# Updates the Financial Addresses v2 API shape

## What’s new

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

- Removes `last4` from ABA, IBAN, and sort code bank account details.
- Renames `account_holder_address` to [address](https://docs.stripe.com/api/v2/money-management/financial-addresses/object.md?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba-address) in ABA bank account details.
- Moves `country` from IBAN bank account details to the parent [bank_account](https://docs.stripe.com/api/v2/money-management/financial-addresses/object.md?api-version=2026-10-28.preview#v2_financial_address_object-bank_account) object.
- Makes [account_number](https://docs.stripe.com/api/v2/money-management/financial-addresses/object.md?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba-account_number) required in ABA and sort code bank account details.
- Makes [iban](https://docs.stripe.com/api/v2/money-management/financial-addresses/object.md?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban-iban) required in IBAN bank account details.

## Why is this a breaking change?

Removes or renames properties on bank account details. Before upgrading, update your integration if it reads `last4`, `account_holder_address`, or `country` on IBAN details.

## Impact

If your integration uses the [Financial Addresses](https://docs.stripe.com/api/v2/money-management/financial-addresses.md?api-version=2026-10-28.preview) API, make the following changes:

- Remove any code that reads `last4` from ABA, IBAN, or sort code bank account details. This property no longer exists.
- Update `account_holder_address` to `address` for ABA bank account details.
- Read `country` from the parent `bank_account` object instead of IBAN bank account details.
- Update any code that treats `account_number` or `iban` as optional to handle the required status.

For implementation details, see [Fund a financial account](https://docs.stripe.com/treasury/connect/moving-money/fund-a-financial-account.md).

## Changes

#### REST API

| Parameters | Change | Resources or endpoints |
| --- | --- | --- |
| `address` | Added | [V2.MoneyManagement.FinancialAddress.bank_account.aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `account_holder_address`, `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `country`, `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.iban](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban) |
| `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.sort_code](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-sort_code) |

| Fields | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.FinancialAddress.bank_account.aba.account_number`, `V2.MoneyManagement.FinancialAddress.bank_account.iban.iban`, `V2.MoneyManagement.FinancialAddress.bank_account.sort_code.account_number` | Changed | `optional → required` |

#### Ruby

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `address` | Added | [V2::MoneyManagement::FinancialAddress::BankAccount::Aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `account_holder_address`, `last4` | Removed | [V2::MoneyManagement::FinancialAddress::BankAccount::Aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `country`, `last4` | Removed | [V2::MoneyManagement::FinancialAddress::BankAccount::Iban](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban) |
| `last4` | Removed | [V2::MoneyManagement::FinancialAddress::BankAccount::SortCode](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-sort_code) |

| Fields | Change | From → to |
| --- | --- | --- |
| `V2::MoneyManagement::FinancialAddress::BankAccount::Aba.account_number`, `V2::MoneyManagement::FinancialAddress::BankAccount::Iban.iban`, `V2::MoneyManagement::FinancialAddress::BankAccount::SortCode.account_number` | Changed | `optional → required` |

#### Python

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `address` | Added | [V2.MoneyManagement.FinancialAddress.BankAccount.Aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `account_holder_address`, `last4` | Removed | [V2.MoneyManagement.FinancialAddress.BankAccount.Aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `country`, `last4` | Removed | [V2.MoneyManagement.FinancialAddress.BankAccount.Iban](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban) |
| `last4` | Removed | [V2.MoneyManagement.FinancialAddress.BankAccount.SortCode](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-sort_code) |

| Fields | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.FinancialAddress.BankAccount.Aba.account_number`, `V2.MoneyManagement.FinancialAddress.BankAccount.Iban.iban`, `V2.MoneyManagement.FinancialAddress.BankAccount.SortCode.account_number` | Changed | `optional → required` |

#### PHP

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `address` | Added | [V2.MoneyManagement.FinancialAddress.bank_account.aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `account_holder_address`, `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `country`, `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.iban](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban) |
| `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.sort_code](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-sort_code) |

| Fields | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.FinancialAddress.bank_account.aba.account_number`, `V2.MoneyManagement.FinancialAddress.bank_account.iban.iban`, `V2.MoneyManagement.FinancialAddress.bank_account.sort_code.account_number` | Changed | `optional → required` |

#### Java

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `address` | Added | [v2.moneymanagement.FinancialAddress.bank_account.aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `accountHolderAddress`, `last4` | Removed | [v2.moneymanagement.FinancialAddress.bank_account.aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `country`, `last4` | Removed | [v2.moneymanagement.FinancialAddress.bank_account.iban](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban) |
| `last4` | Removed | [v2.moneymanagement.FinancialAddress.bank_account.sort_code](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-sort_code) |

#### Node.js

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `address` | Added | [V2.MoneyManagement.FinancialAddress.bank_account.aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `account_holder_address`, `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `country`, `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.iban](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban) |
| `last4` | Removed | [V2.MoneyManagement.FinancialAddress.bank_account.sort_code](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-sort_code) |

| Fields | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.FinancialAddress.bank_account.aba.account_number`, `V2.MoneyManagement.FinancialAddress.bank_account.iban.iban`, `V2.MoneyManagement.FinancialAddress.bank_account.sort_code.account_number` | Changed | `optional → required` |

#### Go

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `Address` | Added | [V2MoneyManagementFinancialAddressBankAccountAba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `AccountHolderAddress`, `Last4` | Removed | [V2MoneyManagementFinancialAddressBankAccountAba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `Country`, `Last4` | Removed | [V2MoneyManagementFinancialAddressBankAccountIban](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban) |
| `Last4` | Removed | [V2MoneyManagementFinancialAddressBankAccountSortCode](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-sort_code) |

#### .NET

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `Address` | Added | [V2.MoneyManagement.FinancialAddress.BankAccount.Aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `AccountHolderAddress`, `Last4` | Removed | [V2.MoneyManagement.FinancialAddress.BankAccount.Aba](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-aba) |
| `Country`, `Last4` | Removed | [V2.MoneyManagement.FinancialAddress.BankAccount.Iban](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-iban) |
| `Last4` | Removed | [V2.MoneyManagement.FinancialAddress.BankAccount.SortCode](/api/v2/money-management/financial-addresses/object?api-version=2026-10-28.preview#v2_financial_address_object-bank_account-sort_code) |

## 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)
- [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)
- [Updates the settlement currency property on Financial Addresses](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-settlement-currency.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)