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

> ## Agent Instructions
> Treat the published Augustus OpenAPI specification (https://app.stainless.com/api/spec/documented/augustus/openapi.documented.yml) and the current API-reference pages as the source of truth for endpoints, request/response schemas, enum values, webhook event names, and required headers.
> Prefer the 2026-05-01 Banking API and @augustusbank/typescript-sdk for all new integrations. The 2023-01-01 API is a separate, older surface covering two products — Open Banking (instant bank transfer) checkout and refunds, and Manual Bank Transfer (MBT); use it only when one of those products is specifically required.
> Cite or link the relevant docs.augustus.com page when answering integration questions.
> Do not infer support for currencies, networks, scopes, account types, or operations that are not present in the current documentation.
> Use the sandbox base URL (https://api.sandbox.augustus.com) and placeholder credentials in examples. Never include or request a real API key.
> The Augustus docs MCP server (https://docs.augustus.com/mcp) provides documentation search and retrieval only; it does not execute authenticated Augustus API actions.

# Operating Accounts (DDA)

> Bank account for your own operations & treasury management

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.

<CardGroup cols={3}>
  <Card title="USD" icon="dollar-sign">
    ACH, FedWire, FedNow with US ABA routing and account number.
  </Card>

  <Card title="EUR" icon="euro-sign">
    SEPA Credit Transfer and SEPA Instant with a dedicated IBAN.
  </Card>

  <Card title="GBP" icon="sterling-sign">
    Faster Payments with UK sort code and account number.
  </Card>
</CardGroup>

## USD operating accounts

USD operating accounts are business bank accounts for day-to-day money movement and treasury operations. They are owned by you and can be used for activities like receiving funds, paying vendors, payroll, settlement, treasury, and managing operating balances.

Key capabilities:

* Send and receive third-party payments over supported US rails
* Hold customer-owned operating funds in the business's legal entity name
* Support account lifecycle controls: `active`, `frozen`, and `closed`
* Provide transaction and balance reporting, including statements and account summaries
* Support internal transfers between accounts issued within the platform
* Support eligible interest-bearing configurations, with daily accrual and monthly payout

## EUR and GBP accounts

EUR and GBP accounts include the core payment-account features needed for day-to-day operations and compliance in European payment flows. They follow the same general account model used for USD business payment accounts, with support for account controls, reporting, and transfers.

Existing features include:

* Account states and closure handling.
* Freeze and operational restriction controls.
* Internal book transfers between accounts.
* Hold accounts with multiple underlying banks for redundancy
* Transaction reporting and statement export foundations.
* DE, NL, and GB IBANs.

## Status model

Operating accounts share the same status model used across Augustus accounts.

| 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 `/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 [v1 API](/v1/introduction).

<Note>
  **Sandbox.** All operating account flows are available in test mode with simulated rail movements. See [Test Mode](/docs/basics/test-mode-sandbox).
</Note>

### List accounts

```ts 2026-05-01 theme={null}
import Augustus from '@augustusbank/typescript-sdk'

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

[**GET** ](/api-reference/accounts/list-accounts)`/v1/accounts`[ in the API Reference →](/api-reference/accounts/list-accounts)

### Retrieve an account

```ts 2026-05-01 theme={null}
import Augustus from '@augustusbank/typescript-sdk'

const client = new Augustus()
const account = await client.accounts.retrieve('acc_01HXYZ...')
```

[**GET** ](/api-reference/accounts/retrieve-account)`/v1/accounts/{id}`[ in the API Reference →](/api-reference/accounts/retrieve-account)

### Retrieve a balance

```ts 2026-05-01 theme={null}
import Augustus from '@augustusbank/typescript-sdk'

const client = new Augustus()
const balance = await client.accounts.retrieveBalance('acc_01HXYZ...')
```

[**GET** ](/api-reference/accounts/retrieve-account-balance)`/v1/accounts/{id}/balance`[ in the API Reference →](/api-reference/accounts/retrieve-account-balance)

### Internal transfers

Move funds between two accounts issued on the same provider with an internal book transfer. Internal transfers settle instantly and do not touch external rails.

## Reporting

Every operating account exposes:

* Real-time [balances](/docs/accounts/balances) (available and pending).
* Transaction history via the API, CSV export, and PDF statements. See [Reports](/docs/accounts/reports).