> ## Documentation Index
> Fetch the complete documentation index at: https://docs.natural.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Link a customer's bank account

> Link a customer's bank account so their Natural wallet can be funded from their bank

Reuse your own Plaid connection to link a customer's bank account to Natural, so their wallet can be funded from their bank.

<Snippet file="shared/prerequisites.mdx" />

<Note>This guide is only relevant if you have a Plaid account for your platform.</Note>

## Get a processor token

If you already use Plaid, reuse the customer's existing connection instead of Natural asking them to link their bank again.

<Steps>
  <Step title="Run Plaid Link for the customer's bank">
    Run your existing Plaid Link flow for the customer's institution. On success, Plaid gives you a
    `public_token`.
  </Step>

  <Step title="Create a processor token scoped to Natural">
    Exchange the `public_token` for your own Plaid `access_token`, then call Plaid
    [`/processor/token/create`](https://plaid.com/docs/api/processors/#processortokencreate) for the
    selected `account_id` with `processor: "natural"`. Plaid returns a `processor_token` scoped to
    that one account. You keep the Plaid item and access token; Natural only receives the processor
    token.
  </Step>

  <Step title="Send the processor token to Natural">
    Pass the `processor_token` to [`POST
            /external-accounts/processor-token`](/api-reference/external-accounts/link-external-account)
    with the customer's `partyId`.
  </Step>
</Steps>

The full Plaid walkthrough lives in [Link a bank account](/guides/transfers/deposit-and-withdraw). Nothing about obtaining the token changes when the account belongs to a customer: the only difference is that `partyId` is the customer's party.

## Link the account

Call [`POST /external-accounts/processor-token`](/api-reference/external-accounts/link-external-account) with the customer's `partyId` and `processorToken`.

<CodeGroup>
  ```python Python theme={null}
  import uuid
  from naturalpay import Natural

  # Acts as the agent that holds external_accounts.create on the customer.
  agent_client = Natural(
      x_agent_id="agt_019cd1798d637a4da75dce386343931d",
      x_instance_id=str(uuid.uuid4()),
  )

  accounts = agent_client.external_accounts.create_from_processor_token(
      party_id="pty_019cd1798d617f65a79cb965dda9eac3",
      processor_token="processor-sandbox-abc123",
      institution_name="Chase",
      idempotency_key=str(uuid.uuid4()),
  )

  print(accounts.data[0].id)
  ```

  ```typescript TypeScript theme={null}
  import Natural from "@naturalpay/sdk";

  const client = new Natural();
  const accounts = await client.externalAccounts.createFromProcessorToken(
    {
      partyId: "pty_019cd1798d617f65a79cb965dda9eac3",
      processorToken: "processor-sandbox-abc123",
      institutionName: "Chase",
      idempotencyKey: crypto.randomUUID(),
    },
    {
      xAgentId: "agt_019cd1798d637a4da75dce386343931d",
      xInstanceId: crypto.randomUUID(),
    },
  );

  console.log(accounts.data[0].id);
  ```

  ```bash CLI theme={null}
  natural external-accounts createFromProcessorToken \
    --party-id pty_019cd1798d617f65a79cb965dda9eac3 \
    --processor-token processor-sandbox-abc123 \
    --institution-name Chase \
    --x-agent-id agt_019cd1798d637a4da75dce386343931d \
    --x-instance-id "$(uuidgen)" \
    --idempotency-key "$(uuidgen)"
  ```

  ```text MCP theme={null}
  Using my Procurement Agent, link this Plaid processor token as a bank account for customer
  pty_019cd1798d617f65a79cb965dda9eac3: processor-sandbox-abc123 (Chase).
  ```

  ```bash cURL theme={null}
  curl -X POST https://api.natural.com/external-accounts/processor-token \
    -H "Authorization: Bearer $NATURAL_API_KEY" \
    -H "X-Agent-ID: agt_019cd1798d637a4da75dce386343931d" \
    -H "X-Instance-ID: $(uuidgen)" \
    -H "Idempotency-Key: $(uuidgen)" \
    -H "Content-Type: application/json" \
    -d '{
      "data": {
        "attributes": {
          "partyId": "pty_019cd1798d617f65a79cb965dda9eac3",
          "processorToken": "processor-sandbox-abc123",
          "institutionName": "Chase"
        }
      }
    }'
  ```
</CodeGroup>

## Keep track of the account

Store the `eac_*` id from the link response for your own records and account picker. [`GET /external-accounts`](/api-reference/external-accounts/list-external-accounts) lists the accounts linked to **your own** party, so it will not show a customer's accounts; the link response is where you capture theirs.

With the account linked, the customer's wallet can be funded from their bank, and your agent can [move money on their behalf](/guides/connect/move-money-for-customer).

<Snippet file="shared/webhook-external-account.mdx" />