> ## Documentation Index
> Fetch the complete documentation index at: https://docs.finta.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Create a manual account

> Create a manual (non-synced) account the user tracks by hand, including liability accounts (credit, student, mortgage). Only manual accounts can be created.



## OpenAPI

````yaml /api/v2/openapi.json post /accounts
openapi: 3.0.3
info:
  title: Finta API v2
  version: 2.0.0
  description: >-
    DB-backed Finta API for users with storage mode enabled. Requires an API key
    and active subscription.


    ## Rate limits


    Rate limits are enforced per user (shared across the REST API and MCP) based
    on subscription plan:


    | Plan | Per minute | Per day |

    | --- | --- | --- |

    | Standard | 10 requests | 500 requests |

    | Pro | 30 requests | 2,000 requests |


    When a limit is exceeded, the API returns HTTP 429 with `error.code`
    `RATE_LIMITED` and a human-readable `message`. A `Retry-After` response
    header is included with the number of seconds until the window resets.
servers:
  - url: https://api.finta.io/v2
    description: Production server
security:
  - bearerAuth: []
tags:
  - name: Me
    description: Authenticated user
  - name: Health
    description: Service health
  - name: Bank Connections
    description: Bank connection resources
  - name: Accounts
    description: Account and balance history resources
  - name: Investments
    description: Securities, holdings, and investment transaction resources
  - name: Transactions
    description: Transaction resources
  - name: Categories
    description: Transaction category resources
  - name: Rules
    description: Transaction rule resources
paths:
  /accounts:
    post:
      tags:
        - Accounts
      summary: Create a manual account
      description: >-
        Create a manual (non-synced) account the user tracks by hand, including
        liability accounts (credit, student, mortgage). Only manual accounts can
        be created.
      operationId: createAccountV2
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ManualAccountCreateRequest'
      responses:
        '201':
          description: Created account
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccountResponse'
        '400':
          description: Invalid request body
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Missing or invalid API key
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Storage mode required or subscription inactive
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '429':
          $ref: '#/components/responses/RateLimitedResponse'
components:
  schemas:
    ManualAccountCreateRequest:
      type: object
      required:
        - name
      properties:
        name:
          type: string
          minLength: 1
          maxLength: 255
        institutionName:
          type: string
          minLength: 1
          maxLength: 255
          description: Institution label. Defaults to 'Manual'.
        type:
          type: string
          minLength: 1
          maxLength: 100
          description: e.g. depository, credit, loan, investment, other
        subtype:
          type: string
          minLength: 1
          maxLength: 100
          description: e.g. checking, savings, credit card, mortgage, student
        mask:
          type: string
          minLength: 1
          maxLength: 100
        currency:
          type: string
          minLength: 1
          maxLength: 10
          description: ISO currency code, e.g. USD
        currentBalance:
          type: number
          description: For liabilities, use a positive number for the amount owed.
        availableBalance:
          type: number
        liability:
          $ref: '#/components/schemas/AccountLiability'
    AccountResponse:
      type: object
      required:
        - account
      properties:
        account:
          $ref: '#/components/schemas/AccountSummary'
    ErrorResponse:
      type: object
      required:
        - error
      properties:
        error:
          type: object
          required:
            - code
            - message
          properties:
            code:
              type: string
              example: STORAGE_MODE_REQUIRED
            message:
              type: string
    UnauthorizedResponse:
      type: object
      required:
        - error
      properties:
        error:
          type: string
          example: Missing or invalid Authorization header
    AccountLiability:
      type: object
      nullable: true
      description: >-
        Liability detail for `credit`, `student`, or `mortgage` accounts; `null`
        for non-liability accounts. Fields not relevant to the liability type
        are `null`. The same shape is accepted when creating or updating a
        manual account.
      required:
        - type
      properties:
        type:
          type: string
          enum:
            - credit
            - student
            - mortgage
        minimumPaymentAmount:
          type: number
          nullable: true
        nextPaymentDueDate:
          type: string
          format: date
          nullable: true
        lastPaymentAmount:
          type: number
          nullable: true
        lastPaymentDate:
          type: string
          format: date
          nullable: true
        interestRate:
          type: number
          nullable: true
        isOverdue:
          type: boolean
          nullable: true
        lastStatementBalance:
          type: number
          nullable: true
          description: Credit accounts only.
        aprs:
          type: array
          description: Credit accounts only.
          items:
            type: object
            required:
              - aprType
              - aprPercentage
            properties:
              aprType:
                type: string
              aprPercentage:
                type: number
              balanceSubjectToApr:
                type: number
                nullable: true
              interestChargeAmount:
                type: number
                nullable: true
        loanName:
          type: string
          nullable: true
          description: Student accounts only.
        loanStatus:
          type: object
          nullable: true
          description: Student accounts only.
          properties:
            type:
              type: string
              nullable: true
            endDate:
              type: string
              format: date
              nullable: true
        repaymentPlan:
          type: object
          nullable: true
          description: Student accounts only.
          properties:
            type:
              type: string
              nullable: true
            description:
              type: string
              nullable: true
        pslfStatus:
          type: object
          nullable: true
          description: Student accounts only.
          properties:
            paymentsRemaining:
              type: number
              nullable: true
            paymentsMade:
              type: number
              nullable: true
            estimatedEligibilityDate:
              type: string
              format: date
              nullable: true
        originationDate:
          type: string
          format: date
          nullable: true
          description: Student and mortgage accounts.
        originationPrincipalAmount:
          type: number
          nullable: true
          description: Student and mortgage accounts.
        expectedPayoffDate:
          type: string
          format: date
          nullable: true
          description: Student accounts only.
        outstandingInterestAmount:
          type: number
          nullable: true
          description: Student accounts only.
        ytdInterestPaid:
          type: number
          nullable: true
          description: Student and mortgage accounts.
        ytdPrincipalPaid:
          type: number
          nullable: true
          description: Student and mortgage accounts.
        interestRateType:
          type: string
          enum:
            - fixed
            - variable
          nullable: true
          description: Mortgage accounts only.
        nextMonthlyPayment:
          type: number
          nullable: true
          description: Mortgage accounts only.
        escrowBalance:
          type: number
          nullable: true
          description: Mortgage accounts only.
        hasPmi:
          type: boolean
          nullable: true
          description: Mortgage accounts only.
        hasPrepaymentPenalty:
          type: boolean
          nullable: true
          description: Mortgage accounts only.
        propertyAddress:
          type: object
          nullable: true
          description: Mortgage accounts only.
          properties:
            street:
              type: string
              nullable: true
            city:
              type: string
              nullable: true
            region:
              type: string
              nullable: true
            postalCode:
              type: string
              nullable: true
            country:
              type: string
              nullable: true
        loanTypeDescription:
          type: string
          nullable: true
          description: Mortgage accounts only.
        maturityDate:
          type: string
          format: date
          nullable: true
          description: Mortgage accounts only.
        pastDueAmount:
          type: number
          nullable: true
          description: Mortgage accounts only.
    AccountSummary:
      type: object
      required:
        - id
        - providerAccountId
        - bankConnectionId
        - bankConnectionStatus
        - provider
        - institutionName
        - name
        - mask
        - type
        - subtype
        - currency
        - currentBalance
        - availableBalance
        - balanceAsOf
        - status
        - closedAt
        - liability
      properties:
        id:
          type: string
          format: uuid
        providerAccountId:
          type: string
        bankConnectionId:
          type: string
          format: uuid
        bankConnectionStatus:
          type: string
          enum:
            - active
            - error
            - disabled
        provider:
          type: string
          example: plaid
        institutionName:
          type: string
          nullable: true
        name:
          type: string
        mask:
          type: string
          nullable: true
        type:
          type: string
          nullable: true
        subtype:
          type: string
          nullable: true
        currency:
          type: string
          nullable: true
        currentBalance:
          type: number
          nullable: true
        availableBalance:
          type: number
          nullable: true
        balanceAsOf:
          type: string
          format: date-time
          nullable: true
        status:
          type: string
          enum:
            - active
            - closed
            - disconnected
        closedAt:
          type: string
          format: date-time
          nullable: true
        liability:
          $ref: '#/components/schemas/AccountLiability'
  responses:
    RateLimitedResponse:
      description: Rate limit exceeded
      headers:
        Retry-After:
          description: Seconds until the rate-limit window resets
          schema:
            type: integer
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
          example:
            error:
              code: RATE_LIMITED
              message: >-
                Per-minute rate limit exceeded (10 requests/min on Standard
                plan).
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: API Key
      description: Finta API key from the dashboard (Bearer token).

````