Cowdidocs
API ReferenceCurrent account

Open the caller's current account

Creates the caller's current account in PENDING status, ready for the activation flow. Returns 400 if the caller's organization is not eligible for self-service creation, and 409 if the caller already has a non-closed current account.

POST
/v1/user/accounts/current

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

curl -X POST "https://example.com/v1/user/accounts/current"
{  "id": "550e8400-e29b-41d4-a716-446655440000",  "resource_id": "acc_2n1t201rmv87aae5j4csam8000",  "account_number": "00123455",  "user_id": "660e8400-e29b-41d4-a716-446655440111",  "external_account_number": "1234567890",  "external_account_id": "1234567890",  "external_provider": "CHOICE",  "wallet_onboarding_status": "ACCOUNT_OPENED",  "wallet_onboarding_rejection_reasons": [],  "onboarding_status": "ACTIVE",  "onboarding_rejection_reasons": [],  "activatable": false,  "type": "CURRENT",  "account_id": "550e8400-e29b-41d4-a716-446655440000",  "available_balance": 1000000,  "balance": {    "total_balance": 1500000,    "hold_amount": -500000,    "available_balance": 1000000  },  "currency": "KES",  "status": "ACTIVE",  "limits": {    "minimum_transfer_amount": 1000,    "maximum_transfer_amount": 10000000,    "daily_transfer_limit": 50000000  },  "interest": {    "deposit": {      "annual_rate_basis_points": 300,      "payout_frequency": "WEEKLY"    }  },  "created_at": "2025-09-01T10:15:30Z",  "updated_at": "2025-10-15T14:22:00Z"}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "WAITING_LIST",  "description": "User is in the waiting list"}
{  "code": "TOO_MANY_REQUESTS",  "description": "Too Many Requests"}
{  "code": "INTERNAL_SERVER_ERROR",  "description": "Internal Server Error"}