> ## Documentation Index
> Fetch the complete documentation index at: https://docs.equalsmoney.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Create an account (legacy)
> Now that your webhook is set up, let's create an account.
## How KYC checks work
If you'll be sending onboarding requests to us for know-your-customer (KYC) checks, we'll use the information provided in the `kyc` object of your request — so it's important that it's accurate. If there any issues, someone from our team will reach out to you for more details.
If you're set up to do your own KYC checks and have a reliance model, your onboarding requests will go through automatically. This will have been configured during implementation with your implementation manager. If you need any help, please get in touch with your account manager.
We won't run any checks in sandbox, regardless of your setup.
## Send an onboarding request
When you send your onboarding request, there are two main decisions you need to make: which `features` to enable and which `accountType` the account should be.
`features` can be set to `payments` or `cards`. Choose `payments` if you'll be sending local or global payments or `cards` if you'll be issuing and managing cards.
`accountType` can be either `personal` or `business`. Choose `business` if the account represents a company or `personal` if it represents an individual.
You can't change an account's `features` or `accountType` after it's created, so choose carefully.
In this example, we're creating a `business` account that has `payments` enabled.
```bash Sandbox theme={null}
curl -i -X POST 'https://api-sandbox.equalsmoney.com/v2/onboarding' \
-H 'Authorization: ApiKey {apiKey}' \
-H 'Content-Type: application/json' \
-d '{
"accountType": "business",
"contact": {
"firstName": "John",
"lastName": "Smith",
"phone": "07700 900391",
"email": "john.smith@example.com",
"countryCode": "GB",
"address": {
"addressLine1": "223 Glossop Road",
"townCity": "London",
"postCode": "N14 4ES",
"countryCode": "GB"
}
},
"account": {
"companyName": "ACME",
"companyNumber": "5250007732",
"incorporationDate": "2021-06-04",
"address": {
"addressLine1": "1556 S. Michigan Avenue",
"townCity": "London",
"postCode": "N14 4ES",
"countryCode": "GB"
},
"onboardingDetail": "Directors are John Smith and William Walker",
"type": "ltd"
},
"kyc": {
"annualVolume": "Less than £10,000",
"numberOfPayments": "More than 20 payments",
"mainPurpose": [
"Investment"
],
"sourceOfFunds": [
"salary"
],
"destinationOfFunds": [
"GB"
],
"currenciesRequired": [
"GBP"
]
}
}'
```
```bash Production theme={null}
curl -i -X POST 'https://api.equalsmoney.com/v2/onboarding' \
-H 'Authorization: ApiKey {apiKey}' \
-H 'Content-Type: application/json' \
-d '{
"accountType": "business",
"contact": {
"firstName": "John",
"lastName": "Smith",
"phone": "07700 900391",
"email": "john.smith@example.com",
"countryCode": "GB",
"address": {
"addressLine1": "223 Glossop Road",
"townCity": "London",
"postCode": "N14 4ES",
"countryCode": "GB"
}
},
"account": {
"companyName": "ACME",
"companyNumber": "5250007732",
"incorporationDate": "2021-06-04",
"address": {
"addressLine1": "1556 S. Michigan Avenue",
"townCity": "London",
"postCode": "N14 4ES",
"countryCode": "GB"
},
"onboardingDetail": "Directors are John Smith and William Walker",
"type": "ltd"
},
"kyc": {
"annualVolume": "Less than £10,000",
"numberOfPayments": "More than 20 payments",
"mainPurpose": [
"Investment"
],
"sourceOfFunds": [
"salary"
],
"destinationOfFunds": [
"GB"
],
"currenciesRequired": [
"GBP"
]
}
}'
```
If your request is successful, you'll receive a `200` response.
```json theme={null}
{
"ok": true,
"account": {
"product": "EQUALSMONEY",
"market": "UK",
"features": [
"payments"
],
"accountType": "business",
"affiliateId": "420e4d3c-2d51-4cad-9caf-d7300258cefd",
"companyId": "420e4d3c-2d51-4cad-9caf-d7300258cefd",
"contact": {
"firstName": "John",
"lastName": "Smith",
"email": "john.smith@example.com",
"phone": "07700 900391",
"address": {
"addressLine1": "223 Glossop Road",
"townCity": "Chicago",
"postCode": "60605",
"countryCode": "GB"
}
},
"account": {
"companyName": "ACME",
"companyNumber": "5250007732",
"incorporationDate": "2021-06-04",
"type": "ltd",
"onboardingDetail": "Directors are William Walker and John Smith",
"address": {
"addressLine1": "1556 S. Michigan Avenue",
"townCity": "Chicago",
"postCode": "60605",
"countryCode": "US"
}
},
"kyc": {
"annualVolume": "Less than £10,000",
"numberOfPayments": "More than 20 payments",
"mainPurpose": [
"Investment"
],
"sourceOfFunds": [
"salary"
],
"destinationOfFunds": [
"GB"
],
"currenciesRequired": [
"GBP"
]
},
"correlationId": "420e4d3c-2d51-4cad-9caf-d7300258cefd"
}
}
```
Shortly after, you'll receive an `AccountActivated` webhook, which means that the account is now ready to be used. The `id` returned in this webhook is your newly-created account's `accountId`. You'll need this for future requests.
If you've provided a real email address, you should also receive an email thanking you for your application.
```json theme={null}
{
"body": {
"correlationId": "420e4d3c-2d51-4cad-9caf-d7300258cefd",
"createdAt": "2023-10-01T08:30:00Z",
"details": {
"countryOfRegistration": "United Kingdom",
"fourthLine": "ACME",
"name": "ACME",
"timezone": "Europe/London"
},
"id": "F12345",
"marketId": "4c246ef2-e12c-4c4e-aab5-6eb00171cdbf",
"primaryOwnerPersonaId": "fd3a65c7-4075-41ed-8d7e-e457be06f4e4",
"productId": "34b61e61-a107-4bea-8efc-edf70c8e8e57",
"status": "active",
"type": "Business",
"updatedAt": "2023-10-01T08:30:00Z",
"messageId": "caabc5a1-f447-4ff5-adf5-6a833ac39a0c",
"webhookEventTypeName": "AccountActivated"
}
}
```