Accounts

Account and Sub-Account Events

EVENT	DESCRIPTION
`banking.account.created`	A new account is created. This account will be in the PENDING_DEPOSIT_ADDRESS state.
`banking.account.activated`	The account has been activated. A deposit account has been assigned, and its status is now ACTIVE
`banking.sub-account.activated`	A sub-account is activated. A deposit account has been assigned, and its status is now ACTIVE
`banking.sub-account.frozen`	A sub-account is frozen
`banking.sub-account.unfrozen`	A sub-account is unfrozen

Event Data

{
  "id": "0196ad53-ed99-7456-8464-e996d01fa113",
  "timestamp": 1746664364910,
  "event": "banking.account.created",
  "data": {
    "id": "0196c3bc-22d1-7dc6-b677-23768d1a38d5",
    "state": "PENDING_DEPOSIT_ADDRESS",
    "created_date": "2025-05-12T09:03:28.977Z",
    "updated_date": "2025-05-12T09:03:28.989Z",
    "currency": "NGN",
    "name": "My Institution",
    "type": "VIRTUAL_EXTERNAL",
    "deposit_addresses": [],
    "balances": {
      "available": 0,
      "pending": 0
    }
  }

{
  "id": "0196ad53-ed99-7456-8464-e996d01fa113",
  "timestamp": 1746664364910,
  "event": "banking.account.activated",
  "data": {
    "id": "0196c3bc-22d1-7dc6-b677-23768d1a38d5",
    "state": "ACTIVE",
    "created_date": "2025-05-12T09:03:28.977Z",
    "updated_date": "2025-05-12T09:03:28.989Z",
    "currency": "NGN",
    "name": "My Institution",
    "type": "VIRTUAL_EXTERNAL",
    "deposit_addresses": [
      {
        "type": "NUBAN",
        "data": {
          "nip_code": "169615",
          "bank_code": "684762",
          "bank_name": "Waza Bank",
          "account_name": "My Institution",
          "account_number": "7817057252"
        }
      }
    ],
    "balances": {
      "available": 0,
      "pending": 0
    }
  }

{
  "id": "0196ad53-ed99-7456-8464-e996d01fa113",
  "timestamp": 1746664364910,
  "event": "banking.sub-account.activated",
  "data": {
    "id": "0196c3bc-22d1-7dc6-b677-23768d1a38d5",
    "state": "ACTIVE",
    "created_date": "2025-05-12T09:03:28.977Z",
    "updated_date": "2025-05-12T09:03:28.989Z",
    "currency": "NGN",
    "name": "Roberts - Collins",
    "type": "VIRTUAL_EXTERNAL",
    "deposit_addresses": [
      {
        "type": "NUBAN",
        "data": {
          "nip_code": "169615",
          "bank_code": "684762",
          "bank_name": "Waza Bank",
          "account_name": "Roberts - Collins",
          "account_number": "7817057252"
        }
      }
    ],
    "balances": {
      "available": 0,
      "pending": 0
    },
    "classification": "customer",
    "customer": {
      "id": "0196c3bc-22a1-764d-8624-8fc460f075fd",
      "name": "Roberts - Collins",
      "client_reference": "test-ref"
    }
  }

{
  "id": "0196ad53-ed99-7456-8464-e996d01fa113",
  "timestamp": 1746664364910,
  "event": "banking.sub-account.frozen",
  "data": {
    "id": "0196c3bc-22d1-7dc6-b677-23768d1a38d5",
    "state": "FROZEN",
    "reason": "FRAUD",
    "created_date": "2025-05-12T09:03:28.977Z",
    "updated_date": "2025-05-12T09:03:28.989Z",
    "currency": "NGN",
    "name": "Roberts - Collins",
    "type": "VIRTUAL_EXTERNAL",
    "deposit_addresses": [
      {
        "type": "NUBAN",
        "data": {
          "nip_code": "169615",
          "bank_code": "684762",
          "bank_name": "Waza Bank",
          "account_name": "Roberts - Collins",
          "account_number": "7817057252"
        }
      }
    ],
    "balances": {
      "available": 0,
      "pending": 0
    },
    "classification": "customer",
    "customer": {
      "id": "0196c3bc-22a1-764d-8624-8fc460f075fd",
      "name": "Roberts - Collins",
      "client_reference": "test-ref"
    }
  }

{
  "id": "0196ad53-ed99-7456-8464-e996d01fa113",
  "timestamp": 1746664364910,
  "event": "banking.sub-account.unfrozen",
  "data": {
    "id": "0196c3bc-22d1-7dc6-b677-23768d1a38d5",
    "state": "ACTIVE",
    "created_date": "2025-05-12T09:03:28.977Z",
    "updated_date": "2025-05-12T09:03:28.989Z",
    "currency": "NGN",
    "name": "Roberts - Collins",
    "type": "VIRTUAL_EXTERNAL",
    "deposit_addresses": [
      {
        "type": "NUBAN",
        "data": {
          "nip_code": "169615",
          "bank_code": "684762",
          "bank_name": "Waza Bank",
          "account_name": "Roberts - Collins",
          "account_number": "7817057252"
        }
      }
    ],
    "balances": {
      "available": 0,
      "pending": 0
    },
    "classification": "customer",
    "customer": {
      "id": "0196c3bc-22a1-764d-8624-8fc460f075fd",
      "name": "Roberts - Collins",
      "client_reference": "test-ref"
    }
  }

Account Event Object

Field	Data Type	Description
`id`	`string`	Unique identifier for the webhook event (UUID format)
`event`	`string`	Account event type
`timestamp`	`number`	Unix timestamp in milliseconds when the event was generated
`data`	`object`	An object containing the account data. The Account Object or Sub Account Object