Creating account transfer

POST /api/public/v1/transfers

Creates an instant transfer between two of your accounts in the same currency — between a master account and a subaccount, or between two subaccounts. The transfer produces two account transactions: a debit on the source account and a credit on the destination account.

Headers

Name	Value
Content-Type	application/vnd.api+json
Authorization	Bearer <api_key>

Body

Name	Type	Description
data	object	Request data object.
data.type	string	Resource type. Always transfers.
data.attributes	object	Transfer attributes.
data.attributes.from_account	string	ID of the account to debit.
data.attributes.to_account	string	ID of the account to credit. Must hold the same currency as the source account.
data.attributes.amount	number	Amount to transfer.
data.attributes.currency	string	Transfer currency. Must match the currency of both accounts.
data.attributes.reference	string	Your unique reference for this transfer. Included in downloadable CSV transaction reports.

Request JSON

{
  "data": {
    "type": "transfers",
    "attributes": {
      "from_account": "13a85b45-8543-41c7-b963-394d4ea128ae",
      "to_account": "dd5016e1-43bb-4be5-b6d6-79e8d0f662b1",
      "amount": 10,
      "currency": "EUR",
      "reference": "c9807056-88da-409e-b628-732adbe76be5"
    }
  }
}

Response

HTTP 200

{
  "data": {
    "id": "5cdf75bf-7f9e-410f-a4a4-841667f57c9f",
    "type": "accountTransfers",
    "attributes": {
      "reference": "c9807056-88da-409e-b628-732adbe76be5"
    },
    "relationships": {
      "accountTransactions": {
        "data": [
          {
            "type": "accountTransactions",
            "id": "e55508e2-81b3-4e0f-b49c-380abc9dec91"
          },
          {
            "type": "accountTransactions",
            "id": "179a4edb-0af4-405d-a006-a8588140bb85"
          }
        ]
      }
    }
  },
  "included": [
    {
      "id": "e55508e2-81b3-4e0f-b49c-380abc9dec91",
      "type": "accountTransactions",
      "attributes": {
        "createdAt": "2026-01-09T10:38:24.351Z",
        "amount": "-10.00"
      },
      "relationships": {
        "account": {
          "data": {
            "type": "accounts",
            "id": "13a85b45-8543-41c7-b963-394d4ea128ae"
          }
        },
        "accountTransfer": {
          "meta": {
            "included": false
          }
        }
      }
    },
    {
      "id": "179a4edb-0af4-405d-a006-a8588140bb85",
      "type": "accountTransactions",
      "attributes": {
        "createdAt": "2026-01-09T10:38:24.395Z",
        "amount": "10.00"
      },
      "relationships": {
        "account": {
          "data": {
            "type": "accounts",
            "id": "dd5016e1-43bb-4be5-b6d6-79e8d0f662b1"
          }
        },
        "accountTransfer": {
          "meta": {
            "included": false
          }
        }
      }
    },
    {
      "id": "13a85b45-8543-41c7-b963-394d4ea128ae",
      "type": "accounts",
      "attributes": {
        "master": true,
        "currencyCode": "EUR",
        "label": "master",
        "bankReference": "BDR6421088115176062",
        "balance": "38465.76",
        "totalBalance": "38687.80",
        "currencyType": "fiat"
      },
      "relationships": {
        "company": {
          "meta": {
            "included": false
          }
        },
        "networks": {
          "meta": {
            "included": false
          }
        }
      }
    },
    {
      "id": "dd5016e1-43bb-4be5-b6d6-79e8d0f662b1",
      "type": "accounts",
      "attributes": {
        "master": false,
        "currencyCode": "EUR",
        "label": "EUR_1",
        "bankReference": "BDR4778763138567183",
        "balance": "90.54",
        "totalBalance": "90.54",
        "currencyType": "fiat"
      },
      "relationships": {
        "company": {
          "meta": {
            "included": false
          }
        },
        "networks": {
          "meta": {
            "included": false
          }
        }
      }
    }
  ],
  "meta": {},
  "jsonapi": {
    "version": "1.0"
  }
}

HTTP 422

{
  "errors": [
    {
      "status": 422,
      "title": "Insufficient balance",
      "code": "account_transfer_insufficient_balance",
      "detail": ""
    }
  ]
}

HTTP 404

{
  "errors": [
    {
      "status": 404,
      "title": "Record not found",
      "code": "account_not_found",
      "detail": "Account not found"
    }
  ]
}

Either the source or destination account does not exist.

Response Body

Name	Type	Description
data.id	string	Transfer ID.
data.type	string	Entity type returned. Always accountTransfers.
data.attributes.reference	string	The reference you supplied in the request.
data.relationships.accountTransactions	array	The two transactions created by the transfer — the debit and the credit. Full entities in included[].
included[].type(accountTransactions)	object	A transaction leg: createdAt and amount (negative on the source account, positive on the destination).
included[].type(accounts)	object	The source and destination accounts, with balances updated to reflect the transfer.