Virtual Account Services
  1. Transfer
Virtual Account Services
  • Introduction
  • Terminologies
  • Webhooks
  • Authentication
  • Account
    • Create Account
      POST
    • Rename Account
      POST
    • Balance Inquiry
      GET
    • Create Bulk Accounts
      POST
    • List Accounts
      GET
  • Transaction
    • Credit Account
      POST
    • Debit Account
      POST
    • Credit Account [Agency Banking]
      POST
    • Debit Account [Agency Banking]
      POST
    • Transaction Query
      GET
    • Transaction Details
      GET
    • Transaction History
      GET
  • Transfer
    • Get Institutions
      GET
    • Name Inquiry
      POST
    • Interbank Transfer
      POST
    • Interbank Transfer [Sync]
      POST
    • Transfer Query
      GET
    • Transfer Enquiry
      GET
    • Virtual Account Intrabank Transfer
      POST
    • Core Banking Intrabank Transfer
      POST
    • Collection Accounts Intrabank Transfer
      POST
  • Invoice
    • Create Invoice
      POST
    • Get Invoice Detail
      GET
    • List Merchant Invoices
      GET
  • Refunds
    • Initiate Refund
    • Get Refund Status
    • Get Refunds
  • Notifications
    • Notification
    • Send Notification
  • Merchant
    • Account
      • Get Account
      • Activate Sub Ledger For Merchant
      • Get SubLedger Callback Urls
      • Set SubLedger Callback Urls
      • Get Collection Accounts
    • Transfer
      • Get Transfer History
      • Get Subledger transfers
      • Get Transfer Details
      • Name Inquiry
    • Refund
      • Refund Details
  • Admin
    • Accounting
      • Get GL Accounts
      • Get Classification Codes
    • Dashboard
      • Dashboard Summary
      • Dashboard Transactions
      • Dashboard Transaction Details
    • Group Codes
      • Get Group Codes
      • Set Collection Account
      • Create Group Code
    • Reporting
      • Get Report Types
      • Get Report Parameters
      • Create Report
      • Get Reports
      • Get Reports Details
  1. Transfer

Interbank Transfer

POST
/transfer
This API performs an interbank transfer between accounts. It debits funds from a source account and credits a destination account at a different institution. The request requires detailed account and transaction information.

Request Body#

Field NameTypeRequiredDescription
sourceAccountNUBANstringTRUEThe NUBAN (account number) of the source account from which funds are debited.
clientBVNstringTRUEThe Bank Verification Number (BVN) of the client initiating the transfer.
destinationInstitutionCodestringTRUEThe unique code identifying the destination institution.
destinationAccountNUBANstringTRUEThe NUBAN (account number) of the destination account to receive funds.
amountdecimalTRUEThe amount to be transferred between the accounts.
narrationstringTRUEA note or description associated with the transfer.
transactionReferencestringTRUEA unique reference identifier for the transfer transaction.
callbackstringFALSEAn optional URL for asynchronous notifications about the transfer.

Response Body#

Field NameTypeDescription
idintegerUnique identifier for the transfer transaction.
destinationInstitutionCodestringThe code identifying the destination institution.
destinationBankNamestringThe name of the destination bank.
destinationAccountNamestringThe name associated with the destination account.
destinationAccountNUBANstringThe NUBAN (account number) of the destination account.
amountintegerThe amount that was transferred.
currencystringThe currency in which the transfer was executed (e.g., NGN).
narrationstringA brief description or note regarding the transfer.
transactionDatestringThe timestamp indicating when the transaction was processed.
transactionReferencestringThe unique reference assigned to the transfer transaction.
tpTransactionIDstringA unique identifier provided by the third-party processor (if applicable).
sessionIDstringAn identifier for tracking the transfer session.
transactionStatusstringThe current status of the transaction (e.g., AUTHORIZED, FAILED).
clientIDintegerThe identifier of the client who initiated the transfer.
createdDatestringThe timestamp indicating when the transfer record was created.

Request

Body Params application/json

Example
{
    "sourceAccountNUBAN":"0000000127",
    "destinationInstitutionCode": "000001",
    "destinationAccountNUBAN":"0000000771",
    "clientBVN":"9898989811",
    "amount":1,
    "narration":"Test Transfer",
    "transactionReference":"NG-3434343t4892",
    "callback":"https://www.google.com"
}

Request samples

Shell
JavaScript
Java
Swift
Go
PHP
Python
HTTP
C
C#
Objective-C
Ruby
OCaml
Dart
R
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST '/transfer' \
--header 'Content-Type: application/json' \
--data-raw '{
    "sourceAccountNUBAN":"0000000127",
    "destinationInstitutionCode": "000001",
    "destinationAccountNUBAN":"0000000771",
    "clientBVN":"9898989811",
    "amount":1,
    "narration":"Test Transfer",
    "transactionReference":"NG-3434343t4892",
    "callback":"https://www.google.com"
}'

Responses

🟢200Interbank Transfer
application/json
Body

Example
{
    "id": 3,
    "destinationBankSortCode": "000001",
    "destinationBankName": "STERLING BANK PLC",
    "destinationAccountName": "12345678 iRecharge",
    "destinationAccountNumber": "000000077",
    "amount": 1,
    "currency": "NGN",
    "narration": "Test  F",
    "transactionDate": "2023-02-23T11:59:51.309+00:00",
    "transactionReference": "25",
    "sessionID": null,
    "transactionStatus": "AUTHORIZED",
    "clientID": 1,
    "createdDate": "2023-02-23T11:59:51.471+00:00"
}
Modified at 2025-03-17 22:08:41
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Interbank Transfer [Sync]
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