openapi: 3.0.3
info:
  title: Moov Accounts Bank Accounts API
  description: The Moov API lets software platforms accept, store, send, and spend money through a single REST API. It is organized around Moov accounts, funding sources (bank accounts, cards, wallets, payment methods), and money movement (transfers, refunds, disputes, sweeps, card issuing). The API is based on REST principles, returns JSON, and uses standard HTTP response codes. Requests are authenticated with an OAuth 2.0 access token (Bearer). Event notifications are delivered via webhooks (HTTPS POST with an HMAC SHA-512 signature); Moov does not expose a public WebSocket API. This document models a representative subset of the commercial hosted API at api.moov.io - the canonical, machine-generated OpenAPI spec is published by Moov (see externalDocs). Separately, Moov maintains open-source Go libraries for banking file formats at github.com/moov-io, which are not part of this API.
  version: v2026.04.00
  contact:
    name: Moov
    url: https://moov.io
  termsOfService: https://moov.io/legal/platform-agreement/
servers:
- url: https://api.moov.io
  description: Moov production
security:
- bearerAuth: []
tags:
- name: Bank Accounts
  description: Bank accounts linked as funding sources, with verification.
paths:
  /accounts/{accountID}/bank-accounts:
    parameters:
    - $ref: '#/components/parameters/accountID'
    post:
      operationId: linkBankAccount
      tags:
      - Bank Accounts
      summary: Link a bank account.
      responses:
        '200':
          description: The linked bank account.
    get:
      operationId: listBankAccounts
      tags:
      - Bank Accounts
      summary: List bank accounts.
      responses:
        '200':
          description: A list of bank accounts.
  /accounts/{accountID}/bank-accounts/{bankAccountID}:
    parameters:
    - $ref: '#/components/parameters/accountID'
    - $ref: '#/components/parameters/bankAccountID'
    get:
      operationId: getBankAccount
      tags:
      - Bank Accounts
      summary: Retrieve a bank account.
      responses:
        '200':
          description: The bank account.
    delete:
      operationId: deleteBankAccount
      tags:
      - Bank Accounts
      summary: Delete a bank account.
      responses:
        '204':
          description: Bank account deleted.
  /accounts/{accountID}/bank-accounts/{bankAccountID}/verify:
    parameters:
    - $ref: '#/components/parameters/accountID'
    - $ref: '#/components/parameters/bankAccountID'
    post:
      operationId: initiateBankAccountVerification
      tags:
      - Bank Accounts
      summary: Initiate instant bank account verification.
      responses:
        '200':
          description: Verification initiated.
    put:
      operationId: completeBankAccountVerification
      tags:
      - Bank Accounts
      summary: Complete instant bank account verification.
      responses:
        '200':
          description: Verification completed.
    get:
      operationId: getBankAccountVerification
      tags:
      - Bank Accounts
      summary: Get bank account verification.
      responses:
        '200':
          description: The verification status.
  /accounts/{accountID}/bank-accounts/{bankAccountID}/micro-deposits:
    parameters:
    - $ref: '#/components/parameters/accountID'
    - $ref: '#/components/parameters/bankAccountID'
    post:
      operationId: initiateMicroDeposits
      tags:
      - Bank Accounts
      summary: Initiate micro-deposits.
      responses:
        '200':
          description: Micro-deposits initiated.
    put:
      operationId: completeMicroDeposits
      tags:
      - Bank Accounts
      summary: Complete micro-deposits.
      responses:
        '200':
          description: Micro-deposits verified.
components:
  parameters:
    bankAccountID:
      name: bankAccountID
      in: path
      required: true
      schema:
        type: string
        format: uuid
    accountID:
      name: accountID
      in: path
      required: true
      schema:
        type: string
        format: uuid
      description: The Moov account identifier.
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: OAuth 2.0 access token passed as a Bearer token.
externalDocs:
  description: Moov API reference and canonical OpenAPI spec
  url: https://docs.moov.io/api/