GET

List external bank accounts

ENDPOINT/v1/external-bank-accounts

Returns linked external bank accounts in the program, newest first. Filter by issuing wallet, owner type, lifecycle state, and verification state. Objects include last_four and routing_number, never the full account number. This operation is program-scoped.

Authentication & Headers

Header	Type	Requirement	Description
Authorization	string	REQUIRED	API key passed as an HTTP Bearer token: `Bearer rk_live_...`
X-Program-ID	UUID	PROGRAM-SCOPED	Program boundary UUID that scopes the issuing card, wallet, or transfer.

Query Parameters

Parameter	Type	Requirement	Description
wallet_id	string(uuid)	OPTIONAL	Return only external bank accounts linked to this issuing wallet.
owner_type	string	OPTIONAL	Return only external bank accounts with this owner type. Allowed:`PERSONBUSINESS`
state	string	OPTIONAL	Return only external bank accounts in this lifecycle state. Allowed:`ENABLEDCLOSEDPAUSED`
verification_state	string	OPTIONAL	Return only external bank accounts in this verification state. Allowed:`PENDINGENABLEDFAILED_VERIFICATIONINSUFFICIENT_FUNDS`
page	integer	OPTIONAL	1-based page index. Default 1. Values below 1 are treated as 1.
page_size	integer	OPTIONAL	Number of objects to return in the page. Minimum 1, maximum 100, default 10. Also accepted as `page-size`. Values below 1 fall back to the default; values above 100 are capped at 100.
order_by	string	OPTIONAL	Field to sort by. When omitted, the endpoint uses its default order. Also accepted as `order-by`. Valid fields are endpoint-specific (`created_at`, `updated_at`, …).
ascending	boolean	OPTIONAL	Sort direction. Default true (ascending). Pass `false` for descending. Invalid values are ignored and the default is used.

Response Codes & Schemas

200A page of external bank accounts.

application/json

{
  "data": [
    {
      "id": "1b6d8f20-4c53-4a87-9e2d-0f5a7c8b3914",
      "object": "external_bank_account",
      "wallet_id": "4d8f2a10-6c3e-4b91-9e5a-2f7c8d1e0b44",
      "financial_account_id": "c8e2a4b6-1d3f-4a70-9c5e-7b0d2f4a6813",
      "type": "CHECKING",
      "owner": "Jane Doe",
      "owner_type": "PERSON",
      "nickname": "Jane Doe Checking",
      "user_defined_id": "bank_jane_checking_001",
      "address": {
        "line_1": "100 Main St",
        "line_2": null,
        "city": "Austin",
        "state": "TX",
        "postal_code": "78701",
        "country": "US"
      },
      "last_four": "6789",
      "routing_number": "021000021",
      "state": "ENABLED",
      "verification_state": "ENABLED",
      "verification_method": "MICRO_DEPOSIT",
      "verification_attempts": 1,
      "verification_failed_reason": null,
      "created_at": "2026-08-12T12:00:00Z",
      "updated_at": "2026-08-14T13:30:00Z"
    }
  ],
  "total_count": 1
}

400Bad Request: malformed JSON, failed schema validation, or conflicting parameters.

application/json

{
  "error": {
    "type": "invalid_request_error",
    "code": "invalid_request",
    "message": "invalid order by: foo. Valid options are: [created_at updated_at]",
    "param": "order_by",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/invalid_request"
  }
}

401Unauthorized: missing, malformed, or unknown API key.

application/json

{
  "error": {
    "type": "authentication_error",
    "code": "authentication_error",
    "message": "A valid API key is required.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/authentication_error"
  }
}

403Forbidden: the API key is denied by RBAC, or it cannot access this program. A resource that exists on another program or organization returns `404 not_found`, not `403`.

application/json

{
  "error": {
    "type": "permission_error",
    "code": "permission_denied",
    "message": "The API key cannot access this program.",
    "param": "X-Program-ID",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/permission_denied"
  }
}

404Not Found: unknown id, or the resource is not visible to this API key.

application/json

{
  "error": {
    "type": "not_found_error",
    "code": "not_found",
    "message": "No card found for the given id.",
    "param": "card_id",
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/not_found"
  }
}

429Too Many Requests: the API key exceeded its rate limit.

application/json

{
  "error": {
    "type": "rate_limit_error",
    "code": "rate_limited",
    "message": "Rate limit exceeded. Retry after the number of seconds in Retry-After.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/rate_limited"
  }
}

500Internal Server Error: unexpected failure. Retry with the same Idempotency-Key.

application/json

{
  "error": {
    "type": "api_error",
    "code": "internal_error",
    "message": "An unexpected error occurred. Retry with the same Idempotency-Key.",
    "param": null,
    "request_id": "550e8400-e29b-41d4-a716-446655440000",
    "doc_url": "https://docs.rookpayments.com/errors/internal_error"
  }
}