Required Documents

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Take note of the following

  • The Document provided must be a valid Government-Issued Identification Card (ID)
  • All documents, with the exception of international passports, must be presented with both the front and back views else the request for a virtual account will be rejected.
  • The Document upload should be in the format (jpg, jpeg, png),resolution of 600 x 600 pixels and maximum file size of 50MB
  • Only requests for Individual and NGN corporate virtual accounts will be instantly approved.

Individual NGN Virtual Account

NOTE: No documents are required to create a Naira bank account(NGN).

Below is a sample payload request:

{
    "dateOfBirth": "10-12-1993",
    "accountType": "individual",
    "currency": "NGN",
    "KYCInformation": {"firstName": "rita", "lastName": "general", "bvn": "090909909"}
}

Individual Multicurrency Virtual Account

The individual multicurrency virtual account allows users to create a multiple-currency virtual account by calling a single endpoint

Below are the required documents for individual multicurrency virtual account

DocumentAPI ValueDescription
International PassportpassportThe International passport of the customer
Driver LicensedriverLicenseThe driver's licence of the customer
National ID cardnationalIdNational ID card, NIN
Voters CardvotersCardVoters card
Proof of AddressbankStatementIndividual's bank statements

Below is the payload request:

{
    {"currency":"MCY",
  "meansOfId":["https://reviewtestbucket.s3.amazonaws.com/va_documents/passport-min-compressed_f5f30001-34cc-466b-a49f-4931b6531117.jpg"],
            "utilityBill":"https://reviewtestbucket.s3.amazonaws.com/va_documents/image%20%2816%29_04a5a024-14de-491e-9ecf-2861dd111cb7.png",
            "bankStatement": "https://reviewtestbucket.s3.amazonaws.com/va_documents/ZEN_20220801_20221031_191_AAAAA_152_-387091521_1668626227521_feeaa8e5-28b9-487a-1172-f1b5ecc96158.pdf",
            "accountType":"individual",
 "KYCInformation": {
            "firstName": "John",
            "lastName": "Doe",
            "email": "[email protected]",
            "birthDate": "1984-07-24",
            "nationality": "NG",
            "incomeBand": "0-100000",
            "phone": "09031234321",
            "address": {
                "countryOfResidence": "NG",
                "zip": "23401",
                "street": "Obada",
                "number":"10",
                "state": "Lagos",
                "city": "Alimosho"
            },
            "document": {
                "type": "passport",
                "number": "B00530002",
                "issuedCountryCode": "NG",
                "issuedBy": "government",
                "issuedDate": "2000-09-14",
                "expirationDate": "2000-09-13"
            },
            "occupation": "Software-Developer",
            "sourceOfIncome": "Software-Development",
            "accountDesignation": "personal",
            "employmentStatus": "Employed"
        }
  }

Below are the list of currencies that the MCY endpoint provides

CurrencyCurrency Name
DKKDanish Krone
HUFHungarian Forint
NOKNorwegian Krone
PLNPolish Zloty
RONRomanian Leu
SHFSwiss Franc
CZKCzech Koruna
SEKSwedish Krona
EUREuro
USDUnited States Dollar

Individual GBP Virtual Account

The individual GBP virtual account allows users to create ONLY GBP virtual account

Below are the required documents for individual GBP virtual account

DocumentApi ValueDescription
International PassportpassportThe International passport of the customer
Driver LicensedriverLicenseThe driver's licence of the customer
National ID cardnationalIdNational ID card, NIN
Voters CardvotersCardVoters card
Proof of AddressbankStatementIndividual's bank statement

Below is a sample payload request:

{
    {"currency":"GBP",
  "meansOfId":["https://reviewtestbucket.s3.amazonaws.com/va_documents/passport-min-compressed_f5f30001-34cc-466b-a49f-4931b6531117.jpg"],
            "utilityBill":"https://reviewtestbucket.s3.amazonaws.com/va_documents/image%20%2816%29_04a5a024-14de-491e-9ecf-2861dd111cb7.png",
            "bankStatement": "https://reviewtestbucket.s3.amazonaws.com/va_documents/ZEN_20220801_20221031_191_AAAAA_152_-387091521_1668626227521_feeaa8e5-28b9-487a-1172-f1b5ecc96158.pdf",
            "accountType":"individual",
 "KYCInformation": {
            "firstName": "John",
            "lastName": "Doe",
            "email": "[email protected]",
            "birthDate": "1984-07-24",
            "nationality": "NG",
            "incomeBand": "0-100000",
            "phone": "09031234321",
            "address": {
                "countryOfResidence": "NG",
                "zip": "23401",
                "street": "Obada",
                "number":"10",
                "state": "Lagos",
                "city": "Alimosho"
            },
            "document": {
                "type": "passport",
                "number": "B00530002",
                "issuedCountryCode": "NG",
                "issuedBy": "government",
                "issuedDate": "2000-09-14",
                "expirationDate": "2000-09-13"
            },
            "occupation": "Software-Developer",
            "sourceOfIncome": "Software-Development",
            "accountDesignation": "personal",
            "employmentStatus": "Employed"
        }
  }

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Please take note

  • The meansOfId field references the document.type object which is the passport.
  • The meansOfId field can contain a URL link, an array of URL links, or a file upload of the user's passport or whatever type of document was selected. As we can see from this example, the document object has a property called type, which can be any of the documents we accept, such as an international passport or an ID card.
  • The document.type field can only accept driverLicense , passport and idCard any other value will prevent your virtual account from getting approved.
  • The meansOfId field must represent the document.type field i.e If you upload an international passport the API value of the document.type field should be passport else the virtual account will not be created. Please see the table below for guidance.

Corporate NGN Virtual Account

NOTE: No documents are required to create a Naira bank account(NGN).

{
    "dateOfBirth": "10-12-1993",
    "accountType": "corporate",
    "currency": "NGN",
    "KYCInformation": {"bvn": "90909090909", "bvnName": "jane foster", businessName": "jane"},
    "channel": "wema"
}

Please note that this BVN must match the details of any of the Director on the CAC record for the corporate entity

Corporate Multicurrency Virtual Account

The corporate multicurrency virtual account allows users to create a multiple-currency virtual account by calling a single endpoint.

Below are the required documents for a corporate multicurrency virtual account

Document
Company Incorporation _ Certificate
Shareholder Register Memorandum & Article of Association Director Register
Proof of Address (Bank statement only)
Documents for the individual shareholders & directors

Please note that these documents will be taken from the information provided during KYC onboarding

Below is the sample payload request

{
  "currency": "MCY",
  "accountType": "corporate",
  "KYCInformation": {
        "city": "Lekki",
        "state": "lagos",
        "zip": "234",
    "houseId": "12345" //for UK residents
      },
   "reason": "The reason for requesting a corporate account",
  "monthlyVolume": 10000,
  "entityName": "john doe legal enterprise",
  "paymentFlowDescription": "we pay in pounds every month",
}

Below are the list of currencies that the MCY endpoint provides

CurrencyCurrency Name
DKKDanish Krone
HUFHungarian Forint
NOKNorwegian Krone
PLNPolish Zloty
RONRomanian Leu
SHFSwiss Franc
CZKCzech Koruna
SEKSwedish Krona
EUREuro
USDUnited States Dollar

Corporate GBP Virtual Account

The corporate GBP virtual account allows users to create ONLY GBP virtual account

Below are the required documents for individual GBP virtual account

Document
Company Incorporation _ Certificate
Shareholder Register Memorandum & Article of Association Director Register
Proof of Address (Bank statement only)
Documents for the individual shareholders & directors

Please note that these documents will be taken from the information provided during KYC onboarding

Below is a sample payload request

{
  "currency": "GBP",
  "accountType": "corporate",
  "KYCInformation": {
        "city": "Lekki",
        "state": "lagos",
        "zip": "234",
    "houseId": "12345" //for UK residents
      },
   "reason": "The reason for requesting a corporate account",
  "monthlyVolume": 10000,
  "entityName": "john doe legal enterprise",
  "paymentFlowDescription": "we pay in pounds every month",
}