# Updates the settlement currency property on Financial Addresses

## What’s new

Updates the [Financial Addresses v2](https://docs.stripe.com/api/v2/money-management/financial-addresses/object.md?api-version=2026-10-28.preview) API with breaking changes to `settlement_currency`:

- Makes [settlement_currency](https://docs.stripe.com/api/v2/money-management/financial-addresses/object.md?api-version=2026-10-28.preview#v2_financial_address_object-settlement_currency) required in the Financial Address response. The default value is the associated bank account’s currency.
- Removes `settlement_currency` from the [create a financial address](https://docs.stripe.com/api/v2/money-management/financial-addresses/create.md?api-version=2026-10-28.preview) request.

## Why is this a breaking change?

Removes the `settlement_currency` parameter from create requests and makes the property required in responses. Before upgrading, update your integration if it passes `settlement_currency` when creating a financial address.

## Impact

Remove `settlement_currency` from [create a financial address](https://docs.stripe.com/api/v2/money-management/financial-addresses/create.md?api-version=2026-10-28.preview) requests. You no longer need to handle responses without a `settlement_currency`.

## Changes

#### REST API

| Parameter | Change | Resources or endpoints |
| --- | --- | --- |
| `settlement_currency` | Removed | [V2.MoneyManagement.FinancialAddress#create](/api/v2/money-management/financial-addresses/create?api-version=2026-10-28.preview#v2_create_financial_addresses) |

| Field | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.FinancialAddress.settlement_currency` | Changed | `optional → required` |

#### Ruby

| Parameter | Change | Resources or methods |
| --- | --- | --- |
| `settlement_currency` | Removed | [V2::MoneyManagement::FinancialAddressCreateParams](/api/v2/money-management/financial-addresses/create?api-version=2026-10-28.preview#v2_create_financial_addresses) |

| Field | Change | From → to |
| --- | --- | --- |
| `V2::MoneyManagement::FinancialAddress.settlement_currency` | Changed | `optional → required` |

#### Python

| Parameter | Change | Resources or methods |
| --- | --- | --- |
| `settlement_currency` | Removed | [v2.money_management.FinancialAddressCreateParams](/api/v2/money-management/financial-addresses/create?api-version=2026-10-28.preview#v2_create_financial_addresses) |

| Field | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.FinancialAddress.settlement_currency` | Changed | `optional → required` |

#### PHP

| Parameter | Change | Resources or methods |
| --- | --- | --- |
| `settlement_currency` | Removed | [V2\MoneyManagement\FinancialAddress.create().$params](/api/v2/money-management/financial-addresses/create?api-version=2026-10-28.preview#v2_create_financial_addresses) |

| Field | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.FinancialAddress.settlement_currency` | Changed | `optional → required` |

#### Java

| Parameter | Change | Resources or methods |
| --- | --- | --- |
| `settlementCurrency` | Removed | [v2.moneymanagement.FinancialAddressCreateParams](/api/v2/money-management/financial-addresses/create?api-version=2026-10-28.preview#v2_create_financial_addresses) |

#### Node.js

| Parameter | Change | Resources or methods |
| --- | --- | --- |
| `settlement_currency` | Removed | [V2.MoneyManagement.FinancialAddressCreateParams](/api/v2/money-management/financial-addresses/create?api-version=2026-10-28.preview#v2_create_financial_addresses) |

| Field | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.FinancialAddress.settlement_currency` | Changed | `optional → required` |

#### Go

| Parameter | Change | Resources or methods |
| --- | --- | --- |
| `SettlementCurrency` | Removed | [V2MoneyManagementFinancialAddressParams](/api/v2/money-management/financial-addresses/create?api-version=2026-10-28.preview#v2_create_financial_addresses) |

#### .NET

| Parameter | Change | Resources or methods |
| --- | --- | --- |
| `SettlementCurrency` | Removed | [V2.MoneyManagement.FinancialAddressCreateOptions](/api/v2/money-management/financial-addresses/create?api-version=2026-10-28.preview#v2_create_financial_addresses) |

## Upgrade

#### REST API

1. [View your current API version](https://docs.stripe.com/workbench/guides.md#view-api-versions) in Workbench.
2. If you use an SDK, upgrade to the corresponding SDK version for this API version.
   - If you don’t use an SDK, update your [API requests](https://docs.stripe.com/api-versions.md#how-versions-are-specified-in-requests) to include `Stripe-Version: 2026-10-28.preview`
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Ruby

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Ruby SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Python

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Python SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### PHP

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your PHP SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Java

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Java SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Node.js

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Node SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Go

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Go SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### .NET

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your .NET SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

## Related changes

- [Removes deposit insurance eligibility from the create parameters for Financial Accounts](https://docs.stripe.com/changelog/endive/2026-10-28/deposit-insurance-eligibility-financial-accounts-create-removal.md)
- [Updates the Financial Addresses v2 API shape](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-v2-api-shape-updates.md)
- [Adds support for EUR currency and SEPA networks to Financial Addresses](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-eur-currency-sepa-networks-support.md)
- [Updates the Received Credits v2 API shape](https://docs.stripe.com/changelog/endive/2026-10-28/received-credits-v2-api-shape-updates.md)
- [Adds APIs and capabilities for outbound payments and transfers](https://docs.stripe.com/changelog/endive/2026-10-28/outbound-flows-api-updates.md)
- [Adds SEPA Instant Credit Transfer as a received credit network type](https://docs.stripe.com/changelog/endive/2026-10-28/sepa-instant-credit-transfer-received-credit-network-type.md)