Sub-accounts

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A Sub-account is a restricted virtual account linked to a customer's primary current account. It is designed to act as a "pocket" or "wallet" for specific purposes, such as tax set-asides, vacation budgets, or VAT accumulation.

Unlike full Multi-accounts, sub-accounts are strictly internal. Funds must move through the main account to reach the outside world.

Key characteristics

• Internal Only: Customers cannot trigger outgoing transfers (SCT) or Direct Debits (SDD) directly from a sub-account.
• No Cards: Debit cards cannot be linked to a sub-account.
• No SCA: Transfers between a main account and its sub-accounts (Intra-Customer Transfers) do not require Strong Customer Authentication (SCA).
• Seizures: Funds held in sub-accounts are legally part of the customer's assets and are included in seizure processing.

Integration steps

1. Confirm Terms & Conditions

As with any new account, you must collect the customer's consent to the Solaris Terms & Conditions before opening a sub-account.

• Display the T&Cs in your UI.
• Store the UTC timestamp of the consent.
• Guide: Legal & Compliance Screens.

2. Open the sub-account

Use the standard Account Opening Request (AOR) endpoint with the specific sub-account type.

Endpoint: POST /v1/accounts/opening_requests

{
  "customer_type": "Person",
  "customer_id": "123456789",
  "product_name": "SUB_ACCOUNT_PRODUCT_ID",
  "account_type": "CHECKING_SUBACCOUNT", // Mandatory for this feature
  "account_currency": "EUR"
}

3. Move funds (Intra-Customer Transfer)

To fund the sub-account or withdraw money back to the main account, use the Intra-Customer Transfer (ICT) endpoint.

• Speed: Instant.
• Auth: No SCA required.
• Direction: Can be used for Main → Sub or Sub → Main.

Request:

POST /v1/persons/{person_id}/accounts/{origin_account_id}/transactions/intra_customer_transfer

{
  "amount": { "value": 1000, "currency": "EUR" },
  "recipient_iban": "DE_SUB_ACCOUNT_IBAN", // Target account (Main or Sub)
  "reference": "73a46685-8ac6-4fff-9d36-55288523d879", // Required UUID (Idempotency Key)
  "description": "Saving for VAT"
}

Response:

{
  "id": "68df7a63b2ad4a16907eeac2cf484275",
  "reference": "73a46685-8ac6-4fff-9d36-55288523d879",
  "amount": { "value": 1000, "unit": "cents", "currency": "EUR" },
  "description": "Saving for VAT",
  "recipient_iban": "DE_SUB_ACCOUNT_IBAN",
  "created_at": "2022-04-22T16:02:54Z"
}