> ## Documentation Index
> Fetch the complete documentation index at: https://api-doc.fidly.be/llms.txt
> Use this file to discover all available pages before exploring further.

# Bank accounts

> The company's bank accounts: read them, create manual ones, manage the default.

The company's bank accounts. `origin` says where each account comes from: `ponto`
(bank connection), `coda` (CODA statements) or `manual`. Balances are only known
for the accounts Fidly synchronizes; on the others they are `null`.

## Manual accounts

The API only creates `manual` accounts: `ponto` and `coda` accounts are born from
their own flows, so `origin` is not an input. For the same reason, `bic` and
`reference` are only editable on a `manual` account — on a synchronized one they
belong to the bank and are refused as soon as they are present in the body, even
with their current value (`422 field_not_editable`). Send only the fields you
change, never the whole document you read.

A `manual` account can also stop being one on its own: if a Ponto connection or a
CODA import detects an existing account with the same IBAN, that account is reused
rather than duplicated, and its `origin` switches to `ponto`/`coda`. `bic` and
`reference` then become read-only on it.

`reference` is the IBAN: it must be valid, it is normalized (uppercase, no spaces)
and it is unique within the company (`409 duplicate_bank_account`).

## Default account

A company always has **exactly one** default account, the one printed on its
documents. The rules follow from that:

* if there is none, the first account created becomes it, whatever the body says;
* `default: true` promotes an account and demotes the previous default;
* `default: false` on the current default is refused
  (`422 default_account_required`) — promote another account instead.