Bank account

Resources

Access to a bank account:

 Access to bank accounts of the connected user
/api/[domainePartenaire]/users/appuserid/bankaccounts/
Access to a bank account of the connected user
/api/[domainePartenaire]/users/appuserid/bankaccounts/id

1. Bankaccount

Property Type Example Description
Id Long 12 Bank account identifier
DisplayName String "Compte Bancaire" Bank account name
Bic String "CMCIFR2A" Bank Identifier Code (BIC)
Iban String "FRXXXXXXXXXXX XXXXXXXXXXXX" International Bank Account Number (IBAN)
IsMine Bool true Ownership of the user’s bank account
Status Int 1 Bank account status
1 : Validated
2 : Waiting validation
3 : Refused
Holder Holder Object indicating the name and surname of the bank account holder
Demands Demands Object detailing the specifics of the request of validation of the bank account (RIB)

2. Holder

Propriété Type Exemple Description
FirstName String "John" Name of the bank account holder
LastName String "Doe" Surname of the bank account holder. Mandatory if the bank account does not belong to the connected user.

3. Demands

Propriété Type Exemple Description
Id Long 125 ID of the request of bank account details
RequestDate DateTime 2018-01-09T15:55:44 Date of the request
Status Int 0 Request status:
0 = Incomplete
1 = Ongoing
2 = Denied
3 = Accepted
Reason String Reason why the request has been denied
VoucherCopies List < Attachment > List of supporting documents

Create a bank account (BIC / Iban)

To create a bank account (BIC / IBAN ), please have a look at the example in the right margin of this page.

Error cases:

HTTP Code Error code Explication
400 176 Invalid alias of the bank account
400 179 Incorrect IBAN: IBAN contains invalid characters (different from a-z, A-Z or 0-9)
400 180 Incorrect IBAN: IBAN presents an invalid structure: the first four characters must be structured as follows "letter letter number number"
400 181 Incorrect IBAN: The verification numbers of IBAN are invalid: the allowed values are 00, 01 or 99
400 182 Incorrect IBAN: unknown country code
400 183 IBAN incorrect: the number of characters for the country is incorrect
500 184 Incorrect IBAN
400 185 Incorrect IBAN
400 186 Incorrect BIC: BIC length is invalid
400 187 Incorrect BIC: Format of the BIC bank code is invalid
400 188 Incorrect BIC: Format of the BIC country code is invalid
400 189 Incorrect BIC: Format of the code of the BIC situation is invalid
400 190 Incorrect BIC: Format of the BIC branch code is invalid
400 551 IBAN too much change (more than 3 times in the last 7 days)
400 556 Incorrect BIC
400 704 Parameter(s) of the missing request (s)
400 709 Adding a bank account is not allowed
400 1058 BIC and IBAN incoherent

Bank accounts are automatically validated after their creation, except for the sensitive BICs and for the extended professionals. In this case, you must send a RIB to S-money for validation.
Rendez-vous at the section "Send details of a bank account awaiting validation"

Retrieve the list of bank accounts

To retrieve the list of bank accounts, please have a look at the example in the right margin of this page.

Retrieve a bank account

To retrieve a bank account, please have a look at the example in the right margin of this page.

Error case

HTTP case Error code Explication
404 302 Bank account cannot be found

Edit a bank account

In order to edit the bank account’s name, please have a look at the example in the right margin of this page.

Error cases::

HTTP Code Code Explication
404 302 Bank account cannot be found
400 176 Invalid alias of the bank account
400 573 BIC/IBAN update is being validated.
400 551 BIC/IBAN update is not available
400 704 Missing request(s) parameter(s)

Delete a bank account

In order to delete a bank account, please have a look at the example in the right margin of this page.

Error cases:

HTTP code Error code Explication
404 302 Bank account cannot be found

Send details of a bank account awaiting validation

A bank account with the status "Awaiting validation" has to be verified by S-money.

To obtain the validation of this bank account, you have to:
- Do a KYC request
- Send a copy of bank account details

To send the details of the bank account awaiting validation through the API, please have a look at the example in the right margin of this page.

To see the list of the user documents, please refer to this section.

Send data to the third-party server

The third-party server has to make available a server url enabling the S-money server to notify it when a bank account is registered with the status "awaiting validation" and it has been validated or rejected.

The call of the S-money Server is made using the method HTTP POST.

The parameters of the HTTP request are:

Parameter Type Description
type Int Operation type
10 = Bank account details
id Long Bank account ID
status Int 2 = Awaiting validation
userid String User ID
userstatus Int User ID
6 = Awaiting KYC (transfers blocked)

Example of callback:

POST https://s-money.fr/callback?type=10&id=270978&status=2&userid=623b5620-dca3-5b73-6011-46a8871e94bc&userstatus=6