--- title: "Open a wallet-backed EUR or GBP account" description: "Open a EUR account with an IBAN or a GBP account with a sort code, for a person or a business, whose deposits arrive as USDC." --- Open a EUR account with an IBAN, or a GBP account with a sort code, for a person or a business. Deposits to the account arrive as USDC. **API version:** v2. **Who it is for.** A cross-border payroll company that pays EU and UK contractors. It wants each contractor's euro or pound income to arrive as USDC that it can pay out on any rail. **Status.** EUR is Available on two options. GBP is Available on one. Gravv does not offer either currency in every country, so read capabilities for each customer. ## Money example A German agency pays Lucas, a freelance designer in Lisbon, 2,000.00 EUR. 1. The agency sends 2,000.00 EUR by SEPA to Lucas's IBAN. 2. The bank converts the euros to USDC and delivers them to the account's wallet on polygon. 3. Gravv sends `transfer.inflow.deposit_settled` with the booked `amount` and `currency`. ## Before you start - The customer's `basic` KYC is `completed`. - Capabilities with `currency=EUR` (or `GBP`) list an option with a non-empty `token_wallets`. For GBP, only the USD, EUR and GBP option qualifies. Its account limit counts USD, EUR and GBP accounts together. - Plan for the customer to open a link. This option often asks them to accept the bank's terms. ## Find out what is required EUR and GBP use the **same form** as USD for the same option, so the tables in [Open a wallet-backed USD account for a person](/recipes/accounts-v2/open-a-wallet-backed-usd-account-for-a-person#find-out-what-is-required) and [for a business](/recipes/accounts-v2/open-a-wallet-backed-usd-account-for-a-business#find-out-what-is-required) apply. On the USD, EUR and GBP option, two more rules apply: - The form asks for `expected_activity.ach_in.*` even for EUR and GBP. `0` is a valid count. - Anyone who is not a US citizen must answer `immigration_status` (`permanent_resident`, `non_permanent_resident` or `non_resident`) and the four `international_supplement` questions. The EUR and USD option does not offer GBP. ## Steps ### 1. Open the account ```bash title="cURL" curl --request POST \ --url https://api.gravv.xyz/v2/accounts \ --header 'Api-Key: ' \ --header 'Idempotency-Key: 2f1ba63b-bfa7-4096-b1f5-d67c262feec1' \ --header 'Content-Type: application/json' \ --data ' { "customer_id": "7c8d9e0f-1a2b-4c3d-9e4f-5a6b7c8d9e0f", "customer_type": "individual", "currency": "EUR", "account_type": "operating", "category": "sub_account", "bank_code": "", "network": "polygon", "label": "Lucas EUR", "data": { "root": { "first_name": "Lucas", "last_name": "Ferreira", "date_of_birth": "1993-08-21", "email": "lucas.ferreira@example.com", "citizenship_country": "PT", "tax_residence_country": "PT", "immigration_status": "non_resident", "permanent_address": {"address_line": "Rua Augusta 100", "city": "Lisboa", "state": "PT-11", "postal_code": "1100-053", "country": "PT"}, "international_supplement": {"has_us_bank_account": false, "has_denied_bank_account": false, "has_regulatory_action": false, "is_politically_exposed": false}, "expected_activity": {"expected_avg_daily_balance": 3000, "ach_in": {"monthly_count": 0, "monthly_amount": 0}} }, "documents": [ {"document_type": "national_id", "document_type_side": "front", "issuing_country": "PT", "number": "123456789ZZ1", "issued_date": "2021-02-01", "expiration_date": "2031-02-01", "filename": "id-front.jpg", "content": ""}, {"document_type": "proof_of_address", "issuing_country": "PT", "filename": "bill.pdf", "content": ""} ] } } ' ``` ```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": "2f1ba63b-bfa7-4096-b1f5-d67c262feec1", "Content-Type": "application/json", }, body: JSON.stringify({ "customer_id": "7c8d9e0f-1a2b-4c3d-9e4f-5a6b7c8d9e0f", "customer_type": "individual", "currency": "EUR", "account_type": "operating", "category": "sub_account", "bank_code": "", "network": "polygon", "label": "Lucas EUR", "data": { "root": { "first_name": "Lucas", "last_name": "Ferreira", "date_of_birth": "1993-08-21", "email": "lucas.ferreira@example.com", "citizenship_country": "PT", "tax_residence_country": "PT", "immigration_status": "non_resident", "permanent_address": { "address_line": "Rua Augusta 100", "city": "Lisboa", "state": "PT-11", "postal_code": "1100-053", "country": "PT" }, "international_supplement": { "has_us_bank_account": false, "has_denied_bank_account": false, "has_regulatory_action": false, "is_politically_exposed": false }, "expected_activity": { "expected_avg_daily_balance": 3000, "ach_in": { "monthly_count": 0, "monthly_amount": 0 } } }, "documents": [ { "document_type": "national_id", "document_type_side": "front", "issuing_country": "PT", "number": "123456789ZZ1", "issued_date": "2021-02-01", "expiration_date": "2031-02-01", "filename": "id-front.jpg", "content": "" }, { "document_type": "proof_of_address", "issuing_country": "PT", "filename": "bill.pdf", "content": "" } ] } }), }); 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": "2f1ba63b-bfa7-4096-b1f5-d67c262feec1", "Content-Type": "application/json", }, json={ "customer_id": "7c8d9e0f-1a2b-4c3d-9e4f-5a6b7c8d9e0f", "customer_type": "individual", "currency": "EUR", "account_type": "operating", "category": "sub_account", "bank_code": "", "network": "polygon", "label": "Lucas EUR", "data": { "root": { "first_name": "Lucas", "last_name": "Ferreira", "date_of_birth": "1993-08-21", "email": "lucas.ferreira@example.com", "citizenship_country": "PT", "tax_residence_country": "PT", "immigration_status": "non_resident", "permanent_address": { "address_line": "Rua Augusta 100", "city": "Lisboa", "state": "PT-11", "postal_code": "1100-053", "country": "PT", }, "international_supplement": { "has_us_bank_account": False, "has_denied_bank_account": False, "has_regulatory_action": False, "is_politically_exposed": False, }, "expected_activity": { "expected_avg_daily_balance": 3000, "ach_in": { "monthly_count": 0, "monthly_amount": 0, }, }, }, "documents": [ { "document_type": "national_id", "document_type_side": "front", "issuing_country": "PT", "number": "123456789ZZ1", "issued_date": "2021-02-01", "expiration_date": "2031-02-01", "filename": "id-front.jpg", "content": "", }, { "document_type": "proof_of_address", "issuing_country": "PT", "filename": "bill.pdf", "content": "", }, ], }, }, ) print(response.status_code, response.json()) ``` The API returns `{"account_id": "…", "status": "pending"}`. For GBP, send `"currency": "GBP"` with the same option's `bank_code`. ### 2. Send the customer to the terms, if asked Read `GET /v2/accounts/{id}`. This option often blocks with `status_reason` `tos_pending`. Give the customer `required_action_url` so that they can accept the bank's terms. The API has no call to accept them. The account resumes on its own after the customer accepts. See [Unblock an application](/recipes/accounts-v2/unblock-an-application). ### 3. Give the details to the payer When the account is `active`, show the IBAN and BIC for EUR, or the account number and sort code for GBP. See [Share account details and receive a deposit](/recipes/accounts-v2/share-account-details-and-receive-a-deposit). If the customer already has a USD or EUR account at this option, the bank already knows them. For a GBP account, requirements then shows `has_existing_ref: true`, and you send **no** `data.root` on create. See [Open a second account](/recipes/accounts-v2/open-a-second-account). ## What can go wrong Every error in the [USD recipes](/recipes/accounts-v2/open-a-wallet-backed-usd-account-for-a-person#what-can-go-wrong) can happen here too. These errors are specific to EUR and GBP: | Response | Why | Fix | | :-- | :-- | :-- | | 400 `bank_code= does not offer currency=GBP; it offers EUR or USD. …` (`CURRENCY_NOT_SUPPORTED`) | You asked for GBP on the EUR and USD option | Use the USD, EUR and GBP option | | 400 `details.immigration_status`: `required: is required` | A non-US citizen did not answer the questions | Answer them | | 400 `details.expected_activity.ach_in.monthly_count`: `required: is required` | This option asks for it on every currency | Send the numbers. 0 is valid | | 409 `this customer already holds the maximum number of USD/EUR/GBP accounts permitted for this account type (5)` | The customer already has five accounts across the three currencies | [Open a second account](/recipes/accounts-v2/open-a-second-account) | | 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` for a second account at this option | Drop `data.root` | | `status_reason` `tos_pending` and nothing happens | The customer has not opened the link | Send them to `required_action_url` | ## Webhooks you will receive Gravv sends `applications.accounts.pending`, then `applications.accounts.blocked` with `metadata.block_reason` `tos_pending` and `metadata.action_url`, then `applications.accounts.completed`. See [Account application events](/platform/webhooks/event-catalogue#account-applications). ## Testing in sandbox Both options call their banks' test systems, and neither is instant. Simulate deposits with `rail` `sepa` (EUR) or `fps` (GBP). ## Reference - [Create an account](/api-reference/accounts-v2/post-v2-accounts) - [Get an account](/api-reference/accounts-v2/get-v2-accounts-id) - [Fix a blocked application](/platform/accounts/fix-a-blocked-application)