> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.shimi.cash/api-reference/shimi-api/corporate-accounts/create-corporate-sub-account/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.shimi.cash/_mcp/server.

# Create Corporate Sub-account

POST https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account
Content-Type: application/json

Creates the dedicated bank sub-account for the business, using a `kyc_id` from a completed **Validate Corporate KYC OTP**. `settlementId` is optional and works the same way as in the Customer flow.

**Body**

| Field          | Type   | Required | Rules                                                                                                                                         |
| -------------- | ------ | -------- | --------------------------------------------------------------------------------------------------------------------------------------------- |
| `phoneNumber`  | string | yes      | Min 7 characters.                                                                                                                             |
| `emailAddress` | string | yes      | Valid email.                                                                                                                                  |
| `rn_number`    | string | yes      | Company registration (CAC RC/BN) number, min 3 characters.                                                                                    |
| `kyc_id`       | string | yes      | The `kyc_id` from **Validate Corporate KYC OTP** (not the session id from Initiate). KYC must belong to you and have status VERIFIED/SUCCESS. |
| `settlementId` | number | no       | Id of one of your settlement accounts.                                                                                                        |

Unknown fields are rejected (`"<field>" is not allowed`). Validation errors are `400` with an `errors` array using Joi's default messages (field name in double quotes).

**Behaviour**

* Creates the dedicated NUBAN sub-account at the bank. If the bank returns an account number you already hold, the existing record is updated and returned (the new attempt is stored as `DUPLICATE`).
* `coporate_reference` (note spelling) is the sub-account id used by **List / Fetch Corporate Sub-accounts**.
* All provider/settlement failures return `400` with `message: "Failed to create COOP subaccount"` and the reason in `error`.

Reference: https://docs.shimi.cash/api-reference/shimi-api/corporate-accounts/create-corporate-sub-account

## Authentication

- `Authorization` header (bearer token, required) — Access token from Generate Access Token (valid 15 minutes).

## Request

### Body (application/json)

This endpoint expects an object.

- `phoneNumber` (string, optional)
- `emailAddress` (string, optional)
- `rn_number` (string, optional)
- `kyc_id` (string, optional)
- `settlementId` (integer, optional)

## Response

### 200

OK

- `status` (string, optional)
- `message` (string, optional)
- `data` (CoopGenerateAccountPostResponsesContentApplicationJsonSchemaData, optional)

## Errors

### 400 Bad Request Error

Validation error / KYC not verified / Settlement account not found / Provider failure

- `status` (string, optional)
- `message` (string, optional)
- `errors` (list of CoopGenerateAccountPostResponsesContentApplicationJsonSchemaErrorsItems, optional)
- `error` (string, optional)

### 401 Unauthorized Error

Unauthorized

- `message` (string, optional)

### 403 Forbidden Error

Invalid or expired access token / KYB not approved / Account deactivated

- `message` (string, optional)
- `code` (string, optional)
- `kybStatus` (string, optional)

### 404 Not Found Error

Not Found

- `status` (string, optional)
- `message` (string, optional)

## Types

### CoopGenerateAccountPostResponsesContentApplicationJsonSchemaData

- `coporate_reference` (string, optional)
- `accountNumber` (string, optional)
- `accountName` (string, optional)
- `balance` (integer, optional)
- `createdAt` (string, optional)
- `rn_number` (string, optional)

### CoopGenerateAccountPostResponsesContentApplicationJsonSchemaErrorsItems

- `path` (list of string, optional)
- `message` (string, optional)

## Examples

### 200 Sub-account created

**Response**

```json
{
  "status": "success",
  "message": "COOP subaccount created",
  "data": {
    "coporate_reference": "cm9x5a1ce0009qy8l3fj7m2pz",
    "accountNumber": "0115738294",
    "accountName": "ADEBAYO FOODS LIMITED",
    "balance": 0,
    "createdAt": "2026-10-04T10:22:41.512Z",
    "rn_number": "RC1234567"
  }
}
```

**SDK Code**

```python 200 Sub-account created
import requests

url = "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account"

headers = {"Authorization": "Bearer <token>"}

response = requests.post(url, headers=headers)

print(response.json())
```

```javascript 200 Sub-account created
const url = 'https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account';
const options = {method: 'POST', headers: {Authorization: 'Bearer <token>'}};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go 200 Sub-account created
package main

import (
	"fmt"
	"net/http"
	"io"
)

func main() {

	url := "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account"

	req, _ := http.NewRequest("POST", url, nil)

	req.Header.Add("Authorization", "Bearer <token>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby 200 Sub-account created
require 'uri'
require 'net/http'

url = URI("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'

response = http.request(request)
puts response.read_body
```

```java 200 Sub-account created
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account")
  .header("Authorization", "Bearer <token>")
  .asString();
```

```php 200 Sub-account created
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account', [
  'headers' => [
    'Authorization' => 'Bearer <token>',
  ],
]);

echo $response->getBody();
```

```csharp 200 Sub-account created
using RestSharp;

var client = new RestClient("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
IRestResponse response = client.Execute(request);
```

```swift 200 Sub-account created
import Foundation

let headers = ["Authorization": "Bearer <token>"]

let request = NSMutableURLRequest(url: NSURL(string: "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```

### Corporate Accounts_createCorporateSubAccount_example

**Request**

```json
{
  "phoneNumber": "+2348031234567",
  "emailAddress": "finance@adebayofoods.ng",
  "rn_number": "RC1234567",
  "kyc_id": "{{kyc_id}}",
  "settlementId": 1
}
```

**Response**

```json
{
  "status": "success",
  "message": "COOP subaccount created",
  "data": {
    "coporate_reference": "cm9x5a1ce0009qy8l3fj7m2pz",
    "accountNumber": "0115738294",
    "accountName": "ADEBAYO FOODS LIMITED",
    "balance": 0,
    "createdAt": "2026-10-04T10:22:41.512Z",
    "rn_number": "RC1234567"
  }
}
```

**SDK Code**

```python Corporate Accounts_createCorporateSubAccount_example
import requests

url = "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account"

payload = {
    "phoneNumber": "+2348031234567",
    "emailAddress": "finance@adebayofoods.ng",
    "rn_number": "RC1234567",
    "kyc_id": "{{kyc_id}}",
    "settlementId": 1
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.json())
```

```javascript Corporate Accounts_createCorporateSubAccount_example
const url = 'https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account';
const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: '{"phoneNumber":"+2348031234567","emailAddress":"finance@adebayofoods.ng","rn_number":"RC1234567","kyc_id":"{{kyc_id}}","settlementId":1}'
};

try {
  const response = await fetch(url, options);
  const data = await response.json();
  console.log(data);
} catch (error) {
  console.error(error);
}
```

```go Corporate Accounts_createCorporateSubAccount_example
package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account"

	payload := strings.NewReader("{\n  \"phoneNumber\": \"+2348031234567\",\n  \"emailAddress\": \"finance@adebayofoods.ng\",\n  \"rn_number\": \"RC1234567\",\n  \"kyc_id\": \"{{kyc_id}}\",\n  \"settlementId\": 1\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(res)
	fmt.Println(string(body))

}
```

```ruby Corporate Accounts_createCorporateSubAccount_example
require 'uri'
require 'net/http'

url = URI("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"phoneNumber\": \"+2348031234567\",\n  \"emailAddress\": \"finance@adebayofoods.ng\",\n  \"rn_number\": \"RC1234567\",\n  \"kyc_id\": \"{{kyc_id}}\",\n  \"settlementId\": 1\n}"

response = http.request(request)
puts response.read_body
```

```java Corporate Accounts_createCorporateSubAccount_example
import com.mashape.unirest.http.HttpResponse;
import com.mashape.unirest.http.Unirest;

HttpResponse<String> response = Unirest.post("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"phoneNumber\": \"+2348031234567\",\n  \"emailAddress\": \"finance@adebayofoods.ng\",\n  \"rn_number\": \"RC1234567\",\n  \"kyc_id\": \"{{kyc_id}}\",\n  \"settlementId\": 1\n}")
  .asString();
```

```php Corporate Accounts_createCorporateSubAccount_example
<?php
require_once('vendor/autoload.php');

$client = new \GuzzleHttp\Client();

$response = $client->request('POST', 'https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account', [
  'body' => '{
  "phoneNumber": "+2348031234567",
  "emailAddress": "finance@adebayofoods.ng",
  "rn_number": "RC1234567",
  "kyc_id": "{{kyc_id}}",
  "settlementId": 1
}',
  'headers' => [
    'Authorization' => 'Bearer <token>',
    'Content-Type' => 'application/json',
  ],
]);

echo $response->getBody();
```

```csharp Corporate Accounts_createCorporateSubAccount_example
using RestSharp;

var client = new RestClient("https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account");
var request = new RestRequest(Method.POST);
request.AddHeader("Authorization", "Bearer <token>");
request.AddHeader("Content-Type", "application/json");
request.AddParameter("application/json", "{\n  \"phoneNumber\": \"+2348031234567\",\n  \"emailAddress\": \"finance@adebayofoods.ng\",\n  \"rn_number\": \"RC1234567\",\n  \"kyc_id\": \"{{kyc_id}}\",\n  \"settlementId\": 1\n}", ParameterType.RequestBody);
IRestResponse response = client.Execute(request);
```

```swift Corporate Accounts_createCorporateSubAccount_example
import Foundation

let headers = [
  "Authorization": "Bearer <token>",
  "Content-Type": "application/json"
]
let parameters = [
  "phoneNumber": "+2348031234567",
  "emailAddress": "finance@adebayofoods.ng",
  "rn_number": "RC1234567",
  "kyc_id": "{{kyc_id}}",
  "settlementId": 1
] as [String : Any]

let postData = JSONSerialization.data(withJSONObject: parameters, options: [])

let request = NSMutableURLRequest(url: NSURL(string: "https://shimi-waas-api-9493532b9281.herokuapp.com/api/v1/coop/generate-account")! as URL,
                                        cachePolicy: .useProtocolCachePolicy,
                                    timeoutInterval: 10.0)
request.httpMethod = "POST"
request.allHTTPHeaderFields = headers
request.httpBody = postData as Data

let session = URLSession.shared
let dataTask = session.dataTask(with: request as URLRequest, completionHandler: { (data, response, error) -> Void in
  if (error != nil) {
    print(error as Any)
  } else {
    let httpResponse = response as? HTTPURLResponse
    print(httpResponse)
  }
})

dataTask.resume()
```