# Create an account

You can create business or individual accounts for your users (i.e., customers, merchants) by passing the required information to Moov. Requirements differ per account type and requested [capabilities](https://docs.moov.io/guides/accounts/capabilities/reference/).

The `transfers` capability is automatically requested for every account. If you request any capability beyond `transfers` (for example, `send-funds.ach`, `collect-funds.card-payments`), you'll need to:

- Send Moov the user's [platform terms of service agreement](https://docs.moov.io/guides/accounts/requirements/platform-agreement/) acceptance. This can be done at account creation, or by [patching](https://docs.moov.io/api/moov-accounts/accounts/patch/) the account using the `termsOfService` field.
- Fulfill the [verification and underwriting requirements](https://docs.moov.io/guides/accounts/requirements/) for each requested capability. A capability isn't enabled until its requirements pass — check the capability's status to see what's still outstanding.

If you're creating a business account, depending on the business type, you'll also need to:

- Provide [business representatives](https://docs.moov.io/api/moov-accounts/representatives/) after creating the account.
- [Patch](https://docs.moov.io/api/moov-accounts/accounts/patch/) the account to indicate that business representative ownership information is complete.

Visit our documentation to read more about [creating accounts](https://docs.moov.io/guides/accounts/create-accounts/) and [verification requirements](https://docs.moov.io/guides/accounts/requirements/identity-verification/). Note that the `mode` field (for production or sandbox) is only required when creating a Partner account. All other account requests will ignore the mode field and be set to the calling Partner account's mode.

To access this endpoint using an [access token](https://docs.moov.io/api/authentication/access-tokens/) you'll need to specify the `/accounts.write` scope.

## POST

### /accounts

### Ask

```shell
curl -X POST "https://api.moov.io/accounts" \
  -H "Authorization: Bearer {token}" \
  -H "X-Moov-Version: v2026.07.00" \
  -d '{
  "accountType": "business",
  "profile": {
    "business": {
      "businessType": "llc",
      "legalBusinessName": "Whole Body Fitness LLC",
      "website": "wbfllc.com"
    }
  }
}'
```

### Ask

```go
mc, _ := moov.NewClient()

mc.CreateAccount(ctx, moov.CreateAccount{
  Type: moov.AccountType_Business,
  Profile: moov.CreateProfile{
    Business: &moov.CreateBusinessProfile{
      Name: "Whole Body Fitness LLC",
      Type: "llc",
      Website: "wbfllc.com",
    },
  },
})
```

### Ask

```typescript
import { Moov } from "@moovio/sdk";

const moov = new Moov({
  security: {
    username: "",
    password: "",
  },
});

async function run() {
  const result = await moov.accounts.create({
    accountType: "business",
    profile: {
      business: {
        legalBusinessName: "Whole Body Fitness LLC",
      },
    },
  });

console.log(result);
}

run();
```

### Ask

```php
declare(strict_types=1);

require 'vendor/autoload.php';

use Moov\