Get External Bank Accounts

The GET /api/financialAccounts/external/v2 endpoint retrieves a list of all external bank accounts linked to the authenticated user's profile. Each account record includes masked account details, bank name, account type, balance information, and the provider used to connect the account (such as Finicity or Plaid). This endpoint enables partners to present users with a unified view of their external financial accounts within the platform.

Endpoint

GET /api/financialAccounts/external/v2

Authentication

Bearer token required. Obtain via:

POST https://api.banking.netevia.dev/api/auth/v2

Include in header: Authorization: Bearer {token}
Token lifetime: 10 minutes. Refresh via POST /api/auth/refresh.

When to use

Use this endpoint when displaying a summary or management view of all external accounts a user has connected through Finicity or Plaid. It is useful when building account selection UIs for ACH transfers, verifying which external accounts are active, or auditing the external accounts associated with a profile before initiating financial operations.

Response

200 OK

Returns an array of external financial account objects.

externalfinancialaccount object

externalBankAccountDetails object

balanceInfo object

[
  {
    "typename": "ExternalBankAccount",
    "externalBankAccountType": 0,
    "id": "ext-acct-0a1b2c3d-4e5f-6789-abcd-ef0123456789",
    "name": "My Chase Checking",
    "externalBankAccountDetails": {
      "last4": "7890",
      "type": "checking",
      "routingNumber": "021000021",
      "createdAt": "2025-03-10T14:22:00Z",
      "updatedAt": "2025-11-01T09:05:00Z",
      "accountNumber": "XXXXXXXXXX"
    },
    "provider": "Plaid",
    "createdAt": "2025-03-10T14:22:00Z",
    "accountStatus": "ACTIVE",
    "updatedAt": "2025-11-01T09:05:00Z",
    "bankName": "Chase Bank",
    "owners": null,
    "balanceInfo": {
      "date": "2026-06-07T18:00:00Z",
      "value": 4250.75,
      "currency": "USD"
    }
  },
  {
    "typename": "ExternalBankAccount",
    "externalBankAccountType": 0,
    "id": "ext-acct-9f8e7d6c-5b4a-3210-fedc-ba9876543210",
    "name": "Wells Fargo Savings",
    "externalBankAccountDetails": {
      "last4": "3456",
      "type": "savings",
      "routingNumber": "121042882",
      "createdAt": "2025-07-18T10:11:00Z",
      "updatedAt": "2026-01-20T16:45:00Z",
      "accountNumber": "XXXXXXXXXX"
    },
    "provider": "Finicity",
    "createdAt": "2025-07-18T10:11:00Z",
    "accountStatus": "ACTIVE",
    "updatedAt": "2026-01-20T16:45:00Z",
    "bankName": "Wells Fargo",
    "owners": null,
    "balanceInfo": {
      "date": "2026-06-07T18:00:00Z",
      "value": 12800.00,
      "currency": "USD"
    }
  }
]

Error Codes

Common Mistakes

• Calling this endpoint without a valid Bearer token results in a 401 error; ensure the token has not expired (10-minute lifetime) and refresh via POST /api/auth/refresh when needed.
• External accounts are only available for personal customers who have connected accounts via Finicity or Plaid; calling this endpoint for a profile with no linked external accounts returns an empty array, not a 404.
• The accountNumber field in externalBankAccountDetails is masked in the response for security; do not rely on it for full account number retrieval.
• The balanceInfo.value reflects the last cached balance snapshot, not a real-time balance; the balanceInfo.date field indicates when the snapshot was taken.

Related Endpoints

• POST /api/financialAccounts/external — Link a new external bank account via Finicity or Plaid
• DELETE /api/financialAccounts/external/{id} — Remove a linked external bank account
• GET /api/financialAccounts/v2 — Retrieve the list of internal Netevia financial accounts
• POST /api/transfers/ach — Initiate an ACH transfer to or from a linked external account

Example

curl -X GET https://api.banking.netevia.dev/api/financialAccounts/external/v2 \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json"