Accounts

Accounts are your bank accounts with Increase. They store money, receive transfers, and send payments. They earn interest and have depository insurance.

Events

Your application can listen to webhooks about this resource. The events about Accounts will have the categories "account.created" or "account.updated" .

The Account object

{
  "account_revenue_rate": null,
  "bank": "first_internet_bank",
  "closed_at": null,
  "created_at": "2020-01-31T23:59:59Z",
  "currency": "USD",
  "entity_id": "entity_n8y8tnk2p9339ti393yi",
  "funding": "deposits",
  "id": "account_in71c4amph0vgo2qllky",
  "idempotency_key": null,
  "informational_entity_id": null,
  "interest_rate": "0.055",
  "loan": null,
  "name": "My first account!",
  "program_id": "program_i2v2os4mwza1oetokh9i",
  "status": "open",
  "type": "account"
}

Attributes

account_revenue_rate

string

Nullable

The account revenue rate currently being earned on the account, as a string containing a decimal number. For example, a 1% account revenue rate would be represented as “0.01”. Account revenue is a type of non-interest income accrued on the account.

bank

enum

The bank the Account is with.

closed_at

string

Nullable

The ISO 8601 time at which the Account was closed.

created_at

string

The ISO 8601 time at which the Account was created.

currency

enum

The ISO 4217 code for the Account currency.

entity_id

string

The identifier for the Entity the Account belongs to.

More about Entities.

funding

enum

Whether the Account is funded by a loan or by deposits.

string

The Account identifier.

idempotency_key

string

Nullable

The idempotency key you chose for this object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about idempotency.

informational_entity_id

string

Nullable

The identifier of an Entity that, while not owning the Account, is associated with its activity.

More about Entities.

interest_rate

string

The interest rate currently being earned on the account, as a string containing a decimal number. For example, a 1% interest rate would be represented as “0.01”.

loan

dictionary

Nullable

The Account’s loan-related information, if the Account is a loan account.

name

string

The name you choose for the Account.

program_id

string

The identifier of the Program determining the compliance and commercial terms of this Account.

More about Programs.

status

enum

The status of the Account.

type

string

A constant representing the object’s type. For this resource it will always be account.

List Accounts

curl \
  --url "${INCREASE_URL}/accounts?entity_id=entity_n8y8tnk2p9339ti393yi" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}"

Returns a list response :

{
  "data": [
    { /* Account object */ },
    { /* Account object */ }
    /* ... */
  ],
  "next_cursor": "v57w5d",
}

Parameters

entity_id

string

Filter Accounts for those belonging to the specified Entity.

More about Entities.

informational_entity_id

string

Filter Accounts for those belonging to the specified Entity as informational.

More about Entities.

program_id

string

Filter Accounts for those in a specific Program.

More about Programs.

status.in

array of strings

Filter Accounts for those with the specified status. For GET requests, this should be encoded as a comma-delimited string, such as ?in=one,two,three.

idempotency_key

string

Filter records to the one with the specified idempotency_key you chose for that object. This value is unique across Increase and is used to ensure that a request is only processed once. Learn more about idempotency.

Between 1 and 200 characters

cursor

string

limit

integer

created_at.after

string

created_at.before

string

created_at.on_or_after

string

created_at.on_or_before

string

Create an Account

curl -X "POST" \
  --url "${INCREASE_URL}/accounts" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}" \
  -H "Content-Type: application/json" \
  -d $'{
    "entity_id": "entity_n8y8tnk2p9339ti393yi",
    "name": "New Account!",
    "program_id": "program_i2v2os4mwza1oetokh9i"
  }'

Parameters

entity_id

string

The identifier for the Entity that will own the Account.

More about Entities.

funding

enum

Whether the Account is funded by a loan or by deposits.

informational_entity_id

string

The identifier of an Entity that, while not owning the Account, is associated with its activity. This is generally the beneficiary of the funds.

More about Entities.

loan

dictionary

The loan details for the account.

name

string

Required

The name you choose for the Account.

Between 1 and 200 characters

program_id

string

The identifier for the Program that this Account falls under. Required if you operate more than one Program.

More about Programs.

Retrieve an Account

curl \
  --url "${INCREASE_URL}/accounts/account_in71c4amph0vgo2qllky" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}"

Parameters

account_id

string

Required

The identifier of the Account to retrieve.

More about Accounts.

Update an Account

curl -X "PATCH" \
  --url "${INCREASE_URL}/accounts/account_in71c4amph0vgo2qllky" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}" \
  -H "Content-Type: application/json" \
  -d $'{
    "name": "My renamed account"
  }'

Parameters

account_id

string

Required

The identifier of the Account to update.

More about Accounts.

loan

dictionary

The loan details for the account.

name

string

The new name of the Account.

Between 1 and 200 characters

Retrieve an Account Balance

Retrieve the current and available balances for an account in minor units of the account’s currency. Learn more about account balances.

curl \
  --url "${INCREASE_URL}/accounts/account_in71c4amph0vgo2qllky/balance" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}"

Returns a Balance Lookup object:

{
  "account_id": "account_in71c4amph0vgo2qllky",
  "available_balance": 100,
  "current_balance": 100,
  "loan": null,
  "type": "balance_lookup"
}

Parameters

account_id

string

Required

The identifier of the Account to retrieve.

More about Accounts.

at_time

string

The moment to query the balance at. If not set, returns the current balances.

Close an Account

curl -X "POST" \
  --url "${INCREASE_URL}/accounts/account_in71c4amph0vgo2qllky/close" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}"

Parameters

account_id

string

Required

The identifier of the Account to close. The account must have a zero balance.

More about Accounts.

Sandbox: Create an account revenue payment

Simulates an account revenue payment to your account. In production, this happens automatically on the first of each month.

curl -X "POST" \
  --url "${INCREASE_URL}/simulations/account_revenue_payments" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}" \
  -H "Content-Type: application/json" \
  -d $'{
    "account_id": "account_in71c4amph0vgo2qllky",
    "amount": 1000
  }'

Returns a Transaction object:

{
  "account_id": "account_in71c4amph0vgo2qllky",
  "amount": 100,
  "created_at": "2020-01-31T23:59:59Z",
  "currency": "USD",
  "description": "Revenue Payment for My first account! in 2025-06",
  "id": "transaction_uyrp7fld2ium70oa7oi",
  "route_id": null,
  "route_type": null,
  "source": {
    "account_revenue_payment": {
      "accrued_on_account_id": "account_in71c4amph0vgo2qllky",
      "period_end": "2025-06-30T23:59:59+00:00",
      "period_start": "2025-06-01T00:00:00+00:00"
    },
    "category": "account_revenue_payment"
  },
  "type": "transaction"
}

Parameters

account_id

string

Required

The identifier of the Account the Account Revenue Payment should be paid to.

More about Accounts.

accrued_on_account_id

string

The identifier of the Account the account revenue accrued on. Defaults to account_id.

More about Accounts.

amount

integer

Required

The account revenue amount in cents. Must be positive.

period_end

string

The end of the account revenue period. If not provided, defaults to the current time.

period_start

string

The start of the account revenue period. If not provided, defaults to the current time.

Sandbox: Create an interest payment

Simulates an interest payment to your account. In production, this happens automatically on the first of each month.

curl -X "POST" \
  --url "${INCREASE_URL}/simulations/interest_payments" \
  -H "Authorization: Bearer ${INCREASE_API_KEY}" \
  -H "Content-Type: application/json" \
  -d $'{
    "account_id": "account_in71c4amph0vgo2qllky",
    "amount": 1000
  }'

Returns a Transaction object:

{
  "account_id": "account_in71c4amph0vgo2qllky",
  "amount": 100,
  "created_at": "2020-01-31T23:59:59Z",
  "currency": "USD",
  "description": "Interest payment for 2025-06",
  "id": "transaction_uyrp7fld2ium70oa7oi",
  "route_id": null,
  "route_type": null,
  "source": {
    "category": "interest_payment",
    "interest_payment": {
      "accrued_on_account_id": "account_in71c4amph0vgo2qllky",
      "amount": 100,
      "currency": "USD",
      "period_end": "2025-06-30T23:59:59+00:00",
      "period_start": "2025-06-01T00:00:00+00:00"
    }
  },
  "type": "transaction"
}

Parameters

account_id

string

Required

The identifier of the Account the Interest Payment should be paid to is for.

More about Accounts.

accrued_on_account_id

string

The identifier of the Account the Interest accrued on. Defaults to account_id.

More about Accounts.

amount

integer

Required

The interest amount in cents. Must be positive.

period_end

string

The end of the interest period. If not provided, defaults to the current time.

period_start

string

The start of the interest period. If not provided, defaults to the current time.