Dedicated accounts, on demand
One API call creates a real bank account per customer. When they transfer to it, the payment arrives already attached to them. No narration to read, no amount to match.
- Instant issuance
- Real bank accounts
- Sandbox to test
Free to start · No monthly fee · Pay per account
API
POST /v1/accounts
Request
POST /v1/accounts
{
"customer_id": "cus_4k9f2",
"currency": "NGN",
"label": "Trade Account"
}
Response
{
"status": "success",
"data": {
"account_number": "3018765432",
"bank_name": "Wema Bank",
"account_name": "Niimbu/Customer",
"status": "active"
}
}
Virtual account · Dedicated number · Instant
200 OK · 120ms
Reconciliation should not be a person's job
When all customers share one account, someone has to read every transfer narration to figure out who sent what. Dedicated accounts make the number itself the identifier.
One account per customer
Each customer gets their own account number. When they transfer to it, the payment arrives already attached to them. There is no narration to read, no amount to match and no manual reconciliation.
Instant issuance
An API call creates the account. The number is returned in the response and active within seconds. No form to fill, no waiting period and no manual approval.
Real-time visibility
Every deposit into a dedicated account fires a webhook immediately. You see the amount, the sender and the reference the moment the money arrives.
From API call to active account, in four steps
Create the account
POST to /v1/accounts with the customer ID, currency and label. The API returns an account number, bank name and account name.
Share the number
Give the customer the account number. It is a real bank account that accepts NIP transfers from any bank.
Customer deposits
The customer transfers to the dedicated number. The payment settles via NIP, usually within seconds.
Webhook fires
A signed payload arrives at your webhook URL with the deposit details, reference and the customer it belongs to.
Every deposit arrives already matched
A customer transfers ₦500,000 to their dedicated account. You do not have to ask who sent it, what it was for or which invoice it settles. The account number tells you all three.
- Payment arrives attached to the customer
- No manual reconciliation needed
- Part payments tracked automatically
API
POST /v1/accounts
Request
POST /v1/accounts
{
"customer_id": "cus_4k9f2",
"currency": "NGN",
"label": "Trade Account"
}
Response
{
"status": "success",
"data": {
"account_number": "3018765432",
"bank_name": "Wema Bank",
"account_name": "Niimbu/Customer",
"status": "active"
}
}
Virtual account · Dedicated number · Instant
200 OK · 120ms
Verify the customer before issuing the account
Before creating a dedicated account, verify the customer's BVN or NIN to confirm their identity. The same API platform handles both, so the flow is one integration.
- BVN and NIN verification in the same API
- Name and DOB match before the account is created
- One integration for verification and issuance
Verification
BVN check
Collect BVN
Match name + DOB
Check phone
Return photo
Account created
Identity verified · Account ready
What changes when every customer has their own number
The usual way
- Reading transfer narrations to identify who sent what
- Manual reconciliation of incoming transfers
- One bank account shared by all customers
- Disputes about which payment belongs to which customer
- End-of-day reconciliation in a spreadsheet
With Niimbu
- Each customer has their own account number
- Payment arrives already attached to the customer
- No narration reading, no amount guessing
- Part payments tracked against the customer automatically
- Real-time visibility into every deposit
The account issuing detail that real integrations need
No add-on modules and no higher tier. These are part of account issuing from the first API call.
Instant account creation
One API call, account number returned in the response.
Real bank accounts
Accept NIP transfers from any bank in Nigeria.
Customer labels
Each account carries a label you control, visible on statements.
Multi-currency
NGN, USD, GBP and EUR accounts available.
Webhooks
Real-time event delivery for every deposit.
Idempotency keys
Retry safely without creating duplicate accounts.
Account status
Active, frozen or closed, controlled by your API.
Sandbox
Test accounts with test numbers, no real money moved.
Balance queries
Query the balance of any dedicated account in real time.
Every platform issues accounts differently
The use case, the currency and the verification step change by product. Pick the closest fit.
Fintech platforms
Issue accounts per user for wallet funding, with each deposit settling automatically.
Marketplaces
Give each seller a dedicated account so their settlements and incoming payments are separated.
Lending platforms
Issue accounts per borrower for loan disbursements and repayment collections.
Schools and education
Issue accounts per pupil or per term, so tuition payments arrive already matched.
Cooperatives and associations
Issue accounts per member for contributions, with each deposit tracked individually.
Account issuing API
See how Niimbu compares with shared accounts and manual reconciliation.
Every customer deserves their own account number, not a shared one with thirty others.
Per account, not per deposit
There is no monthly platform fee. You pay per account created. Deposits, balance queries and webhooks cost nothing extra.
- No monthly platform fee
- No charge for deposits
- Sandbox is free
Frequently asked questions
If your question is not here, the Help Centre goes deeper, or you can talk to someone on the team.
How quickly can I create an account?
One API call. The account number is returned in the response and active within seconds. The customer can start receiving transfers immediately.
Is it a real bank account?
Yes. It is a virtual account backed by a real bank (Wema Bank), and it accepts NIP transfers from any commercial bank in Nigeria.
Can I create accounts in multiple currencies?
Yes. The API supports NGN, USD, GBP and EUR. Each account is denominated in the currency you specify.
What happens when money is deposited?
A webhook fires immediately with the deposit details, including the amount, sender, reference and the customer the account belongs to.
Can I freeze or close an account?
Yes. The API supports active, frozen and closed statuses. A frozen account rejects incoming transfers. A closed account is permanently deactivated.
Can I query the balance?
Yes. A GET request to the account endpoint returns the current balance, updated in real time.
What does it cost?
There is no monthly platform fee. You pay per account created, with no charge for deposits or balance queries. The sandbox is free.
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