# Sub-accounts

## Introduction

A **sub-account** is a virtual account tied to a customer's main account.
Customers can transfer money between their main account and sub-account(s)
without triggering the [change request](/guides/authentication/strong-customer-authentication/#change-request)
process. For example, you can use sub-accounts to offer freelance customers
dedicated sub-accounts for tax and VAT savings and add or remove money from
these savings.

Please note the following behavior of sub-accounts:

- Customers cannot initiate outgoing
[SCTs](/guides/digital-banking/sepa-transfers/sepa-credit-transfer) from
sub-accounts, and they cannot have funds debited from sub-accounts via
[SDDs](/guides/digital-banking/sepa-transfers/sepa-direct-debit-transfer).
  - To transfer money between the customer's main account and a sub-account, or
between sub-accounts, you must use [intra-customer transfers](/api-reference/digital-banking/transactions/#tag/Intra-customer-transfers) (ICTs).
- Customers cannot use funds from sub-accounts in card transactions.
- Solaris does not include sub-accounts in calculating a customer's
**balance** or **available balance.**
- Funds stored in sub-accounts are considered in [seizure
processing](/guides/compliance/seizures).
- Solaris may request limitations on the number of sub-accounts per
customer.


This feature is not enabled by default. If you're interested in offering
sub-accounts to your customers, then please contact your Partner Manager.

## Sub-accounts integration steps

### Prerequisites

Before you can open sub-accounts for a customer, they must have completed
the identification and onboarding process. See the [get started
guide](/guides/get-started/) for instructions.

### Step 1: Confirm Solaris Terms & Conditions

For each new account, you must collect the customer's consent to the Solaris
Terms & Conditions. See the [Legal and compliance screening guide](/guides/get-started/onboarding-requirements/1-legal-compliance-screens/#solaris-terms--conditions) for instructions on how to implement this screen.

Store a UTC timestamp from when the customer agreed to the Terms & Conditions
document, as well as the ID of the document, in your solution. You must provide
this information to Solaris upon request.

### Step 2: Create sub-account

To open a sub-account for your customer, visit the following links to find more information about the account opening process:

- [Account opening guide](/guides/digital-banking/account-opening/)
- [Account opening API reference](/api-reference/onboarding/account-creation/#tag/Account-opening)


note
You must set the `type` of the account to either `CALL_MONEY` or
`CHECKING_SUBACCOUNT`. Please contact your Partner Manager for more information.

### Step 3: Intra-customer transfer

Unlike with regular bank accounts, funds can only be transferred to and from sub-accounts using [POST Create intra-customer transfer](/api-reference/digital-banking/transactions/#tag/Intra-customer-transfers/paths/~1v1~1persons~1%7Bperson_id%7D~1accounts~1%7Baccount_id%7D~1transactions~1intra_customer_transfer/post).

**Request URL:**


```shell
POST /v1/persons/{person_id}/accounts/{account_id}/transactions/intra_customer_transfer
```

**Request example:**


```json
{
  "reference": "73a46685-8ac6-4fff-9d36-55288523d879",
  "recipient_iban": "DE32110101001000000029",
  "description": "Example transaction",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  }
}
```

**Response example:**


```json
{
  "id": "68df7a63b2ad4a16907eeac2cf484275",
  "reference": "d91eba3a-882c-4ded-a7e7-3c1dc24eaf0f",
  "amount": {
    "value": 1000,
    "unit": "cents",
    "currency": "EUR"
  },
  "description": "Description",
  "recipient_iban": "DE43110101005555555555",
  "created_at": "2022-04-22T16:02:54Z"
}
```