# Global Accounts Global Accounts enable you to receive bank transfers into and authorize direct debit payouts from the Wallet. Learn how to create, manage and use Global Accounts in the region and currency of choice, as well as retrieve transaction details for the purposes of reconciliation, proof of funds, data analysis using [Airwallex API](/api/core_resources/global_accounts). ## Before you begin - [Obtain your access token](/api/authentication/api_access_token) by authenticating to Airwallex using your unique Client ID and API key. You will need the access token to make API calls. - Set up [webhooks](https://www.airwallex.com/docs/developer-tools/webhooks/listen-for-webhook-events.md) to receive notifications on [Global Account events](https://www.airwallex.com/docs/developer-tools/webhooks/listen-for-webhook-events/global-accounts.md). - If your business requires a large number of Global Accounts, please contact your Airwallex Account Manager. - As a platform, you can call all Global Accounts API endpoints on behalf of your connected accounts by specifying the connected account's open ID (in the format `acct_xxxxxx`) in the `x-on-behalf-of` header of your API request. To learn about how you can register as a platform and set up this solution, see [Global Treasury](https://www.airwallex.com/docs/global-treasury/overview.md) and [Banking as a Service](https://www.airwallex.com/docs/banking-as-a-service/overview.md) solutions. ## Create a Global Account Use the [dynamic schema](/api/core_resources/global_accounts/create), you can retrieve the full list of supported currencies and their respective transfer methods in the sample API request for the selected country where the Global Account will be held. Based on this information, call the [Open a Global Account](/api/core_resources/global_accounts/create) endpoint with the following parameters: - `alternate_account_identifiers`\*: - `email`: Specify an email address for receiving funds via Interac e-Transfer Autodeposit. If omitted, Airwallex will register and return an Airwallex email. Refer to [Update your Global Account](https://www.airwallex.com/docs/global-treasury/get-started/global-accounts/manage-global-accounts#update-your-global-account.md) for an example request and supported email format. - `country_code`: Specify the region where the Global Account will be held. - `nick_name`: Specify a name to uniquely identify the Global Account. This is for your own record keeping only, and will not show up on bank statements. - `request_id`: Specify a unique identifier for the request. - `required_features`: Specify the supported currencies and transfer methods that you require for the region provided by passing an array of: - `currency`: Specify the currency that’s supported for the region provided. - `transfer_method`: Specify `LOCAL` or `SWIFT` depending on the region and currency. Optional when `stablecoin_wallet` is specified. - Each currency may support either `LOCAL`, `SWIFT`, or both `LOCAL` and `SWIFT` transfer methods. - The Global Account opened may support more than the specified `transfer_method`. Specifying `LOCAL` for a particular currency may open a Global Account that supports only `LOCAL`, or both `LOCAL` and `SWIFT` transfer methods. - `stablecoin_wallet`: Specify to receive stablecoin payments. Contains: - `asset`: The stablecoin asset type (e.g., `USDC`) - `network`: The blockchain network (e.g., `ETHEREUM`) - When `stablecoin_wallet` is specified, `transfer_method` is optional. See [Receive stablecoin payments](https://www.airwallex.com/docs/global-treasury/receive-funds/receive-stablecoin-payments.md) for the full flow. - See [Supported regions and currencies](https://www.airwallex.com/docs/global-treasury/market-and-infrastructure-coverage#global-accounts-coverage.md) to learn more about our supported transfer methods. \*Note: - Applicable to Canada CAD Global Accounts only The response will contain the bank account information of the Global Account including: - Global Account ID - Global Account details, `account_name`, `account_number`, `account_type`(`CHECKING`, `SAVING`, `CURRENT`), `alternate_account_identifiers` - Global Account status (`ACTIVE`, `PROCESSING`). See [Global Account statuses](https://www.airwallex.com/docs/global-treasury/get-started/global-accounts/global-account-statuses.md) for more information. - The `required_features` that was specified in the Open a Global Account API request - The `supported_features` of this Global Account, including the respective `transfer_method`, `local_clearing_system`, `routing_codes` and `type` of each `currency` supported by the Global Account in an array. - Each currency may support multiple `transfer_method` and/or `local_clearing_systems`, and in such cases, multiple objects of the same currency may appear in the `supported_features` array. - The `routing_codes` object specifies information such as `bank_code` and `branch_code` of the corresponding `transfer_method` or `local_clearing_system`. For example, `FEDWIRE` and `ACH` `routing_codes` will be returned in an array with different values under `local_clearing_systems` for a US Global Account. - The `type` returned in `supported_features` indicates the transaction type supported by the Global Account. - `DEPOSIT`: Supports receiving deposits for the respective currency and corresponding transfer method or local clearing system. - `DIRECT_DEBIT`: Supports direct debit payouts for the respective currency and corresponding transfer method or local clearing system. - When `DEPOSIT` and `DIRECT_DEBIT` are both supported, this will be returned as two line items under the `supported_features` array. - Global Account financial institution details, including bank name, branch name, bank address, and SWIFT code You can subscribe to [Global Account webhook events](https://www.airwallex.com/docs/developer-tools/webhooks/listen-for-webhook-events/global-accounts.md) to receive any Global Account status transitions. See [Global Account statuses](https://www.airwallex.com/docs/accounts/get-started/global-accounts/global-account-statuses.md) for more information. > **\[INFORMATIONAL]** > > For further considerations related to Interac e-Transfer Autodeposit, please refer to this [help article](https://help.airwallex.com/hc/en-gb/articles/9070569827727-Canada-Interac-e-Transfer-Guide) ### Example request ```shell curl -X POST https://api.sandbox.airwallex.com/api/v1/global_accounts/create \ -H 'Content-Type: application/json' \ -H 'Authorization: Bearer {{ACCESS_TOKEN}}' \ -d '{ "country_code": "US", "nick_name": "USD Account in US for Subsidiary Company ABC", "request_id": "7f687fe6-dcf4-4462-92fa-80335301d9d2", "required_features": [ { "currency": "USD", "transfer_method": "LOCAL" }, { "currency": "USD", "transfer_method": "SWIFT" }, { "currency": "USD", "stablecoin_wallet": { "asset": "USDC", "network": "ETHEREUM" } } ] }' ``` If you are registered as a platform account, you can call this endpoint on behalf of your connected accounts by specifying the open ID in the `x-on-behalf-of` header. ### Example response ```json { "account_name": "string", "account_number": "88888888", "account_type": "Checking", "country_code": "GP", "iban": "GB81LHVB04032900176471", "id": "7f687fe6-dcf4-4462-92fa-80335301d9d2", "institution": { "address": "Old Street Yard", "branch_name": "Test branch", "city": "London", "name": "Saxo Payments A/S", "zip_code": "018982" }, "nick_name": "GBP in UK for Subsidiary Company ABC", "request_id": "8d411ad4-aed6-1261-92fa-51225212e2e1", "required_features": [{ "currency": "USD", "transfer_method": "LOCAL", "type": "DEPOSIT" }, { "currency": "USD", "transfer_method": "SWIFT", "type": "DEPOSIT" }, { "currency": "USD", "stablecoin_wallet": { "asset": "USDC", "network": "ETHEREUM" } }], "status": "ACTIVE", "supported_features": [{ "currency": "USD", "transfer_method": "LOCAL", "local_clearing_system": "ACH", "routing_codes": [ { "type": "ach", "value": "040329212" } ], "type": "DEPOSIT" }, { "currency": "USD", "transfer_method": "LOCAL", "local_clearing_system": "FEDWIRE", "routing_codes": [ { "type": "wire", "value": "040329218" } ], "type": "DEPOSIT" }, { "currency": "USD", "transfer_method": "LOCAL", "local_clearing_system": "ACH", "routing_codes": [ { "type": "ach", "value": "040329212" } ], "type": "DIRECT_DEBIT" }, { "currency": "GBP", "transfer_method": "LOCAL", "local_clearing_system": "RTGS", "routing_codes": [ { "type": "bank_code", "value": "123" }, { "type": "branch_code", "value": "456" } ], "type": "DEPOSIT" }, { "currency": "USD", "stablecoin_wallet": { "asset": "USDC", "network": "ETHEREUM" }, "type": "DEPOSIT" }], "stablecoin_address": "0x1234567890abcdef1234567890abcdef12345678", "swift_code": "SXPYDEHH" } ``` ## Retrieve details of your Global Account Call [Get Global Account by ID](/api/core_resources/global_accounts/retrieve) by specifying Global Account ID in the endpoint URL. ### Example request ```shell curl -G https://api.sandbox.airwallex.com/api/v1/global_accounts/{{YOUR_GLOBAL_ACCOUNT_ID}} \ -H 'Authorization: Bearer {{ACCESS_TOKEN}}' ``` If you are registered as a platform account, you can call this endpoint on behalf of your connected accounts by specifying the open ID in the `x-on-behalf-of` header. ### Example response ```json { "account_name": "string", "account_number": "88888888", "account_type": "Checking", "country_code": "GP", "iban": "GB81LHVB04032900176471", "id": "7f687fe6-dcf4-4462-92fa-80335301d9d2", "institution": { "address": "Old Street Yard", "branch_name": "Test branch", "city": "London", "name": "Saxo Payments A/S", "zip_code": "018982" }, "nick_name": "GBP in UK for Subsidiary Company ABC", "request_id": "8d411ad4-aed6-1261-92fa-51225212e2e1", "required_features": [ { "currency": "GBP", "transfer_method": "LOCAL" } ], "status": "ACTIVE", "supported_features": [ { "currency": "GBP", "local_clearing_system": "ACH", "routing_codes": [ { "type": "sort_code", "value": "040329" } ], "transfer_method": "LOCAL", "type": "DEPOSIT" } ], "swift_code": "SXPYDEHH" } ``` You can also retrieve all Global Accounts associated with your Airwallex account using [Get a list of Global Accounts](/api/core_resources/global_accounts/list). You may filter the results based on: - Time period: indicating `from_created_at` and `to_created_at` - Currency requested during Global Account opening: `required_features.currency` - Currency supported by the Global Account: `supported_features.currency` - Pagination: utilising `page_size` and `page` cursor - Status: `ACTIVE`, `PROCESSING`,`FAILED`, `CLOSED`. See [Global Account statuses](https://www.airwallex.com/docs/global-treasury/get-started/global-accounts/global-account-statuses.md) for more information. ## Correspondent and Intermediary Banks for receiving deposits via SWIFT Sometimes, banks sending funds into Airwallex Global Accounts via **the SWIFT network** may ask for information about a correspondent or intermediary bank in order to complete the transaction. Below are the correspondent or intermediary banks that can be provided to your payer’s bank. To receive deposits via SWIFT for **Global Accounts with ACH routing number `ending in *6768`**, intermediary bank information should *always* be provided to the payer’s bank: | Currency | Intermediary Bank Name | Intermediary bank SWIFT Code | Intermediary Bank Address | Intermediary Bank City | Intermediary Bank ZIP Code | | -------- | ---------------------------- | ---------------------------- | ------------------------- | ---------------------- | -------------------------- | | USD | First National Banker’s Bank | FRNAUS44 | 7813 Office Park Blvd | Baton Rouge, LA | 70809 | To receive deposits via SWIFT for **Global Accounts with SWIFT code `SCBLHKHH`**, we recommend that the payer provides the following correspondent bank information to the payer’s bank: | Currency | Correspondent Bank Name | Correspondent Bank SWIFT Code | | -------- | ----------------------------------------------- | ----------------------------- | | USD | Standard Chartered Bank | SCBLUS33 | | EUR | Standard Chartered Bank | SCBLDEFX | | AUD | Australia and New Zealand Banking Group Limited | ANZBAU3M | | CAD | Royal Bank of Canada | ROYCCAT2 | | CHF | UBS Switzerland | UBSWCHZH80A | | GBP | Standard Chartered Bank | SCBLGB2L | | JPY | Standard Chartered Bank | SCBLJPJT | | NZD | ASB Bank Limited | ASBBNZ2A | | SGD | Standard Chartered Bank | SCBLSG22 | To receive deposits via SWIFT for **Global Accounts with SWIFT code `DHBKHKHH`**, we recommend that the payer provides the following intermediary and correspondent bank information to the payer’s bank: | Currency | Correspondent Bank Name | Correspondent Bank SWIFT Code | | -------- | ----------------------------------- | ----------------------------- | | USD | JP Morgan Chase Bank | CHASUS33 | | EUR | Barclays Bank Ireland PLC | BARCDEFF | | AUD | Commonwealth Bank of Australia | CTBAAU2S | | CAD | Toronto-Dominion Bank | TDOMCATTTOR | | CHF | UBS AG | UBSWCHZH80A | | GBP | National Westminster Bank PLC | NWBKGB2L | | JPY | Sumitomo Mitsui Banking Corporation | SMBCJPJT | | NZD | ASB Bank Limited | ASBBNZ2A | | SGD | DBS Bank Ltd | DBSSSGSG | To receive deposits via SWIFT for **Global Accounts with SWIFT code `SXPYDKKK`**, we recommend that the payer provides the following correspondent bank information to the payer’s bank: | Currency | Intermediary Bank Name | Intermediary Bank SWIFT Code | Correspondent Bank Name | Correspondent Bank SWIFT Code | | -------- | ---------------------- | ---------------------------- | ----------------------- | ----------------------------- | | USD | Citibank N.A. | CITIGB2L | - | - | | EUR | Banking Circle SA | BCIRLULL | - | - | | AED | Citibank N.A. | CITIGB2L | - | - | | AUD | Citibank N.A. | CITIGB2L | - | - | | CAD | Citibank N.A. | CITIGB2L | - | - | | CHF | Citibank N.A. | CITIGB2L | - | - | | CNY | Citibank N.A. | CITIGB2L | - | - | | CZK | Ceska Sporitelna | GIBACZPX | - | - | | GBP | Banking Circle SA | SAPYGB2L | - | - | | HKD | Citibank N.A. | CITIGB2L | - | - | | HUF | Citibank N.A. | CITIGB2L | - | - | | ILS | Citibank N.A. | CITIGB2L | - | - | | JPY | Citibank N.A. | CITIGB2L | - | - | | MXN | Citibank N.A. | CITIGB2L | Banco Citi México, S.A | CITIMXMMCVT | | NOK | Citibank N.A. | CITIGB2L | - | - | | NZD | Citibank N.A. | CITIGB2L | - | - | | PLN | PKO Bank Polski SA | BPKOPLPW | - | - | | RON | Citibank N.A. | CITIGB2L | - | - | | SGD | DBS Bank Ltd | DBSSSGSG | - | - | | ZAR | Citibank N.A. | CITIGB2L | - | - | To receive deposits via SWIFT for **Global Accounts with SWIFT code `SAPYGB2L`**, we recommend that the payer provides the following correspondent bank information to the payer’s bank: | Currency | Correspondent Bank Name | Correspondent Bank SWIFT Code | Correspondent Bank Country | Correspondent Bank Sort Code | Correspondent Bank City | | -------- | ----------------------------- | ----------------------------- | -------------------------- | ---------------------------- | ----------------------- | | GBP | National Westminster Bank Plc | NWBKGB2LXXX | 250 Bishops Gate | 600004 | London | ## Next steps - [Receive bank transfers to your Global Account](https://www.airwallex.com/docs/global-treasury/receive-funds/receive-bank-transfers-to-global-accounts.md) - [Simulate deposits to your Global Account](https://www.airwallex.com/docs/global-treasury/receive-funds/receive-bank-transfers-to-global-accounts/simulate-deposits-to-your-global-account.md) - [Retrieve your deposits](https://www.airwallex.com/docs/global-treasury/receive-funds/receive-bank-transfers-to-global-accounts/retrieve-your-deposits.md) - [Manage your Global Accounts](https://www.airwallex.com/docs/global-treasury/get-started/global-accounts/manage-global-accounts.md)