Neobank API
Modern banking infrastructure for checking accounts, savings, transfers, and card issuance with real-time transaction processing
On this page
Overview
The Neobank API provides complete banking-as-a-service capabilities. Open accounts, issue cards, process transfers, and manage transactions with enterprise-grade security and compliance.
Instant Accounts
Open checking and savings accounts in seconds
Card Issuance
Issue virtual and physical debit cards instantly
Real-time Processing
Process transactions and transfers instantly
API Endpoints
/v1/accounts/createOpen new checking or savings accounts with instant account numbers
/v1/accounts/:id/balanceRetrieve real-time account balance and transaction history
/v1/transfersInitiate ACH, wire, or instant transfers between accounts
/v1/cards/issueIssue virtual or physical debit cards with spending controls
/v1/transactionsQuery transactions with advanced filtering and search
/v1/payments/bill-paySchedule and execute bill payments to vendors
Code Examples
Create Checking Account
// Create a new checking account
const taxu = require('@taxu/taxu-js')('your_api_key');
const account = await taxu.neobank.accounts.create({
type: 'checking',
owner: {
firstName: 'Jane',
lastName: 'Smith',
email: 'jane@example.com',
phone: '+1234567890',
ssn: '123-45-6789',
dateOfBirth: '1990-03-15',
address: {
street: '456 Oak Ave',
city: 'San Francisco',
state: 'CA',
zip: '94102'
}
},
initialDeposit: 1000
});
console.log(account);
// {
// id: 'acct_abc123',
// accountNumber: '4567891234',
// routingNumber: '021000021',
// balance: 1000,
// status: 'active',
// createdAt: '2024-01-15T10:30:00Z'
// }Issue Virtual Card
// Issue a virtual debit card
const card = await taxu.neobank.cards.issue({
accountId: 'acct_abc123',
type: 'virtual',
spendingLimits: {
daily: 1000,
monthly: 5000,
perTransaction: 500
},
restrictions: {
allowedCategories: ['groceries', 'gas', 'restaurants'],
blockedMerchants: []
}
});
console.log(card);
// {
// id: 'card_xyz789',
// last4: '4242',
// expMonth: 12,
// expYear: 2027,
// cvv: '123',
// status: 'active',
// balance: 1000
// }Security & Compliance
Bank-Grade Encryption
All data encrypted at rest with AES-256 and in transit with TLS 1.3
SOC 2 Type II Certified
Independently audited security controls and compliance procedures