Moov accounts

Learn how to create, connect, and update accounts on Moov’s platform.

When you sign up for Moov, you’re creating an individual or business account. When you add users, you’re also creating accounts for each of them.

Every account has a profile with information describing the legal entity associated with it, be that a business or an individual.

Bank accounts, payment cards, and transfer activity are all associated with specific Moov accounts, and those account activities can be easily monitored on your platform. For example, if someone changes their linked bank account, all past activity remains associated with their Moov account.

Your account

When you sign up for the Moov Dashboard, we will create an account for you. Your account is different from other Moov accounts. Your account:

  • Facilitates money movement
  • Is hidden in your list of accounts
  • Is used as a source, or destination in a transfer
  • Can be updated through the settings page in the Dashboard

When interacting with transfers via Moov.js or any client-side integration, you must specify your accountID for the following scopes:

  • /accounts/{accountID}/transfers.write
  • /accounts/{accountID}/

We refer to accounts created by your account as user accounts, which can be either businesses or individuals. Moov’s requirements for businesses and individuals depends on which capabilities the account needs.

Throughout our documentation, facilitatorAccountID references your account, and connectedAccountID references your user accounts.


Representatives are people who have significant ownership and control of a business. A representative is typically an individual with 25% or more ownership in the business or someone with significant responsibility to control or manage the business, like an executive officer or director. Moov must verify business representatives before a business account send funds or collect funds from other accounts.


You’ll request access to capabilities when creating an account. Each capability has different requirements depending on if the account is an individual or business account. Familiarize yourself with capabilities requirements before creating an account (you can also request capabilities after account creation).

Billing by Moov accounts

Your agreement with Moov may include a cost per active verified Moov account. Verified Moov accounts are accounts that have gone through KYC checks, initiated by opting into certain capabilities. Which capabilities they have selected may impact the price of each verified account. An active verified Moov account is a Moov account that:

  • Has been verified
  • Holds a balance or is party to a transfer at any time during the term

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