--- title: "White Label Bank Accounts | Crassula" description: "Create deposit accounts for individuals, with or without linked card, IBAN, or internal payments. Set tariffs, statuses, and provider - auto or manual." url: "https://crassula.io/features/accounts/" lang: "en" image: "https://crassula.io/static/images/og/crassula-default.d7d01fb8a962.jpg" alternates: "en": "https://crassula.io/features/accounts/" "de": "https://crassula.io/de/features/accounts/" "es": "https://crassula.io/es/features/accounts/" "fr": "https://crassula.io/fr/features/accounts/" "x-default": "https://crassula.io/features/accounts/" index: "https://crassula.io/llms.txt" --- # Accounts Open personal and business accounts in one or many currencies, with IBANs or crypto addresses. Set roles and limits per account on the same ledger. - Multi-currency accounts - Virtual IBANs - Personal and business accounts - Account balances [Request demo](https://crassula.io/request-demo/) Accounts ## Build the account model your customers need. Individual and business accounts, multiple currencies and local account details - configured as one connected product. Banking that feels like your brand ## An everyday account. Entirely your bank. Give personal and business customers a familiar place to hold currencies, find their account details and manage their money. Your brand brings the experience together. - Personal and business journeys - A connected multi-currency experience ![Everyday mobile banking by a café window.](https://crassula.io/static/images/features/people/everyday-1200.e86174e595f2.webp) Account products ## One foundation. Different ways to bank. Create deposit accounts for individuals and accounts for legal entities, with a linked business payment card, IBAN or internal payments. Define the provider, default tariff and primary account rules for each product. - Personal and business account templates - Provider and price-list defaults - Primary account and fee-collection rules Related connectors [OpenPayd](https://crassula.io/connectors/app/openpayd/) [Railsr](https://crassula.io/connectors/app/railsr/) ![Personal account product - product configuration](https://crassula.io/static/images/features/configuration/accounts-products.21307815ad2a.svg?v=10) Currency configuration ## Let your customers bank in more places. Define which products are single or multi-currency and which currencies become available to customers. Connect local account details and virtual IBAN capabilities through the banking provider selected for your programme. - Currency availability by account product - Local account details where supported - Virtual IBANs for payment identification Related connectors [Currencycloud](https://crassula.io/connectors/app/currencycloud/) [OpenPayd](https://crassula.io/connectors/app/openpayd/) ![Currency and local-details policy - product configuration](https://crassula.io/static/images/features/configuration/accounts-currencies.d9c5f8d1e719.svg?v=10) Product architecture ## Build beyond a single account. Support business accounts, omnibus structures and virtual account identifiers. Add fixed-term vault products with a configured maturity period and rate schedule, or connect digital-asset accounts through a custody integration. - Business and omnibus account structures - Virtual-account generation rules - Vaults and digital-asset product extensions Related connectors [Fireblocks](https://crassula.io/connectors/app/fireblocks/) [BitGo](https://crassula.io/connectors/app/bitgo/) ![Omnibus account product - product configuration](https://crassula.io/static/images/features/configuration/accounts-structures.61bf03774bd8.svg?v=10) Crassula Connectors ## Connect the services your product needs. Choose integrations that fit your programme, market and required capabilities. [![OpenPayd](https://crassula.io/static/images/solutions/connector-logos/openpayd.09efeb9af333.png)Accounts and payments](https://crassula.io/connectors/app/openpayd/) [![Railsr](https://crassula.io/static/images/solutions/connector-logos/railsr.601ca9d42059.png)Accounts and cards](https://crassula.io/connectors/app/railsr/) [![Currencycloud](https://crassula.io/static/images/solutions/connector-logos/currencycloud.78e0d73a66be.svg)FX and payments](https://crassula.io/connectors/app/currencycloud/) [![Fireblocks](https://crassula.io/static/images/solutions/connector-logos/fireblocks.d1a78c53f98a.png)Custody](https://crassula.io/connectors/app/fireblocks/) [![BitGo](https://crassula.io/static/images/solutions/connector-logos/bitgo.4e0c0fb35cf5.svg)Custody](https://crassula.io/connectors/app/bitgo/) [Explore all connectors](https://crassula.io/connectors/) Built for developers ## Build accounts into your own experience. Open a named account from your own product. Connect the account journey to the banking capabilities available in your Crassula environment. - Create an account for an existing client - Pass the account name, currency and country - Use the returned account in your next journey [Explore the API docs](https://docs.demo.crassu.la/#tag/accounts/POST/api/clients/{clientId}/accounts) POST`/api/clients/{clientId}/accounts` Node.js · native fetch ```text // Create an account const baseUrl = process.env.CRASSULA_BASE_URL; const apiKey = process.env.CRASSULA_API_KEY; const clientId = process.env.CRASSULA_CLIENT_ID; const path = `/api/clients/${encodeURIComponent(clientId)}/accounts`; const response = await fetch(`${baseUrl}${path}`, { method: 'POST', headers: { Authorization: apiKey, 'Content-Type': 'application/json', }, body: JSON.stringify({ "name": "Everyday account", "currency": "EUR", "countryCode": "DE" }), }); if (!response.ok) throw new Error(`HTTP ${response.status}`); const data = await response.json(); ``` **Create an account** Account availability and verification requirements follow your configured product and provider. [View API reference](https://docs.demo.crassu.la/#tag/accounts/POST/api/clients/{clientId}/accounts) Case Studies ## See what teams build with Crassula. ![Multipass](https://crassula.io/static/images/solutions/cases/logo-multipass.7fb14a8eede7.png) - Multi-currency accounts - Cross-border payments - BaaS connections Live on Crassula ### [Custom financial products for global businesses.](https://crassula.io/cases/multipass/) Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections. [Read case study: Multipass](https://crassula.io/cases/multipass/) ![LuxPay](https://crassula.io/static/images/solutions/cases/logo-luxpay.7d1fa138b9ba.png) - IBAN · SEPA - Card issuing - KYC onboarding Live on Crassula ### [A connected banking platform for modern financial services.](https://crassula.io/cases/luxpay/) Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product. [Read case study: LuxPay](https://crassula.io/cases/luxpay/) A closer look ## Plan the details of your product. The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) How do omnibus accounts and virtual IBANs work together? Use a configured virtual-account numbering rule to identify payments within the account structure. Available IBAN and account capabilities depend on the selected banking provider and your programme. Can I add fixed-term vaults? Vaults are an account-product extension with a configured maturity date and interest-rate schedule. The customer journey can show the term and applicable rate before funds are committed. Can fiat and crypto accounts share an experience? Use Crassula account interfaces alongside a dedicated crypto-custody integration. Fiat account details, digital-asset addresses and network rules remain distinct. Accounts ## Make your account product a reality. Explore your account structure, banking connections and customer experience with our team. [Request demo](https://crassula.io/request-demo/) ![Accounts - customer app preview](https://crassula.io/static/images/features/configuration/accounts-phone.b20eb896bdbe.svg?v=10)