Monetary Account Joint

A MonetaryAccountJoint is a shared monetary account co-owned by two or more bunq users. All co-owners have full access to the account and can send and receive payments on its behalf.

Creating a joint account

Use the following endpoint to create a joint account as the initiating user. Invite the co-owner(s) by passing their alias (email, phone number, or IBAN) in the all_co_owner field.

POST /v1/user/{userID}/monetary-account-joint

Example request body:

{
  "currency": "EUR",
  "description": "Joint Account",
  "all_co_owner": [
    {
      "alias": {
        "type": "EMAIL",
        "value": "[e-mail]"
      }
    }
  ]
}

The account is created with status PENDING_ACCEPTANCE. It transitions to ACTIVE once all invited co-owners have accepted the invite. Co-owners must accept through the bunq app — this step cannot be completed via the public API.

Retrieving joint accounts

GET /v1/user/{userID}/monetary-account-joint GET /v1/user/{userID}/monetary-account-joint/{itemId}

Updating a joint account

PUT /v1/user/{userID}/monetary-account-joint/{itemId}

Webhooks

The following notification categories are relevant for joint accounts:

See Callbacks (Webhooks) for setup instructions.