# Managing reference bank accounts

## Listing reference accounts

You can list reference bank accounts registered with a specific user by requesting

**GET** [`/users/{user_id}/payments/reference_accounts`](/api/reference-accounts/list_reference_accounts)

## Retrieving account information

Retrieve reference bank account information by requesting

**GET** [`/payments/reference_accounts/{reference_account_id}`](/api/reference-accounts/retrieve_reference_account)

## Deleting a reference account

You can delete a reference bank account by requesting

**DELETE** [`/payments/reference_accounts/{reference_account_id}`](/api/reference-accounts/delete_reference_account).

You can only delete a reference bank account if at least two reference bank accounts are registered to a specific user.

To replace a reference bank account, you must first register the new reference bank account before deleting an obsolete reference bank account.

## Next steps

Now you are all set to trigger a [cash balance withdrawal](/products/tol/guides/payments/cash_balances/cash_withdrawal).