the routing number (e.g., WELLS FARGO).

  • countrystring

    Two-letter ISO code representing the country the bank account is located in.

  • currencyenum

    Three-letter ISO code for the currency paid out to the bank account.

  • default_for_currencynullable boolean

    Whether this bank account is the default external account for its currency.

  • last4string

    The last four digits of the bank account number.

  • metadatanullable object

    Set of key-value pairs that you can attach to an object. This can be useful for storing additional information about the object in a structured format.

  • routing_numbernullable string

    The routing transit number for the bank account.

  • statusstring

    For bank accounts, possible values are new, validated, verified, verification_failed, or errored. A bank account that hasn’t had any activity or validation performed is new. If Stripe can determine that the bank account exists, its status will be validated. Note that there often isn’t enough information to know (e.g., for smaller credit unions), and the validation is not always run. If customer bank account verification has succeeded, the bank account status will be verified. If the verification failed for any reason, such as microdeposit failure, the status will be verification_failed. If a payout sent to this bank account fails, we’ll set the status to errored and will not continue to send scheduled payouts until the bank details are updated.

    For external accounts, possible values are new, errored and verification_failed. If a payout fails, the status is set to errored and scheduled payouts are stopped until account details are updated. In the US and India, if we can’t verify the owner of the bank account, we’ll set the status to verification_failed. Other validations aren’t run against external accounts because they’re only used for payouts. This means the other statuses don’t apply.

More attributes

  • objectstring

    String representing the object’s type. Objects of the same type share the same value.

  • account_holder_namenullable string

    The name of the person or business that owns the bank account.

  • account_holder_typenullable string

    The type of entity that holds the account. This can be either individual or company.

  • account_typenullable string

    The bank account type. This can only be checking or savings in most countries. In Japan, this can only be futsu or toza.

  • available_payout_methodsnullable array of enums

    A set of available payout methods for this bank account. Only values from this set should be passed as the method when creating a payout.

    Possible enum values
    instant
    standard
  • customernullable stringExpandable

    The ID of the customer that the bank account is associated with.

  • fingerprintnullable string

    Uniquely identifies this particular bank account. You can use this attribute to check whether two bank accounts are the same.

  • future_requirementsnullable object

    Information about the upcoming new requirements for the bank account, including what information needs to be collected, and by when.

    • future_requirements.currently_duenullable array of strings

      Fields that need to be collected to keep the external account enabled. If not collected by current_deadline, these fields appear in past_due as well, and the account is disabled.

    • future_requirements.errorsnullable array of objects

      Fields that are currently_due and need to be collected again because validation or verification failed.

      • future_requirements.errors.codeenum

        The code for the type of error.

        Possible enum values
        information_missing

        The requirement associated with this error is missing critical information. The associated error reason provides more details.

        invalid_address_city_state_postal_code

        The combination of the city, state, and postal code in the provided address could not be validated.

        invalid_address_highway_contract_box

        Invalid address. Your business address must be a valid physical address from which you conduct business and cannot be a Highway Contract Box.

        invalid_address_private_mailbox

        Invalid address. Your business address must be a valid physical address from which you conduct business and cannot be a private mailbox.

        invalid_business_profile_name

        Business profile names must consist of recognizable words.

        invalid_business_profile_name_denylisted

        Generic or well-known business names aren’t supported.

        invalid_company_name_denylisted

        Generic or well-known business names aren’t supported.

        invalid_dob_age_over_maximum

        Date of birth must be within the past 120 years.

        invalid_dob_age_under_18

        Underage. Age must be at least 18.

        invalid_dob_age_under_minimum

        Person must be at least 13 years old.

        Show 84 more
      • future_requirements.errors.reasonstring

        An informative message that indicates the error type and provides additional details about the error.

      • future_requirements.errors.requirementstring

        The specific user onboarding requirement field (in the requirements hash) that needs to be resolved.

    • future_requirements.past_duenullable array of strings

      Fields that weren’t collected by current_deadline. These fields need to be collected to enable the external account.

    • future_requirements.pending_verificationnullable array of strings

      Fields that might become required depending on the results of verification or review. It’s an empty array unless an asynchronous verification is pending. If verification fails, these fields move to eventually_due, currently_due, or past_due. Fields might appear in eventually_due, currently_due, or past_due and in pending_verification if verification fails but another verification is still pending.

  • requirementsnullable object

    Information about the requirements for the bank account, including what information needs to be collected.

    • requirements.currently_duenullable array of strings

      Fields that need to be collected to keep the external account enabled. If not collected by current_deadline, these fields appear in past_due as well, and the account is disabled.

    • requirements.errorsnullable array of objects

      Fields that are currently_due and need to be collected again because validation or verification failed.

      • requirements.errors.codeenum

        The code for the type of error.

        Possible enum values
        information_missing

        The requirement associated with this error is missing critical information. The associated error reason provides more details.

        invalid_address_city_state_postal_code

        The combination of the city, state, and postal code in the provided address could not be validated.

        invalid_address_highway_contract_box

        Invalid address. Your business address must be a valid physical address from which you conduct business and cannot be a Highway Contract Box.

        invalid_address_private_mailbox

        Invalid address. Your business address must be a valid physical address from which you conduct business and cannot be a private mailbox.

        invalid_business_profile_name

        Business profile names must consist of recognizable words.

        invalid_business_profile_name_denylisted

        Generic or well-known business names aren’t supported.

        invalid_company_name_denylisted

        Generic or well-known business names aren’t supported.

        invalid_dob_age_over_maximum

        Date of birth must be within the past 120 years.

        invalid_dob_age_under_18

        Underage. Age must be at least 18.

        invalid_dob_age_under_minimum

        Person must be at least 13 years old.

        Show 84 more
      • requirements.errors.reasonstring

        An informative message that indicates the error type and provides additional details about the error.

      • requirements.errors.requirementstring

        The specific user onboarding requirement field (in the requirements hash) that needs to be resolved.

    • requirements.past_duenullable array of strings

      Fields that weren’t collected by current_deadline. These fields need to be collected to enable the external account.

    • requirements.pending_verificationnullable array of strings

      Fields that might become required depending on the results of verification or review. It’s an empty array unless an asynchronous verification is pending. If verification fails, these fields move to eventually_due, currently_due, or past_due. Fields might appear in eventually_due, currently_due, or past_due and in pending_verification if verification fails but another verification is still pending.

The External Bank Account object
{
"id": "ba_1N9DrD2eZvKYlo2C58f4DaIa",
"object": "bank_account",
"account": "acct_1032D82eZvKYlo2C",
"account_holder_name": "Jane Austen",
"account_holder_type": "individual",
"account_type": null,
"available_payout_methods": [
"standard"
],
"bank_name": "STRIPE TEST BANK",
"country": "US",
"currency": "usd",
"fingerprint": "1JWtPxqbdX5Gamtz",
"last4": "6789",
"metadata": {},
"routing_number": "110000000",
"status": "new"
}