Guides

IBAN Top-Up

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To top up an IBAN account, you can use one of the following options:

  • Incoming bank transfer.
  • Cryptocurrency exchange transaction.

Option 1. Sending funds to IBAN

Endpoint:

POST /bank/v1/bank-accounts

Retrieve bank account details to initiate a top-up transaction.

Response Example:

    {
        "id": "380f31d8-bb3f-4e80-845a-cde56c048362",
        "type": "SEPA",
        "bankName": "SETTLEGO SOLUTIONS LTD",
        "bankAddress": "THE BOWER BUILDING 207 - 211 OLD STREET SHOREDITCH, LONDON",
        "swiftBic": "SEOUGB21",
        "accountNumber": "GB49SEOU19870010392178",
        "accountHolderName": "John Mock-Doe",
        "accountHolderAddress": "ES, 12345, Test city, Test Address 1",
        "currency": "EUR",
        "status": "ACTIVE",
        "accountId": "76eae318-9792-41f8-a9ba-eb4515f9fbac",
        "invoiceId": null,
        "memo": null,
        "balance": 84.00000000000000000000,
        "depositFeePercent": 50.0
    }

Option 2. Create a currency exchange

Endpoint:

POST /wallet/direct-exchange

Use this endpoint to initiate a request to exchange cryptocurrency to EURO and top up your IBAN account.

Query Parameters:

NameTypeRequiredDescription
dryRunboolean➖This parameter allows to check resulting rate and fee amount without executing any operation. If true, the API simulates the operation without executing it. This allows you to preview exchange rates, fees, and other details before committing. The actual operation will only proceed if dryRun is omitted or explicitly set to false.

Body Parameters:

NameTypeRequiredDescription
fromAccountstring✅Identifies the CHECKING type of account initiating the exchange. All accounts can be retrieved using List all accounts endpoint.
fromCurrencystring➖The original currency of the amount before conversion.
toAccountstring➖Identifies destination BANK_ACCOUNT_VIRTUAL type of account for the exchange. All accounts can be retrieved using List all accounts endpoint.
toCurrencystring✅The destination currency after conversion. Defaults to EURO
fromAmountstring➖The amount in the source currency.
toAmountstring➖The amount in the target currency.

Response Example:

   {
  "id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "fromAccount": "string",
  "toAccount": "string",
  "fromCurrency": "USDT",
  "toCurrency": "EPI",
  "fromAmount": "10.2",
  "toAmount": "9.87",
  "signedRate": {
    "rateRequest": {
      "fromCurrency": "string",
      "toCurrency": "string",
      "amount": "string",
      "account": "string",
      "partner": "string"
    },
    "rate": "1.12",
    "validUntil": "string",
    "signature": "string"
  },
  "feeAmount": "0.01",
  "feeCurrency": "USDT",
  "status": "SUCCESS",
  "note": "string",
  "createdAt": "2025-07-23T17:29:45.507Z",
  "updatedAt": "2025-07-23T17:29:45.507Z"
}

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Remarks

  • A fee may be charged on all deposit and exchange operations if configured.
  • All transactions connected with the target BANK_ACCOUNT_VIRTUAL type of account can be filtered and retrieved by the Get Crypto and IBAN Transactions History endpoint.
  • Exchange pairs, minimum and maximum limits and rates can be retrieved via the Get Exchange Pair List endpoint.

Updated 5 days ago