Fintoc decouples accounts and account numbers. Traditionally, banks linked an account number to a bank account one-to-one. At Fintoc, an account number acts more like a pointer to an account. Inbound Transfers are tied to the Account Number they’re sent to. By adding metadata to your Account Numbers, you can make reconciliation easier by linking them to your internal business IDs.

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🇲🇽 Mexico

In Mexico, you can assign multiple account numbers to a single account. While Fintoc creates a default account number when an account is created, you can create additional account numbers whenever you need. Fintoc does not ledger at the account number level — only at the account level. So if one account has five account numbers, all balances and transaction activity are aggregated at the account level.

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🇨🇱 Chile

In Chile, multiple account numbers per account are not supported. Each account has a single account number, which serves as the identifier for that account. However, you can still assign metadata to account numbers in Chile to support your internal workflows.

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Root Account Numbers

When you create an account, Fintoc automatically generates a default account number for it. Since balances are tracked at the account level, this default account number is what you’ll see referenced as the sender in an Outbound Transfer.

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Account Number Reassignment

While an account can have multiple account numbers, you cannot reassign or reuse account numbers across accounts. Once created, an account number is permanently associated with the original account.

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Account Number Status

Account Numbers are enabled by default. You can use the Fintoc API to disable an account number if needed. When disabled, any Transfers sent to that account number will be automatically rejected.

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Account Number Limit

By default, you can create up to 100,000 Account Numbers per organization. If you need to create more than 100,000 Account Numbers, contact your sales rep.