Operating accounts (DDA)

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How it is built

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Currencies

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USD

• Send and receive third-party payments over ACH, Fedwire, and SWIFT
• Hold operating funds in your own legal entity’s name
• 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

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EUR and GBP

• 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

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Money in and money out

• Deposits arrive at the account’s address and are credited to its balance. Give a sender the details from financial_addresses. See Deposits.
• Payouts debit the account. Pass its ID as account_id. See Payouts.
• Payouts to another Augustus account settle on Augustus’s books instead of going out on a rail: the payout reaches sent within seconds, the receiving account gets a deposit.settled event, and both records carry rail: "internal". Statuses and webhooks are the same as for any other payout, and no configuration is needed.
• Conversions move funds between your fiat and stablecoin accounts. See Conversions.

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Status

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Integration

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List accounts

curl "https://api.sandbox.augustus.com/v1/accounts" \
  -H "Authorization: Bearer $AUGUSTUS_API_KEY"

import Augustus from '@augustusbank/typescript-sdk'

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

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Retrieve an account

curl "https://api.sandbox.augustus.com/v1/accounts/667eecf1-ef16-4d27-949b-5cf30ca51dc9" \
  -H "Authorization: Bearer $AUGUSTUS_API_KEY"

import Augustus from '@augustusbank/typescript-sdk'

const client = new Augustus()
const account = await client.accounts.retrieve('667eecf1-ef16-4d27-949b-5cf30ca51dc9')

{
  "id": "667eecf1-ef16-4d27-949b-5cf30ca51dc9",
  "type": "account",
  "currency": "USD",
  "status": "active",
  "asset_type": "fiat",
  "label": "Operating USD",
  "financial_addresses": [
    {
      "type": "aba",
      "routing_number": "021000021",
      "account_number": "91478035",
      "account_holder_name": "Acme Inc"
    }
  ],
  "created_at": "2026-09-08T10:12:22.406Z",
  "updated_at": "2026-09-08T10:12:22.406Z",
  "metadata": {}
}

​

Retrieve a balance

curl "https://api.sandbox.augustus.com/v1/accounts/667eecf1-ef16-4d27-949b-5cf30ca51dc9/balance" \
  -H "Authorization: Bearer $AUGUSTUS_API_KEY"

import Augustus from '@augustusbank/typescript-sdk'

const client = new Augustus()
const balance = await client.accounts.retrieveBalance('667eecf1-ef16-4d27-949b-5cf30ca51dc9')

{
  "type": "account_balance",
  "account_id": "667eecf1-ef16-4d27-949b-5cf30ca51dc9",
  "amount": {
    "available": "5230.55",
    "pending": "0.00"
  },
  "currency": "USD",
  "as_of": "2026-09-08T14:32:00Z"
}