diff --git a/app/controllers/api/v1/user/financial_transactions_controller.rb b/app/controllers/api/v1/user/financial_transactions_controller.rb
index c042db32..947bc4aa 100644
--- a/app/controllers/api/v1/user/financial_transactions_controller.rb
+++ b/app/controllers/api/v1/user/financial_transactions_controller.rb
@@ -3,6 +3,8 @@ class Api::V1::User::FinancialTransactionsController < Api::V1::BaseController
 
   before_action ->{ doorkeeper_authorize! 'finance:user' }
   before_action :require_ordergroup
+  before_action :require_minimum_balance, only: [:create]
+  before_action -> { require_config_enabled :use_self_service }, only: [:create]
 
   def index
     render_collection search_scope
@@ -12,10 +14,20 @@ class Api::V1::User::FinancialTransactionsController < Api::V1::BaseController
     render json: scope.find(params.require(:id))
   end
 
+  def create
+    transaction_type = FinancialTransactionType.find(create_params[:financial_transaction_type_id])
+    ft = current_ordergroup.add_financial_transaction!(create_params[:amount], create_params[:note], current_user, transaction_type)
+    render json: ft
+  end
+
   private
 
   def scope
     current_ordergroup.financial_transactions.includes(:user, :financial_transaction_type)
   end
 
+  def create_params
+    params.require(:financial_transaction).permit(:amount, :financial_transaction_type_id, :note)
+  end
+
 end
diff --git a/app/models/ordergroup.rb b/app/models/ordergroup.rb
index e65bd1a0..da16db07 100644
--- a/app/models/ordergroup.rb
+++ b/app/models/ordergroup.rb
@@ -90,6 +90,7 @@ class Ordergroup < Group
       if t.amount < 0 && self.account_balance < 0 && self.account_balance - t.amount >= 0
         Resque.enqueue(UserNotifier, FoodsoftConfig.scope, 'negative_balance', self.id, t.id)
       end
+      t
     end
   end
 
diff --git a/config/routes.rb b/config/routes.rb
index 676e8c36..07d32a4f 100644
--- a/config/routes.rb
+++ b/config/routes.rb
@@ -265,7 +265,7 @@ Rails.application.routes.draw do
 
         namespace :user do
           root to: 'users#show'
-          resources :financial_transactions, only: [:index, :show]
+          resources :financial_transactions, only: [:index, :show, :create]
           resources :group_order_articles
         end
 
diff --git a/doc/swagger.v1.yml b/doc/swagger.v1.yml
index 1c5c4cc2..ce9cdb91 100644
--- a/doc/swagger.v1.yml
+++ b/doc/swagger.v1.yml
@@ -89,6 +89,42 @@ paths:
             $ref: '#/definitions/Error403'
       security:
         - foodsoft_auth: ['finance:user']
+    post:
+      summary: create new financial transaction
+      tags:
+        - 1. User
+        - 6. FinancialTransaction
+      parameters:
+        - in: body
+          name: body
+          description: financial transaction to create
+          required: true
+          schema:
+            $ref: '#/definitions/FinancialTransactionForCreate'
+      responses:
+        200:
+          description: success
+          schema:
+            type: object
+            properties:
+              financial_transaction:
+                $ref: '#/definitions/FinancialTransaction'
+        401:
+          description: not logged-in
+          schema:
+            $ref: '#/definitions/Error401'
+        403:
+          description: user has no ordergroup, is below minimum balance, or missing scope
+          schema:
+            $ref: '#/definitions/Error403'
+        404:
+          description: financial transaction type not found
+          schema:
+            $ref: '#/definitions/Error404'
+        422:
+          description: invalid parameter value
+          schema:
+            $ref: '#/definitions/Error422'
   /user/financial_transactions/{id}:
     parameters:
       - $ref: '#/parameters/idInUrl'
@@ -719,34 +755,40 @@ definitions:
         description: language code
     required: ['id', 'name', 'email']
 
-  FinancialTransaction:
+  FinancialTransactionForCreate:
     type: object
     properties:
-      id:
-        type: integer
-      user_id:
-        type: ['integer', 'null']
-        description: id of user who entered the transaction (may be <tt>null</tt> for deleted users or 0 for a system user)
-      user_name:
-        type: ['string', 'null']
-        description: name of user who entered the transaction (may be <tt>null</tt> or empty string for deleted users or system users)
       amount:
         type: number
         description: amount credited (negative for a debit transaction)
       financial_transaction_type_id:
         type: integer
         description: id of the type of the transaction
-      financial_transaction_type_name:
-        type: string
-        description: name of the type of the transaction
       note:
         type: string
         description: note entered with the transaction
-      created_at:
-        type: string
-        format: date-time
-        description: when the transaction was entered
-    required: ['id', 'user_id', 'user_name', 'amount', 'financial_transaction_type_id', 'financial_transaction_type_name', 'note', 'created_at']
+    required: ['amount', 'financial_transaction_type_id', 'note']
+  FinancialTransaction:
+    allOf:
+      - $ref: '#/definitions/FinancialTransactionForCreate'
+      - type: object
+        properties:
+          id:
+            type: integer
+          user_id:
+            type: ['integer', 'null']
+            description: id of user who entered the transaction (may be <tt>null</tt> for deleted users or 0 for a system user)
+          user_name:
+            type: ['string', 'null']
+            description: name of user who entered the transaction (may be <tt>null</tt> or empty string for deleted users or system users)
+          financial_transaction_type_name:
+            type: string
+            description: name of the type of the transaction
+          created_at:
+            type: string
+            format: date-time
+            description: when the transaction was entered
+        required: ['id', 'user_id', 'user_name', 'financial_transaction_type_name', 'created_at']
 
   FinancialTransactionClass:
     type: object
diff --git a/spec/api/v1/swagger_spec.rb b/spec/api/v1/swagger_spec.rb
index 15b8311b..382f609d 100644
--- a/spec/api/v1/swagger_spec.rb
+++ b/spec/api/v1/swagger_spec.rb
@@ -48,7 +48,38 @@ describe 'API v1', type: :apivore, order: :defined do
         it { is_expected.to validate(:get, '/user/financial_transactions/{id}', 404, api_auth({'id' => other_ft_1.id})) }
         it { is_expected.to validate(:get, '/user/financial_transactions/{id}', 404, api_auth({'id' => FinancialTransaction.last.id + 1})) }
 
+        let(:create_params) { {'_data' => {financial_transaction: {amount: 1, financial_transaction_type_id: ft_1.financial_transaction_type.id, note: 'note'}}} }
+
+
+        context 'without using self service' do
+          it { is_expected.to validate(:post, '/user/financial_transactions', 403, api_auth(create_params)) }
+        end
+
+        context 'with using self service' do
+          before { FoodsoftConfig[:use_self_service] = true }
+
+          it { is_expected.to validate(:post, '/user/financial_transactions', 200, api_auth(create_params)) }
+
+          context 'with invalid financial transaction type' do
+            let(:create_params) { {'_data' => {financial_transaction: {amount: 1, financial_transaction_type_id: -1, note: 'note'}}} }
+
+            it { is_expected.to validate(:post, '/user/financial_transactions', 404, api_auth(create_params)) }
+          end
+
+          context 'without note' do
+            let(:create_params) { {'_data' => {financial_transaction: {amount: 1, financial_transaction_type_id: ft_1.financial_transaction_type.id}}} }
+
+            it { is_expected.to validate(:post, '/user/financial_transactions', 422, api_auth(create_params)) }
+          end
+
+          context 'without enough balance' do
+            before { FoodsoftConfig[:minimum_balance] = 1000 }
+            it { is_expected.to validate(:post, '/user/financial_transactions', 403, api_auth(create_params)) }
+          end
+        end
+
         it_handles_invalid_token_and_scope(:get, '/user/financial_transactions')
+        it_handles_invalid_token_and_scope(:post, '/user/financial_transactions', ->{ api_auth(create_params) })
         it_handles_invalid_token_and_scope(:get, '/user/financial_transactions/{id}', ->{ api_auth('id' => ft_2.id) })
       end
     end
diff --git a/spec/api/v1/user/financial_transactions_spec.rb b/spec/api/v1/user/financial_transactions_spec.rb
new file mode 100644
index 00000000..d7f0c6b3
--- /dev/null
+++ b/spec/api/v1/user/financial_transactions_spec.rb
@@ -0,0 +1,107 @@
+require 'spec_helper'
+
+# Most routes are tested in the swagger_spec, this tests endpoints that change data.
+describe Api::V1::User::FinancialTransactionsController, type: :controller do
+  include ApiOAuth
+  let(:user) { create(:user, :ordergroup) }
+  let(:api_scopes) { ['finance:user'] }
+
+  let(:ftc1) { create :financial_transaction_class }
+  let(:ftc2) { create :financial_transaction_class }
+  let(:ftt1) { create :financial_transaction_type, financial_transaction_class: ftc1 }
+  let(:ftt2) { create :financial_transaction_type, financial_transaction_class: ftc2 }
+  let(:ftt3) { create :financial_transaction_type, financial_transaction_class: ftc2 }
+
+  let(:amount) { rand(-100..100) }
+  let(:note) { Faker::Lorem.sentence }
+
+  let(:json_ft) { json_response['financial_transaction'] }
+
+  shared_examples "financial_transactions endpoint success" do
+    before { request }
+
+    it "returns status 200" do
+      expect(response.status).to eq 200
+    end
+  end
+
+  shared_examples "financial_transactions create/update success" do
+    include_examples "financial_transactions endpoint success"
+
+    it "returns the financial_transaction" do
+      expect(json_ft['id']).to be_present
+      expect(json_ft['financial_transaction_type_id']).to eq ftt1.id
+      expect(json_ft['financial_transaction_type_name']).to eq ftt1.name
+      expect(json_ft['amount']).to eq amount
+      expect(json_ft['note']).to eq note
+      expect(json_ft['user_id']).to eq user.id
+    end
+
+    it "updates the financial_transaction" do
+      resulting_ft = FinancialTransaction.where(id: json_ft['id']).first
+      expect(resulting_ft).to be_present
+      expect(resulting_ft.financial_transaction_type).to eq ftt1
+      expect(resulting_ft.amount).to eq amount
+      expect(resulting_ft.note).to eq note
+      expect(resulting_ft.user).to eq user
+    end
+  end
+
+
+  shared_examples "financial_transactions endpoint failure" do |status|
+    it "returns status #{status}" do
+      request
+      expect(response.status).to eq status
+    end
+
+    it "does not change the ordergroup" do
+      expect { request }.to_not change {
+        user.ordergroup.attributes
+      }
+    end
+
+    it "does not change the financial_transactions of ordergroup" do
+      expect { request }.to_not change {
+        user.ordergroup.financial_transactions.count
+      }
+    end
+  end
+
+
+  describe "POST :create" do
+    let(:ft_params) { { amount: amount, financial_transaction_type_id: ftt1.id, note: note } }
+    let(:request) { post :create, params: { financial_transaction: ft_params, foodcoop: 'f' } }
+
+    context 'without using self service' do
+      include_examples "financial_transactions endpoint failure", 403
+    end
+
+    context 'with using self service' do
+      before { FoodsoftConfig[:use_self_service] = true }
+
+      context "with no existing financial transaction" do
+        include_examples "financial_transactions create/update success"
+      end
+
+      context "with existing financial transaction" do
+        before { user.ordergroup.add_financial_transaction! 5000, 'for ordering', user, ftt3 }
+        include_examples "financial_transactions create/update success"
+      end
+
+      context "with invalid financial transaction type" do
+        let(:ft_params) { { amount: amount, financial_transaction_type_id: -1, note: note } }
+        include_examples "financial_transactions endpoint failure", 404
+      end
+
+      context "without note" do
+        let(:ft_params) { { amount: amount, financial_transaction_type_id: ftt1.id } }
+        include_examples "financial_transactions endpoint failure", 422
+      end
+
+      context 'without enough balance' do
+        before { FoodsoftConfig[:minimum_balance] = 1000 }
+        include_examples "financial_transactions endpoint failure", 403
+      end
+    end
+  end
+end