Create the SME's business bank account after successful customer validation and Nafath identity verification
This is a draft version of the SME Onboarding APIs. The final version is expected to be released by the end of September. The API specifications are subjected to go through a few more changes before the final version is released.
Create SME Account API submits the verified customer and business information to Bank Albilad to create an SME bank account.
The request includes the customer's Nafath verification response, identity details, business information, contact details, and Security PIN.
Use this API only after the required onboarding and Nafath verification steps have been successfully completed.
Environment | Domain | Rate/Limit |
|---|---|---|
Sandbox | 3 Calls per Minute | |
Production/LIVE | To be provided upon onboarding | Based on contract |
Endpoint | Method | Authentication requirements |
|---|---|---|
| POST | Header
Request body
|
curl --location 'https://sandboxapi.onesingleview.com/api/v2/smeonboarding/createsmeaccount' \
--header 'SVReferenceID: SV123456' \
--header 'CompanyId: SINGLEVIEW1234' \
--header 'Device: web' \
--header 'DateTimeStamp: 2025-01-07T10:20:39' \
--header 'Authorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJkYXRhIjoiTDNyMmpxV29JS2I4MTNodDBNeVN4WFRCZjlqUlNWQzFad3B5QnlkOVpHelZXR2ZwUmFQNUUrY3d6cVQ5bi9OV0lwR2V5STNNMkdPL1pqakd4ZG0yclJkVEZxY3lhWGNpWnZFejl0V1EySjQxK2VvSlk2ZjdJZkFsV3BKRi9VL1YydDEzMUtnRnVhcnd6MzVQY1UzbnFEV0p0UWlzIiwiaWF0IjoxNzY3NzYxODc3LCJleHAiOjE3Njc3NjU0Nzd9.lWDSB3Rk_TtdUbKyFcCdaE5XGo7UDiTu2kDcqEyU7vg' \
--header 'Content-Type: application/json' \
--data '{
"Message": {
"CreateSMEAccountRequest": {
"NafathResponse": {
"PlaceOfBirth": "",
"Gender": "M",
"ThirdNameArabic": "ﻣﺤﻤﺪ",
"IdIssueDate": "11-09-1441",
"FirstNameArabic": "ﺳﺠﺎد",
"IdExpiryDate": "11-03-2030",
"FirstNameEnglish": "SAJJAD",
"ThirdNameEnglish": "MUHAMMAD",
"SecondNameArabic": "ﺣﺴﻴﻦ",
"Nationality": "113",
"RequestId": "18",
"IdExpiryDateHijri": "01-09-1450",
"IdIssuePlace": "",
"LastNameEnglish": "MUSHTAQ",
"Status": "COMPLETED",
"SecondNameEnglish": "HUSSAIN"
},
"IdNumber": "1980651234",
"MobileNumber": "966599620904",
"UnifiedNumber": "7007521015",
"Revenue": "123123",
"email": "alsamoli@organization.com.sa",
"Industry": "100",
"Sector": "3100",
"SecurityPin": "1234"
}
},
"Signature": "rZZ9alg/2k9B5uWSdnW3AfYswAMqA4HXyNX3jIzckWb4o37uS4eKFEQ3xRn/dBarN6EGjfaXiMSOPdKyyjjrgT80K5ReXzQ7cC1INuU79ozlLgK8yTFz+nq785geQ+He4PR+hD35DkF9qnela9qmcr3GhAXpTjZG12hmaJEyzeofh6q3p+jqLFd208eAImubnL6SbSBDEAi5SLRH1K2I1U77OmFNirrfGV8qd+gsi+lqgyF9mpNj6lzy/fJNNe0qEr2WHvG1R7E2g3EhqovDNanQt6RFgkWegtlE37Eyi5qO3xlTqu76317ZWfMI7jHxs48fOLTNtBCOwUboVze5Tw=="
}'Request parameters
JSON Tag | Requirement | Description | Data type |
|---|---|---|---|
CreateSMEAccountRequest | Mandatory | Root node containing information to request initiation of creation of SME account process | Object |
NafathResponse | Mandatory | Customer identity information returned from the Nafath verification process. | Object |
PlaceOfBirth | Mandatory | Customer's place of birth | String |
Gender | Mandatory | Customer's gender | String |
ThirdNameArabic | Mandatory | Customer's third name in Arabic | String |
IdIssueDate | Mandatory | ID issue date | String |
FirstNameArabic | Mandatory | Customer's first name in Arabic | String |
IdExpiryDate | Mandatory | ID expiry date | String |
FirstNameEnglish | Mandatory | Customer's first name in English | String |
ThirdNameEnglish | Mandatory | Customer's third name in English | String |
SecondNameArabic | Mandatory | Customer's second name in Arabic | String |
Nationality | Mandatory | Customer's nationality | String |
RequestId | Mandatory | Identifier associated with the Nafath verification request | String |
IdExpiryDateHijri | Mandatory | ID expiry date in Hijri format | String |
IdIssuePlace | Mandatory | Place where the ID was issued | String |
LastNameEnglish | Mandatory | Customer's last name in English | String |
Status | Mandatory | Status of the Nafath verification. A successful verification is represented by | String |
SecondNameEnglish | Mandatory | Customer's second name in English | String |
IdNumber | Mandatory | Customer's Iqama/ID number | String |
MobileNumber | Mandatory | Customer's registered mobile number, including the country code | String |
UnifiedNumber | Mandatory | SME Commercial Registration (CR) Unified Number. The value must contain 10 digits and start with | String |
Revenue | Mandatory | SME's revenue information | String |
Mandatory | Email address associated with the SME owner/business | String | |
Industry | Mandatory | Industry classification code for the SME | String |
Sector | Mandatory | Sector classification code for the SME | String |
SecurityPin | Mandatory | Security PIN defined by the user during onboarding and used for account recovery | String |
{
"CreateSMEAccountResponse": {
"StatusCode": "Completed",
"StatusDetail": "Account created successfully.",
"Timestamp": "2026-07-16T17:40:23"
}
}Response parameters
JSON Tag | Description | Data type |
|---|---|---|
CreateSMEAccountResponse | Root node containing information of response for create SME account | Object |
StatusCode | Code representing status of the transaction in the request | String |
StatusDetail | Details of the status code represented for the transaction in the request | String |
TimeStamp | Date and time when the response was generated | String |
StatusCode | StatusDetail |
|---|---|
Completed | Account created successfully. |
Failed | Bank response description |
Response_Timeout | Timeout! Unable to get response from the bank. Please try again or contact SingleView support if issue persists. |
Treat Response_Timeout or an ambiguous response as an indeterminate account-creation state rather than immediately retrying the request. Reconcile the transaction with SingleView before submitting another account-creation request to avoid duplicate account-opening attempts.