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POST
/
v0
/
external-recipients
Create external recipient
curl --request POST \
  --url https://api.getlemma.com/v0/external-recipients \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "provider_id": "<string>",
  "nickname": "<string>",
  "holder_type": "<string>",
  "routing_number": "<string>",
  "account_number": "<string>",
  "holder_name": "<string>",
  "holder_address": {
    "line1": "<string>",
    "line2": "<string>",
    "city": "<string>",
    "state": "<string>",
    "postal_code": "<string>",
    "country": "<string>"
  }
}
'
{
  "id": "external_account_Bx5nTm8hKw3pVd7c",
  "provider_id": "entity_k7mXp2vR9nTfBw4s",
  "nickname": "Quest Diagnostics Operating Account",
  "routing_number": "021000021",
  "account_number": "123456789",
  "status": "active",
  "created_at": "2026-03-20T18:45:00Z"
}

Documentation Index

Fetch the complete documentation index at: https://docs.getlemma.com/llms.txt

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Creates a saved external recipient that can be used as a destination for transfers. External recipients represent bank accounts outside of Lemma, such as a vendor, payroll provider, or another financial institution. External recipients cannot be edited after creation. If you need to change account details, archive the existing recipient and create a new one. See Saved recipients for more on why.
The nickname is visible to the account owner on their Lemma dashboard. Choose something descriptive and recognizable (e.g., “Owner’s Personal Account” rather than “Acct 4821”). We recommend making nicknames unique within a provider.

​
Request body

​
provider_id
string
required
The ID of the provider this recipient belongs to.
​
nickname
string
required
A human-readable label for this recipient. Displayed on the Lemma dashboard and in transaction history.
​
holder_type
string
required
Whether the account holder is a business or an individual. One of business or individual.
​
routing_number
string
required
The 9-digit ABA routing number of the recipient’s bank.
​
account_number
string
required
The bank account number.
​
holder_name
string
required
The legal name of the account holder.
​
holder_address
object
required
The account holder’s mailing address.

​
Response

Returns the created external recipient object.
​
id
string
Unique identifier for the external recipient, prefixed with external_account_.
​
provider_id
string
The ID of the provider that owns this recipient.
​
nickname
string
The human-readable label for this recipient.
​
holder_type
string
business or individual.
​
routing_number
string
The routing number of the recipient’s bank.
​
account_number
string
The recipient’s account number.
​
status
string
The recipient’s status. Always active on creation.
​
created_at
string
ISO 8601 timestamp of when the recipient was created.
{
  "id": "external_account_Bx5nTm8hKw3pVd7c",
  "provider_id": "entity_k7mXp2vR9nTfBw4s",
  "nickname": "Quest Diagnostics Operating Account",
  "routing_number": "021000021",
  "account_number": "123456789",
  "status": "active",
  "created_at": "2026-03-20T18:45:00Z"
}