Operating Accounts (DDA)

Operating accounts are business bank accounts owned by your legal entity, used for day-to-day money movement and treasury operations. Use them to receive funds, pay vendors, run payroll, settle balances, and manage your operating float across USD, EUR, and GBP. Each account is provisioned with the rail-specific payment details for its currency (ACH routing and account number for USD, IBAN for EUR, sort code and account number for GBP) and exposes the same account model, controls, and reporting across currencies.

USD

ACH, Fedwire, and SWIFT with US ABA routing and account number.

EUR

SEPA Credit Transfer and SEPA Instant with a dedicated IBAN.

GBP

Faster Payments with UK sort code and account number.

USD operating accounts

With a USD operating account you can:

Send and receive third-party payments over ACH, Fedwire, and SWIFT
Hold operating funds in your own legal entity’s name
Control the account lifecycle: pending, active, frozen, and closed
Track activity with transaction and balance reporting, statements, and account summaries
Move funds between your Augustus accounts with internal transfers
Earn interest on eligible account configurations, accrued daily and paid out monthly

EUR and GBP accounts

EUR and GBP accounts follow the same account model as USD accounts: the same statuses and controls, internal transfers, and reporting.

Send and receive EUR over SEPA, and GBP over Faster Payments
Account details are issued as DE, NL, or GB IBANs, plus a UK sort code and account number for GBP

Status model

Operating accounts share the same status model used across Augustus accounts. See Overview for the canonical table.

Status	Behavior
`pending`	Newly opened, not yet activated. Augustus typically activates within minutes. Some accounts require additional information (e.g. enhanced due diligence) before activation.
`active`	Normal. Pay-ins and payouts allowed.
`frozen`	No pay-ins or payouts. Reversible — call POST `/v1/accounts/{id}/unfreeze` to return to `active`.
`closed`	Terminal. The account must be `frozen` first, then closed. Cannot be reopened, open a new account if the holder needs one again.

Integration

All operating account endpoints sit under the /v1/accounts/* namespace and follow the same auth, error, and pagination conventions as the rest of the 2026-05-01 API.

Sandbox. All operating account flows are available in sandbox mode with simulated rail movements. See Sandbox Mode, or follow the end-to-end Simulations walkthrough.

List accounts

2026-05-01

import Augustus from '@augustusbank/typescript-sdk'

const client = new Augustus()
for await (const account of client.accounts.list()) {
  // process account
}

GET /v1/accounts in the API Reference →

Retrieve an account

2026-05-01

import Augustus from '@augustusbank/typescript-sdk'

const client = new Augustus()
const account = await client.accounts.retrieve('your-account-id')

GET /v1/accounts/{id} in the API Reference →

Retrieve a balance

2026-05-01

import Augustus from '@augustusbank/typescript-sdk'

const client = new Augustus()
const balance = await client.accounts.retrieveBalance('your-account-id')

GET /v1/accounts/{id}/balance in the API Reference →

Basics

Accounts

Transactions

Payments

Conversions

Loans

Pay by Bank

Operating Accounts (DDA)

USD

EUR

GBP

USD operating accounts

EUR and GBP accounts

Status model

Integration

List accounts

Retrieve an account

Retrieve a balance

USD

EUR

GBP

​USD operating accounts

​EUR and GBP accounts

​Status model

​Integration

​List accounts

​Retrieve an account

​Retrieve a balance

USD operating accounts

EUR and GBP accounts

Status model

Integration

List accounts

Retrieve an account

Retrieve a balance