Open an account for a private client – version 2

In order to have better auto-approval conversion rate, we would like to introduce personal application version 2 changes. The overall process is kept the same, there are several changes in fields that are collected, also some formatting changes introduced to maintain API consistency. API should be available to test in stage from April, 2025.

Header changes:

Instead of X-Request-ID we introduce x-connectpay-requestid for tracing requests for both request and response headers.

Request body changes:

1. Fields that values were changed to PascalCase: account.connectionToLithuania, account.purposesOfAccount, account.sourceOfIncome, account.requestedProducts, merchant.paymentMethod
2. Source of Income selection is updated. New values introduced: Pension, Savings, Alimony, Social Benefits, Scholarship. Old values removed: Business profit or dividends, sale of investments or liquidation of portfolio, property sale, loan and financing, inheritance, gift.
3. Monthly gross turnover values slightly updated – adding more clarity on ranges.
4. New field introduced – Intended countries to transact with where a customer should provide a list of countries where and from where funds will be moving.
5. New field introduced – Occupation. To understand job or profession, referring to the work customers do to receive funds.
6. New field introduced – Company. Filled when Occupation is Employee. Customer’s workplace.
7. New field introduced – Position. Filled when Occupation is Employee. Customer’s position at their workplace.

Full request sample can be seen below:

{
  "person": {
    "personId": "6e0ab99b-f0f7-4ca9-b6d9-35670f5e4bf5",
    "isUbo": true,
    "pep": {
      "isPep": true,
      "position": "string"
    },
    "address": {
      "addressLine1": "string",
      "addressLine2": "string",
      "postcode": "string",
      "city": "string",
      "countryCode": "LT"
    },
    "taxIdentification": {
      "taxCountry": {
        "countryCode": "LT",
        "tin": 123123
      },
      "additionalTaxCountries": [
        {
          "countryCode": "LT",
          "tin": 1231232
        }
      ]
    }
  },
  "account": {
    "connectionToLithuania": [
      "WorkOwnRealEstateHaveCompanyInLt"
    ],
    "requestedProducts": [
      "RailsSwift"
    ],
    "purposesOfAccount": [
      "Salary"
    ],
    "purposesOfAccountAdditionalInformation": {
      "businessActivityRegistrationNo": 123123,
      "businessActivityIndustry": "Test Industry"
    },
    "purposesOfAccountOther": "string",
    "sourceOfIncome": "Other",
    "sourceOfIncomeOther": "Alternate source of income",
    "monthlyGrossTurnover": 1001_3000,
    "intendedCountriesToTransactWith": "LT",
    "occupation": "Employee",
    "occupationAdditionalDetails":{
      "company": "UAB Test123",
      "position": "Midle management"
    }
  },
  "merchant": {
    "paymentMethod": [
      "Card"
    ],
    "targets": {
      "countries": [
        "LT"
      ],
      "monthlyGrossTurnover": {
        "amount": 0,
        "currency": "str"
      }
    }
  }
}

Important! Application approval results in IBAN opening automatically. No additional actions to open an account are required. To receive an IBAN account number, use baasClientId received in Get application status API after application approval in Get BaaS Client accounts API.