Create Sub Accounts

Sub accounts are created only through the API and serve a unique purpose to act as a pocket of money where funds can sit in. Importantly, sub accounts do not require BVNs upon creation.

Please note that, by default, merchant configuration for setting regions and service providers is not enabled on new accounts. To create sub accounts successfully after successful sign up and KYB onboarding, contact our support team at support@spotflow.one and request merchant configuration activation for your account.

POST https://api.spotflow.co/api/v1/accounts

Headers

authorization String	Bearer SECRET_KEY Include your secret key in the request header as a Bearer token for authorization. Unauthorized requests will result in a 401 HTTP status code.
content-type String	application/json

Request Body Parameters

parentAccountId Integer	This is the id of your main account.
currency String	Choose the currency you want for your sub account. According, to our currently supported currencies, this is in NGN.
accountName String	Your desired name for your sub account.

Sample Request Body:

{
"parentAccountId": "123e4567-e89b-12d3-a456-426614174000",
"currency": "NGN",
"accountName": "Quantum Technologies"
}

Sample Response:

200 OK

{
  "id": "123e4567-e89b-12d3-a456-426614174000",
  "balanceId": "wallet-123456",
  "accountName": "Operations Account",
  "accountNumber": "0123456789",
  "parentAccountId": "123456",
  "currency": "NGN",
  "mode": "live",
  "status": "active",
  "createdAt": "2025-05-19T10:15:30Z",
  "updatedAt": "2025-05-19T10:15:30Z"
}