--- title: "Open a second account" description: "Add an account for a customer who already has one at the same bank, and know what to do when you reach the per-customer limit and get a 409." --- Add an account for a customer who already has one at the same bank, and learn what to do when you reach the per-customer limit and get a 409. **API version:** v2. **Who it is for.** A platform adding a GBP account for a customer who already has USD and EUR accounts, or a platform that got a 409 on create. **Status.** Available, within each option's `max_accounts_per_customer`. ## Money example Brightleaf Studio already holds five wallet-backed accounts at one option: three USD, one EUR and one GBP. 1. You try to open a sixth account, in EUR, and get 409 `maximum number of USD/EUR/GBP accounts … (5)`. 2. You reuse one of the five, or ask Gravv support to raise this customer's limit. 3. After support raises the limit, the same create request succeeds with a new idempotency key. ## Before you start List the customer's accounts. Count the `pending` and `active` accounts at the same option and account type. ```bash title="cURL" curl --request GET \ --url 'https://api.gravv.xyz/v2/accounts?customer_id=3a4b5c6d-7e8f-4a9b-8c0d-1e2f3a4b5c6d&bank_code=' \ --header 'Api-Key: ' ``` ```javascript title="Node" const response = await fetch("https://api.gravv.xyz/v2/accounts?customer_id=3a4b5c6d-7e8f-4a9b-8c0d-1e2f3a4b5c6d&bank_code=", { method: "GET", headers: { "Api-Key": process.env.GRAVV_API_KEY, }, }); console.log(response.status, await response.json()); ``` ```python title="Python" import os import requests response = requests.get( "https://api.gravv.xyz/v2/accounts?customer_id=3a4b5c6d-7e8f-4a9b-8c0d-1e2f3a4b5c6d&bank_code=", headers={ "Api-Key": os.environ["GRAVV_API_KEY"], }, ) print(response.status_code, response.json()) ``` ## Find out what is required - **The limit.** Read `max_accounts_per_customer` in capabilities, with this customer's `customer_id`. `null` means no limit. A limit counts all currencies of one option together, such as USD, EUR and GBP. - **Whether the bank knows the customer.** Read requirements with `customer_id` and `bank_code`. `has_existing_ref: true` means the bank already has this customer. The root fields disappear from `fields`, and your create request must not send `data.root`. - **An open application.** If requirements returns `existing_application`, an application is still open at that bank. Finish it first. See [Unblock an application](/recipes/accounts-v2/unblock-an-application). ## Steps ### 1. Open the account on the existing relationship With `has_existing_ref: true`, send only the top-level fields. Gravv applies no prefill and no defaults on this path, so `account_type` and `category` are required. Gravv drops any new document or new party you send, and does not upload it. ```bash title="cURL" curl --request POST \ --url https://api.gravv.xyz/v2/accounts \ --header 'Api-Key: ' \ --header 'Idempotency-Key: 239eff27-b43e-4c5a-bf9e-2a9505c0b70a' \ --header 'Content-Type: application/json' \ --data ' { "customer_id": "3a4b5c6d-7e8f-4a9b-8c0d-1e2f3a4b5c6d", "customer_type": "business", "currency": "GBP", "account_type": "operating", "category": "sub_account", "bank_code": "", "network": "polygon", "label": "Brightleaf GBP" } ' ``` ```javascript title="Node" const response = await fetch("https://api.gravv.xyz/v2/accounts", { method: "POST", headers: { "Api-Key": process.env.GRAVV_API_KEY, "Idempotency-Key": "239eff27-b43e-4c5a-bf9e-2a9505c0b70a", "Content-Type": "application/json", }, body: JSON.stringify({ "customer_id": "3a4b5c6d-7e8f-4a9b-8c0d-1e2f3a4b5c6d", "customer_type": "business", "currency": "GBP", "account_type": "operating", "category": "sub_account", "bank_code": "", "network": "polygon", "label": "Brightleaf GBP" }), }); console.log(response.status, await response.json()); ``` ```python title="Python" import os import requests response = requests.post( "https://api.gravv.xyz/v2/accounts", headers={ "Api-Key": os.environ["GRAVV_API_KEY"], "Idempotency-Key": "239eff27-b43e-4c5a-bf9e-2a9505c0b70a", "Content-Type": "application/json", }, json={ "customer_id": "3a4b5c6d-7e8f-4a9b-8c0d-1e2f3a4b5c6d", "customer_type": "business", "currency": "GBP", "account_type": "operating", "category": "sub_account", "bank_code": "", "network": "polygon", "label": "Brightleaf GBP", }, ) print(response.status_code, response.json()) ``` The API returns `{"account_id": "…", "status": "pending"}`. Follow the account as you would a first account. ## What can go wrong | Response | Why | Fix | | :-- | :-- | :-- | | 409 `this customer already holds the maximum number of USD/EUR/GBP accounts permitted for this account type (5)` | The customer's `pending` and `active` accounts at this option and type reached the limit | Reuse an account, or ask support to raise this customer's limit | | 409 `this customer already holds the maximum number of EUR/GBP accounts permitted for this account type (1)` | The customer already has the one account the one-IBAN option allows | Use that account | | 409 `customer already has an application in progress for this bank` | An earlier application is open | [Unblock it](/recipes/accounts-v2/unblock-an-application) or wait | | 409 `this account provider is currently disabled for this account` | Gravv switched this option off for your business or this customer | Use another option, or contact support | | 400 `this customer already has an existing reference at the resolved bank; root-level fields are no longer accepted for it …` | You sent `data.root` with an existing reference | Remove `data.root` | | 400 on a missing `category` or `account_type` | This path applies no defaults | Always send both | | The Dashboard says "already has an application open at this bank" | The Dashboard shows that text for every 409 | Read the API's 409 message. It is usually the limit | Do not retry a 409 with the same body. ## Webhooks you will receive You receive the same events as for a first account, `applications.accounts.*`. See [Account application events](/platform/webhooks/event-catalogue#account-applications). ## Testing in sandbox Limits apply in sandbox too, and sandbox and live counts are separate. Sandbox limits can differ from live, so read them from capabilities. ## Reference - [List accounts](/api-reference/accounts-v2/get-v2-accounts) - [Get account requirements](/api-reference/accounts-v2/get-v2-accounts-requirements) - [Create an account](/api-reference/accounts-v2/post-v2-accounts)