Bank Transfer

Bank Transfer API

Description:
This folder contains endpoints for handling bank transfers. It provides functionality for merchant and customer bank transfers, as well as retrieving a list of available banks and checking bank account details.

Endpoints:

Merchant Bank Transfer
- URL: /transfers/bank
- Description: This endpoint is used by merchants to initiate a bank transfer.
- Method: POST
- Request Body:
  - Includes the necessary details to initiate a bank transfer (e.g., amount, account details, reference).
- Response:
  - On success, returns the transaction details and status of the bank transfer.
List of Banks
- URL: /transfers/banks
- Description: This endpoint returns a list of available banks for transfer purposes.
- Method: GET
- Response:
  - A list of banks that can be used for transfers, including their names and details.
Get Bank Detail
- URL: /transfers/account
- Description: This endpoint allows you to retrieve details of a bank account, given the account number and other necessary details.
- Method: GET
- Request Parameters:
  - account_number (string): The account number for which details are to be fetched.
- Response:
  - Returns the details of the bank account, including the bank name, account type, and more.
Customer Bank Transfer
- URL: /transfers/bank/customer
- Description: This endpoint is used by customers to initiate a bank transfer.
- Method: POST
- Request Body:
  - Includes the necessary details to initiate the bank transfer (e.g., amount, account details, reference).
- Response:
  - On success, returns the transaction details and status of the customer bank transfer.

Common Request Headers:

X-API-Key: Authentication key to access the API.

Merchant Transfer to bank account

Merchant Bank Transfer

Endpoint: POST /v1/transfers/bank

Description:
This endpoint allows merchants to initiate a bank transfer by providing the required transfer details. An optional reference can be provided by the merchant. If not provided, a new reference will be generated automatically.

Request Body:

amount (float): The amount to be transferred.
reference (string, optional): A unique reference for the transaction. If not provided, a new reference will be generated.
sortCode (string): The sort code of the recipient's bank.
narration (string): A short description or message about the transfer.
accountNumber (string): The account number of the recipient.
accountName (string): The name of the account holder.
metadata (object, optional): Additional information about the transfer (e.g., reason).
- reason (string, optional): The reason for the transfer.

Response:

On success, returns the details of the initiated bank transfer, including the transaction status and the reference used.
If the reference is provided and a transaction already exists with that reference, an error will be returned.

Error Handling:

If the provided reference already exists, a 409 Conflict error will be returned.
If any required parameter is missing or invalid, a 400 Bad Request error will be returned.

Notes:

Ensure that the X-API-Key header is included for authentication: X-API-Key: API_KEY

Method: POST

{{BASE_URL}}/transfers/bank

Headers

Content-Type	Value
X-API-Key	`X-API-Key`

Headers

Content-Type	Value

Body (raw)

json

{
  "amount": 50,
  "reference": "38bDlOwxUmrDv3yzP46mZyiEaZWpYVcxMHLd",
  "sort_code": "000013",
  "narration": "Testing",
  "account_number": "1700263070",
  "account_name": "Obagunwa Emmanuel",
  "metadata": {
    "reason": "testing"
  }
}

Response: 201

Response example:

json

{
  "success": true,
  "message": "You have successfully make a transfer",
  "data": {
    "id": "c4726646-5719-411f-a621-68e8d019c42f",
    "reference": "TXN-1743766824-92b964421e1f5ba1",
    "currency": "NGN",
    "environment": "SANDBOX",
    "balance_after": 1000050,
    "balance_before": 1000150,
    "merchant_id": "c0f0faec-5f1a-450f-84c7-20c7a18d1249",
    "metadata": "eyJ2YXQiOiAwLjc1LCAiYW1vdW50IjogMTAwLCAiY2hhcmdlcyI6IDEwLCAiYmFua05hbWUiOiAiR1RCQU5LIFBMQyIsICJzb3J0Q29kZSI6ICIwMDAwMTMiLCAibmFycmF0aW9uIjogIlRlc3RpbmciLCAiYWNjb3VudE5hbWUiOiAiT2JhZ3Vud2EgRW1tYW51ZWwiLCAidG90YWxBbW91bnQiOiAxMTAuNzUsICJhY2NvdW50TnVtYmVyIjogIjE3MDAyNjMwNzAiLCAid2FsbGV0QWNjb3VudE5hbWUiOiAiRmluZWNvcmUgVGVjaG5vbG9neSBMaW1pdGVkIiwgImFkZGl0aW9uYWxNZXRhZGF0YSI6IHsicmVhc29uIjogInRlc3RpbmcifX0=",
    "amount": 100,
    "status": "success",
    "destination": "1700263070/000013",
    "description": "Transfer of NGN100.00 to Obagunwa Emmanuel (1700263070/GTBANK PLC)/100040250404114025015956728192",
    "type": "DEBIT",
    "category": "BANK_TRANSFER"
  }
}

Bank List

List of Banks

Endpoint: GET /v1/transfers/banks

Description:
This endpoint retrieves a list of banks available for transfers. The list contains details about each bank, including the bank name, code, and other relevant information. This can be used to view all supported banks for transfer operations.

Response:

On success, returns a list of banks, including their details such as bank name, code, and any other relevant information.
If no banks are available, an empty list is returned.

Error Handling:

If there is an issue fetching the list of banks, a 500 Internal Server Error will be returned.

Notes:

Ensure that the X-API-Key header is included for authentication: X-API-Key: API_KEY

Method: GET

{{BASE_URL}}/transfers/banks

Headers

Content-Type	Value
X-API-Key	`X-API-Key`

Response: 200

Response example:

json

{
  "success": true,
  "message": "Successfully fetch list of banks",
  "data": [
    { "code": "110005", "name": "3LINE CARD MANAGEMENT LIMITED" },
    { "code": "110072", "name": "78 FINANCE COMPANY LIMITED" },
    { "code": "090629", "name": "9JAPAY MICROFINANCE BANK" },
    { "code": "120001", "name": "9 PAYMENT SERVICE BANK" },
    { "code": "050005", "name": "AAA FINANCE AND INVESTMENT COMPANY LIMITED" },
    { "code": "070010", "name": "ABBEY MORTGAGE BANK" },
    { "code": "090270", "name": "AB MICROFINANCE BANK" },
    { "code": "090260", "name": "ABOVE ONLY MICROFINANCE BANK" },
    { "code": "288037", "name": "ABSA BANK GHANA LIMITED" },
    { "code": "090640", "name": "ABSU MICROFINANCE BANK" },
    { "code": "090424", "name": "ABUCOOP MFB" },
    { "code": "090545", "name": "ABULESORO MICROFINANCE BANK" },
    { "code": "090197", "name": "ABU MICROFINANCE BANK" },
    { "code": "090202", "name": "ACCELEREX NETWORK LIMITED" },
    { "code": "000014", "name": "ACCESS BANK" },
    { "code": "000005", "name": "ACCESS(DIAMOND) BANK" },
    { "code": "100013", "name": "ACCESS MONEY" },
    { "code": "100052", "name": "ACCESS YELLO \u0026 BETA" },
    { "code": "090134", "name": "ACCION MICROFINANCE BANK" },
    { "code": "090483", "name": "ADA MFB" },
    { "code": "090160", "name": "ADDOSSER MICROFINANCE BANK" },
    { "code": "090268", "name": "ADEYEMI COLLEGE STAFF MICROFINANCE BANK" },
    { "code": "090155", "name": "ADVANS LA FAYETTE  MICROFINANCE BANK" },
    { "code": "090614", "name": "AELLA MICROFINANCE BANK" },
    { "code": "090292", "name": "AFEKHAFE MICROFINANCE BANK" },
    { "code": "090518", "name": "AFEMAI MFB" },
    { "code": "100028", "name": "AG MORTGAGE BANK" },
    { "code": "090371", "name": "AGOSASA MICROFINANCE BANK" },
    { "code": "090698", "name": "AKALABO MFB" },
    { "code": "090608", "name": "AKPO MICROFINANCE BANK" },
    { "code": "090561", "name": "AKUCHUKWU MICROFINANCE BANK" },
    { "code": "090531", "name": "AKU MICROFINANCE BANK" },
    { "code": "090133", "name": "AL-BARAKAH MICROFINANCE BANK" },
    { "code": "090259", "name": "ALEKUN MICROFINANCE BANK" },
    { "code": "090297", "name": "ALERT MICROFINANCE BANK" },
    { "code": "090277", "name": "AL-HAYAT MICROFINANCE BANK" },
    { "code": "090131", "name": "ALLWORKERS MICROFINANCE BANK" },
    { "code": "090548", "name": "ALLY MICROFINANCE BANK" },
    { "code": "090169", "name": "ALPHA KAPITAL MICROFINANCE BANK" },
    { "code": "000037", "name": "ALTERNATIVE BANK LIMITED" },
    { "code": "090394", "name": "AMAC MICROFINANCE BANK" },
    { "code": "090180", "name": "AMJU UNIQUE MICROFINANCE BANK" },
    { "code": "090116", "name": "AMML MICROFINANCE BANK" },
    { "code": "090610", "name": "AMOYE MICROFINANCE BANK" },
    { "code": "090645", "name": "AMUCHA MICROFINANCE BANK" },
    { "code": "090143", "name": "APEKS MICROFINANCE BANK" },
    { "code": "090737", "name": "APEX TRUST MFB" },
    { "code": "090376", "name": "APPLE MICROFINANCE BANK" },
    { "code": "090282", "name": "ARISE MICROFINANCE BANK" },
    { "code": "090001", "name": "ASO SAVINGS" },
    { "code": "090544", "name": "ASPIRE MICROFINANCE BANK" },
    { "code": "090287", "name": "ASSET MATRIX MICROFINANCE BANK" },
    { "code": "090473", "name": "ASSETS MICROFINANCE BANK" },
    { "code": "090172", "name": "ASTRAPOLARIS MICROFINANCE BANK" },
    { "code": "090264", "name": "AUCHI MICROFINANCE BANK" },
    { "code": "090633", "name": "AWACASH MICROFINANCE BANK" },
    { "code": "090729", "name": "BABCOCK MFB" },
    { "code": "090625", "name": "BABURA MICROFINANCE BANK" },
    { "code": "090188", "name": "BAINES CREDIT MICROFINANCE BANK" },
    { "code": "090563", "name": "BALERA MICROFINANCE BANK" },
    { "code": "090326", "name": "BALOGUN GAMBARI MICROFINANCE BANK" },
    { "code": "090651", "name": "BAM MICROFINANCE BANK" },
    { "code": "090581", "name": "BANC CORP MICROFINANCE BANK" },
    { "code": "090275", "name": "BANKIT MICROFINANCE BANK" },
    { "code": "090529", "name": "BANKLY(AMPERSAND) MICROFINANCE BANK" },
    { "code": "288028", "name": "BANK OF AFRICA GHANA LTD" },
    { "code": "288001", "name": "BANK OF GHANA" },
    { "code": "694001", "name": "BANK OF SIERRA LEONE" },
    { "code": "324001", "name": "BANQUE CENTRALE DE LA RÉPUBLIQUE DE GUINÉE" },
    { "code": "090136", "name": "BAOBAB MICROFINANCE BANK" },
    { "code": "090316", "name": "BAYERO UNIVERSITY MICROFINANCE BANK" },
    { "code": "090127", "name": "BC KASH MICROFINANCE BANK" },
    { "code": "090672", "name": "BELLBANK MFB" },
    { "code": "090618", "name": "BERACHAH MICROFINANCE BANK" },
    { "code": "090615", "name": "BESTSTAR MICROFINANCE BANK" },
    { "code": "090683", "name": "BETHEL MICROFINANCE BANK" },
    { "code": "090336", "name": "BIPC MICROFINANCE BANK" },
    { "code": "090555", "name": "BISHOPGATE MICROFINANCE BANK" },
    { "code": "270014", "name": "BLOOM BANK AFRICA GAMBIA LIMITED" },
    { "code": "090431", "name": "BLUEWHALES MICROFINANCE BANK" },
    { "code": "090117", "name": "BOCTRUST MICROFINANCE BANK LIMITED" },
    { "code": "090703", "name": "BOKKOS MICROFINANCE BANK" },
    { "code": "090395", "name": "BORGU  MICROFINANCE BANK" },
    { "code": "090176", "name": "BOSAK MICROFINANCE BANK" },
    { "code": "090148", "name": "BOWEN MICROFINANCE BANK" },
    { "code": "050006", "name": "BRANCH INTERNATIONAL FINANCIAL SERVICES" },
    { "code": "070015", "name": "BRENT MORTGAGE BANK" },
    { "code": "090293", "name": "BRETHREN MICROFINANCE BANK" },
    { "code": "090393", "name": "BRIDGEWAY MICROFINANACE BANK" },
    { "code": "090308", "name": "BRIGHTWAY MICROFINANCE BANK" },
    { "code": "090636", "name": "BRIYTH-COVENANT MICROFINANCE BANK" },
    { "code": "090568", "name": "BROADVIEW MICROFINANCE BANK" },
    { "code": "090613", "name": "BUILD MICROFINANCE BANK" },
    { "code": "090661", "name": "BUNDI MICROFINANCE BANK" },
    { "code": "090655", "name": "BUNKURE MICROFINANCE BANK" },
    { "code": "090406", "name": "BUSINESS SUPPORT MICROFINANCE BANK" },
    { "code": "090682", "name": "BUYPOWER MICROFINANACE BANK" },
    { "code": "288036", "name": "CALBANK PLC" },
    { "code": "090647", "name": "CANAAN MICROFINANCE BANK" },
    { "code": "090445", "name": "CAPSTONE MICROFINANCE BANK" },
    { "code": "100026", "name": "CARBON" },
    { "code": "050017", "name": "CARDINALSTONE FINANCE" },
    { "code": "090634", "name": "CASHBRIDGE MICROFINANCE BANK" },
    { "code": "090360", "name": "CASHCONNECT MICROFINANCE BANK" },
    { "code": "090649", "name": "CASHRITE MICROFINANCE BANK" },
    { "code": "090498", "name": "CATLAND MICROFINANCE BANK" },
    { "code": "000028", "name": "CBN" },
    { "code": "090562", "name": "CEDAR MICROFINANCE BANK" },
    { "code": "100005", "name": "CELLULANT" },
    { "code": "090154", "name": "CEMCS MICROFINANCE BANK" },
    { "code": "270013", "name": "CENTRAL BANK OF GAMBIA" },
    { "code": "430049", "name": "CENTRAL BANK OF LIBERIA" },
    { "code": "090397", "name": "CHANELLE MICROFINANCE BANK" },
    { "code": "090141", "name": "CHIKUM MICROFINANCE BANK" },
    { "code": "000009", "name": "CITI BANK" },
    { "code": "090144", "name": "CIT MICROFINANCE BANK" },
    { "code": "070027", "name": "CITYCODE MORTGAGE BANK" },
    { "code": "090482", "name": "CLEARPAY MICROFINANCE BANK" },
    { "code": "090374", "name": "COASTLINE MICROFINANCE BANK" },
    { "code": "090530", "name": "CONFIDENCE MICROFINANCE BANK" },
    { "code": "090553", "name": "CONSISTENT TRUST MICROFINANCE BANK" },
    { "code": "288027", "name": "CONSOLIDATED BANK GHANA LIMITED" },
    { "code": "090130", "name": "CONSUMER MICROFINANCE BANK" },
    { "code": "090717", "name": "COOPFUND MFB" },
    { "code": "070021", "name": "COOP MORTGAGE BANK" },
    { "code": "090365", "name": "CORESTEP MICROFINANCE BANK" },
    { "code": "060001", "name": "CORONATION MERCHANT BANK" },
    { "code": "050001", "name": "COUNTY FINANCE LIMITED" },
    { "code": "070006", "name": "COVENANT MICROFINANCE BANK" },
    { "code": "090159", "name": "CREDIT AFRIQUE MICROFINANCE BANK" },
    { "code": "110049", "name": "CREDIT DIRECT LIMITED" },
    { "code": "090611", "name": "CREDITVILLE MICROFINANCE BANK" },
    { "code": "090526", "name": "CRESCENT MICROFINANCE BANK" },
    { "code": "090560", "name": "CRUST MICROFINANCE BANK" },
    { "code": "050029", "name": "CRYSTAL FINANCE COMPANY LIMITED" },
    { "code": "090686", "name": "CSD MICROFINANCE BANK" },
    { "code": "110014", "name": "CYBERSPACE LIMITED" },
    { "code": "090705", "name": "DAILY TRUST MFB" },
    { "code": "090596", "name": "DAL MICROFINANCE BANK" },
    { "code": "090673", "name": "DAVENPORT MICROFINANCE BANK" },
    { "code": "090391", "name": "DAVODANI  MICROFINANCE BANK" },
    { "code": "090167", "name": "DAYLIGHT MICROFINANCE BANK" },
    { "code": "090723", "name": "DESTINY MFB" },
    { "code": "090745", "name": "DIGITVANT MFB" },
    { "code": "050013", "name": "DIGNITY FINANCE AND INVESTMENT LIMITED" },
    { "code": "090643", "name": "DIOBU MICROFINANCE BANK" },
    { "code": "090470", "name": "DOT MICROFINANCE BANK" },
    { "code": "090721", "name": "DW MFB" },
    { "code": "090294", "name": "EAGLE FLIGHT MICROFINANCE BANK" },
    { "code": "090674", "name": "EARNWELL MICROFINANCE BANK" },
    { "code": "100021", "name": "EARTHOLEUM" },
    { "code": "090156", "name": "E-BARCS MICROFINANCE BANK" },
    { "code": "000010", "name": "ECOBANK" },
    { "code": "430004", "name": "ECOBANK LIBERIA LIMITED" },
    { "code": "100008", "name": "ECOBANK XPRESS ACCOUNT" },
    { "code": "100030", "name": "ECOMOBILE" },
    { "code": "090310", "name": "EDFIN MICROFINANCE BANK" },
    { "code": "050016", "name": "E-FINANCE" },
    { "code": "090694", "name": "EJINDU MICROFINANCE BANK" },
    { "code": "090097", "name": "EKONDO MICROFINANCE BANK" },
    { "code": "090389", "name": "EK-RELIABLE MICROFINANCE BANK" },
    { "code": "090712", "name": "EMAAR MFB" },
    { "code": "090273", "name": "EMERALD MICROFINANCE BANK" },
    { "code": "090114", "name": "EMPIRE TRUST MICROFINANCE BANK" },
    { "code": "050012", "name": "ENCO FINANCE COMPANY LTD" },
    { "code": "000019", "name": "ENTERPRISE BANK" },
    { "code": "090656", "name": "ENTITY MICROFINANCE BANK" },
    { "code": "090189", "name": "ESAN MICROFINANCE BANK" },
    { "code": "090166", "name": "ESO-E MICROFINANCE BANK" },
    { "code": "100006", "name": "ETRANZACT" },
    { "code": "090304", "name": "EVANGEL MICROFINANCE BANK" },
    { "code": "090332", "name": "EVERGREEN MICROFINANCE BANK" },
    { "code": "090572", "name": "EWT MICROFINANCE BANK" },
    { "code": "090541", "name": "EXCELLENT MICROFINANCE BANK" },
    { "code": "090678", "name": "EXCEL MICROFINANCE BANK" },
    { "code": "090328", "name": "EYOWO" },
    { "code": "090551", "name": "FAIRMONEY" },
    { "code": "050009", "name": "FAST CREDIT LIMITED" },
    { "code": "090179", "name": "FAST MICROFINANCE BANK" },
    { "code": "288032", "name": "FBNBANK GHANA LIMITED" },
    { "code": "060002", "name": "FBNQUEST MERCHANT BANK" },
    { "code": "090409", "name": "FCMB MFB" },
    { "code": "100031", "name": "FCMB MOBILE" },
    { "code": "090290", "name": "FCT MICROFINANCE BANK" },
    {
      "code": "090398",
      "name": "FEDERAL POLYTECHNIC NEKEDE MICROFINANCE BANK"
    },
    { "code": "090318", "name": "FEDERAL UNIVERSITY DUTSE MICROFINANCE BANK" },
    { "code": "090298", "name": "FEDPOLY NASARAWA MICROFINANCE BANK" },
    { "code": "100001", "name": "FETS" },
    { "code": "050002", "name": "FEWCHORE FINANCE COMPANY LIMITED" },
    { "code": "090153", "name": "FFS MICROFINANCE BANK" },
    { "code": "000007", "name": "FIDELITY BANK" },
    { "code": "100019", "name": "FIDELITY MOBILE" },
    { "code": "090126", "name": "FIDFUND MICROFINANCE BANK" },
    { "code": "090111", "name": "FINATRUST MICROFINANCE BANK" },
    { "code": "090400", "name": "FINCA MICROFINANCE BANK" },
    { "code": "090366", "name": "FIRMUS MICROFINANCE BANK" },
    { "code": "110004", "name": "FIRST APPLE LIMITED" },
    { "code": "288035", "name": "FIRST ATLANTIC BANK GHANA LIMITED" },
    { "code": "000016", "name": "FIRST BANK OF NIGERIA" },
    { "code": "000003", "name": "FIRST CITY MONUMENT BANK" },
    { "code": "070014", "name": "FIRST GENERATION MORTGAGE BANK" },
    { "code": "100014", "name": "FIRSTMONIE WALLET" },
    { "code": "090285", "name": "FIRST OPTION MICROFINANCE BANK" },
    { "code": "090164", "name": "FIRST ROYAL MICROFINANCE BANK" },
    { "code": "090107", "name": "FIRST TRUST MORTGAGE BANK PLC" },
    { "code": "110002", "name": "FLUTTERWAVE TECHNOLOGY SOLUTIONS LIMITED" },
    { "code": "090709", "name": "FOCUS MFB" },
    { "code": "090521", "name": "FORESIGHT MICROFINANCE BANK" },
    { "code": "070002", "name": "FORTIS MICROFINANCE BANK" },
    { "code": "100016", "name": "FORTIS MOBILE" },
    { "code": "090486", "name": "FORTRESS MICROFINANCE BANK" },
    { "code": "400001", "name": "FSDH" },
    { "code": "090145", "name": "FULLRANGE MICROFINANCE BANK" },
    { "code": "090158", "name": "FUTO MICROFINANCE BANK" },
    { "code": "090582", "name": "GABASAWA MICROFINANCE BANK" },
    { "code": "090591", "name": "GABSYN MICROFINANCE BANK" },
    { "code": "090691", "name": "GARUN MALLAM MFB" },
    { "code": "090168", "name": "GASHUA MICROFINANCE BANK" },
    { "code": "070009", "name": "GATEWAY MORTGAGE BANK" },
    { "code": "288025", "name": "GCB BANK PLC" },
    { "code": "050026", "name": "GDL FINANCE" },
    { "code": "090621", "name": "GIDAUNIYAR ALHERI MICROFINANCE BANK" },
    { "code": "090186", "name": "GIREI MICROFINANACE BANK" },
    { "code": "090639", "name": "GLOBAL INITIATIVE MICROFINANCE BANK" },
    { "code": "000027", "name": "GLOBUS BANK" },
    { "code": "090278", "name": "GLORY MICROFINANCE BANK" },
    { "code": "090408", "name": "GMB MICROFINANCE BANK" },
    { "code": "090586", "name": "GOMBE MICROFINANCE BANK LIMITED" },
    { "code": "090664", "name": "GOOD SHEPHERD MICROFINANCE BANK" },
    { "code": "090687", "name": "GOSIFECHUKWU MICROFINANCE BANK" },
    { "code": "090122", "name": "GOWANS MICROFINANCE BANK" },
    { "code": "090335", "name": "GRANTS MICROFINANCE BANK" },
    { "code": "090599", "name": "GREENACRES MICROFINANCE BANK LTD" },
    { "code": "090178", "name": "GREENBANK MICROFINANCE BANK" },
    { "code": "090550", "name": "GREEN ENERGY MICROFINANCE BANK" },
    { "code": "090269", "name": "GREENVILLE MICROFINANCE BANK" },
    { "code": "060004", "name": "GREENWICH MERCHANT BANK" },
    { "code": "090195", "name": "GROOMING MICROFINANCE BANK" },
    { "code": "000013", "name": "GTBANK PLC" },
    { "code": "090385", "name": "GTI MICROFINANCE BANK" },
    { "code": "100009", "name": "GT MOBILE" },
    { "code": "288031", "name": "GUARANTY TRUST BANK (GHANA) LTD" },
    { "code": "090500", "name": "GWONG MICROFINANCE BANK" },
    { "code": "090147", "name": "HACKMAN MICROFINANCE BANK" },
    { "code": "070017", "name": "HAGGAI MORTGAGE BANK LIMITED" },
    { "code": "090291", "name": "HALALCREDIT MICROFINANCE BANK" },
    { "code": "090539", "name": "HALO MICROFINANCE BANK" },
    { "code": "090121", "name": "HASAL MICROFINANCE BANK" },
    { "code": "090363", "name": "HEADWAY MICROFINANCE BANK" },
    { "code": "100017", "name": "HEDONMARK" },
    { "code": "000020", "name": "HERITAGE BANK" },
    { "code": "0070024", "name": "HOMEBASE MORTGAGE BANK" },
    { "code": "120002", "name": "HOPEPSB" },
    { "code": "090115", "name": "IBANK MICROFINANCE BANK" },
    { "code": "090697", "name": "IBBU MFB" },
    { "code": "090118", "name": "IBILE MICROFINANCE BANK" },
    { "code": "090532", "name": "IBOLO MICROFINANCE BANK" },
    { "code": "090519", "name": "IBOM FADAMA MICROFINANCE BANK" },
    { "code": "090520", "name": "IC GLOBAL MICROFINANCE BANK" },
    { "code": "090725", "name": "IHIALA MFB" },
    { "code": "090730", "name": "IJARE MFB" },
    { "code": "090546", "name": "IJEBU-IFE MICROFINANCE BANK" },
    { "code": "090324", "name": "IKENNE MICROFINANCE BANK" },
    { "code": "090279", "name": "IKIRE MICROFINANCE BANK" },
    { "code": "090681", "name": "IKOYI ILE MICROFINANCEBANK" },
    { "code": "090571", "name": "ILARO POLY MICROFINANCE BANK" },
    { "code": "090710", "name": "ILE-OLUJI MFB" },
    { "code": "090370", "name": "ILISAN MICROFINANCE BANK" },
    { "code": "090430", "name": "ILORA MICROFINANCE BANK" },
    { "code": "090258", "name": "IMO STATE MICROFINANCE BANK" },
    { "code": "100024", "name": "IMPERIAL HOMES MORTGAGE BANK" },
    { "code": "090670", "name": "IMSU MICROFINANCE BANK" },
    { "code": "090157", "name": "INFINITY MICROFINANCE BANK" },
    { "code": "070016", "name": "INFINITY TRUST MORTGAGE BANK" },
    { "code": "100029", "name": "INNOVECTIVES KESH" },
    { "code": "100027", "name": "INTELLIFIN" },
    { "code": "090386", "name": "INTERLAND MICROFINANCE BANK" },
    { "code": "423003", "name": "INTERNATIONAL BANK (LIBERIA) LIMITED" },
    { "code": "110003", "name": "INTERSWITCH LIMITED" },
    { "code": "090149", "name": "IRL MICROFINANCE BANK" },
    { "code": "090377", "name": "ISALEOYO MICROFINANCE BANK" },
    { "code": "090584", "name": "ISLAND MICROFINANCE BANK" },
    { "code": "090701", "name": "ISUA MICROFINANCE BANK" },
    { "code": "090543", "name": "IWOAMA MICROFINANCE BANK" },
    { "code": "090337", "name": "IYE OKIN MICROFINANCE BANK LTD" },
    { "code": "000006", "name": "JAIZ BANK" },
    { "code": "070029", "name": "JIGAWA SAVINGS AND LOANS" },
    { "code": "090003", "name": "JUBILEE LIFE" },
    { "code": "090320", "name": "KADPOLY MICROFINANCE BANK" },
    { "code": "090669", "name": "KADUPE MICROFINANCE BANK" },
    { "code": "090684", "name": "KATAGUM MFB" },
    { "code": "090667", "name": "KAYI MICROFINANCE BANK" },
    { "code": "090554", "name": "KAYVEE MICROFINANCE BANK" },
    { "code": "090191", "name": "KCMB MICROFINANCE BANK" },
    { "code": "090549", "name": "KC MICROFINANCE BANK" },
    { "code": "100036", "name": "KEGOW(CHAMSMOBILE)" },
    { "code": "000002", "name": "KEYSTONE BANK" },
    { "code": "090606", "name": "KKU MICROFINANCE BANK" },
    { "code": "090480", "name": "KOLOMONI MICROFINANCE BANK" },
    { "code": "100025", "name": "KONGAPAY" },
    { "code": "090299", "name": "KONTAGORA MICROFINANCE BANK" },
    { "code": "090617", "name": "KOPO KOPE MICROFINANCE BANK" },
    { "code": "090380", "name": "KREDI MONEY MICROFINANCE BANK" },
    { "code": "090267", "name": "KUDA MICROFINANCE BANK" },
    { "code": "070012", "name": "LAGOS BUILDING AND INVESTMENT COMPANY" },
    { "code": "090177", "name": "LAPO MICROFINANCE BANK" },
    { "code": "090271", "name": "LAVENDER MICROFINANCE BANK" },
    { "code": "090724", "name": "LAWYERS MFB" },
    { "code": "090650", "name": "LEADCITY MICROFINANCE BANK" },
    { "code": "110044", "name": "LEADREMIT LIMITED" },
    { "code": "090372", "name": "LEGEND MICROFINANCE BANK" },
    { "code": "090420", "name": "LETSHEGO MICROFI" },
    { "code": "090731", "name": "LEVITE MFB" },
    { "code": "090557", "name": "LIFEGATE MICROFINANCE BANK" },
    { "code": "090435", "name": "LINKS MICROFINANCE BANK" },
    { "code": "070007", "name": "LIVINGTRUST MORTGAGE BANK PLC" },
    { "code": "090620", "name": "LOMA MFB" },
    { "code": "000029", "name": "LOTUS BANK" },
    { "code": "090265", "name": "LOVONUS MICROFINANCE BANK" },
    { "code": "050015", "name": "LUKEFIELD FINANCE COMPANY LIMITED" },
    { "code": "100035", "name": "M36" },
    { "code": "090623", "name": "MAB ALLIANZ MICROFINANCE BANK" },
    { "code": "090630", "name": "MABINAS MICROFINANCE BANK" },
    { "code": "090603", "name": "MACROD MICROFINANCE BANK LIMITED" },
    { "code": "090605", "name": "MADOBI MICROFINANCE BANK" },
    { "code": "090746", "name": "MAESTRO MFB" },
    { "code": "090323", "name": "MAINLAND MICROFINANCE BANK" },
    { "code": "090171", "name": "MAINSTREET MICROFINANCE BANK" },
    { "code": "090174", "name": "MALACHY MICROFINANCE BANK" },
    { "code": "090383", "name": "MANNY MICROFINANCE BANK" },
    { "code": "090410", "name": "MARITIME MICROFINANCE BANK" },
    { "code": "090321", "name": "MAYFAIR MICROFINANCE BANK" },
    { "code": "070019", "name": "MAYFRESH MORTGAGE BANK" },
    { "code": "090612", "name": "MEDEF MICROFINANCE BANK" },
    { "code": "090280", "name": "MEGAPRAISE MICROFINANCE BANK" },
    { "code": "090589", "name": "MERCURY MICROFINANCE BANK" },
    { "code": "090659", "name": "MICHAEL OKPARA UNIAGRIC UNIVERSITY MFB" },
    { "code": "090587", "name": "MICROBIZ MICROFINANCE BANK" },
    { "code": "090113", "name": "MICROVIS MICROFINANCE BANK" },
    { "code": "090192", "name": "MIDLAND MICROFINANCE BANK" },
    { "code": "090607", "name": "MINJIBIR MICROFINANCE BANK" },
    { "code": "090281", "name": "MINT-FINEX MFB" },
    { "code": "090455", "name": "MKOBO MFB" },
    { "code": "100011", "name": "MKUDI" },
    { "code": "090685", "name": "M\u0026M MICROFINANCE BANK" },
    { "code": "090362", "name": "MOLUSI MICROFINANCE BANK" },
    { "code": "120003", "name": "MOMO PAYMENT SERVICE BANK" },
    { "code": "100020", "name": "MONEY BOX" },
    { "code": "120005", "name": "MONEY MASTER PSB" },
    { "code": "090129", "name": "MONEY TRUST MICROFINANCE BANK" },
    { "code": "090405", "name": "MONIEPOINT MICROFINANCE BANK" },
    { "code": "090392", "name": "MOZFIN MICROFINANCE BANK" },
    { "code": "070028", "name": "MUTUAL ALLIANCE MORTGAGE BANK" },
    { "code": "090190", "name": "MUTUAL BENEFITS MICROFINANCE BANK" },
    { "code": "090151", "name": "MUTUAL TRUST MICROFINANCE BANK" },
    { "code": "090740", "name": "NAF MFB" },
    { "code": "090152", "name": "NAGARTA MICROFINANCE BANK" },
    { "code": "090679", "name": "NDDC MICROFINANCE BANK" },
    { "code": "090128", "name": "NDIORAH MICROFINANCE BANK" },
    { "code": "090329", "name": "NEPTUNE MICROFINANCE BANK" },
    { "code": "090675", "name": "NET MICROFINANCE BANK" },
    { "code": "090205", "name": "NEW DAWN MICROFINANCE BANK" },
    { "code": "090378", "name": "NEW GOLDEN PASTURES MICROFINANCE BANK" },
    { "code": "090108", "name": "NEW PRUDENTIAL BANK" },
    { "code": "030001", "name": "NEXIM BANK" },
    { "code": "090263", "name": "NIGERIAN NAVY MICROFINANCE BANK" },
    { "code": "090505", "name": "NIGERIA PRISONS MICROFINANCE BANK" },
    { "code": "999999", "name": "NIP VIRTUAL BANK" },
    { "code": "090194", "name": "NIRSAL NATIONAL MICROFINANCE BANK" },
    { "code": "090283", "name": "NNEW WOMEN MICROFINANCE BANK" },
    { "code": "090736", "name": "NOMASE MFB" },
    { "code": "060003", "name": "NOVA BANK" },
    { "code": "090734", "name": "NOVUS MFB" },
    { "code": "100032", "name": "NOWNOW DIGITAL SYSTEMS LIMITED" },
    { "code": "070001", "name": "NPF MICROFINANCE BANK" },
    { "code": "090628", "name": "NSEHE MICROFINANCE BANK" },
    { "code": "090676", "name": "NUGGETS MICROFINANCE BANK" },
    { "code": "090364", "name": "NUTURE MICROFINANCE BANK" },
    { "code": "090399", "name": "NWANNEGADI MICROFINANCE BANK" },
    { "code": "090333", "name": "OCHE MICROFINANCE BANK" },
    { "code": "090654", "name": "ODOAKPU MICROFINANCE BANK" },
    { "code": "090738", "name": "OGBERURU MFB" },
    { "code": "090739", "name": "OGIGE MFB" },
    { "code": "090119", "name": "OHAFIA MICROFINANCE BANK" },
    { "code": "090626", "name": "OHHA MICROFINANCE BANK" },
    { "code": "090527", "name": "OJOKORO MICROFINANCE BANK" },
    { "code": "090565", "name": "OKE-ARO OREDEGBE MFB" },
    { "code": "090646", "name": "OKENGWE MICROFINANCE BANK" },
    { "code": "090161", "name": "OKPOGA MICROFINANCE BANK" },
    { "code": "090566", "name": "OKUKU MICROFINANCE BANK" },
    { "code": "090272", "name": "OLABISI ONABANJO UNIVERSITY MICROFINANCE" },
    { "code": "090696", "name": "OLIVE MFB" },
    { "code": "090404", "name": "OLOWOLAGBA MICROFINANCE BANK" },
    { "code": "090404", "name": "OLOWOLAGBA MICROFINANCE BANK LIMITED" },
    { "code": "090700", "name": "OMAK MICROFINANCE BANK" },
    { "code": "090295", "name": "OMIYE MICROFINANCE BANK" },
    { "code": "288033", "name": "OMNIBSIC BANK GHANA LTD" },
    { "code": "100004", "name": "OPAY" },
    { "code": "000036", "name": "OPTIMUS BANK" },
    { "code": "090567", "name": "OROKAM MICROFINANCE BANK" },
    { "code": "090396", "name": "OSCOTECH MICROFINANCE BANK" },
    { "code": "090715", "name": "OSOMHE MFB" },
    { "code": "090580", "name": "OTECH MICROFINANCE BANK" },
    { "code": "090542", "name": "OTUO MICROFINANCE BANK" },
    { "code": "090635", "name": "OYAN MICROFINANCE BANK" },
    { "code": "100002", "name": "PAGA" },
    { "code": "070008", "name": "PAGE MFBANK" },
    { "code": "100033", "name": "PALMPAY" },
    { "code": "000030", "name": "PARALLEX BANK" },
    { "code": "100003", "name": "PARKWAY-READYCASH" },
    { "code": "090680", "name": "PATHFINDER MICROFINANACE BANK LIMITED" },
    { "code": "090317", "name": "PATRICKGOLD MICROFINANCE BANK" },
    { "code": "110001", "name": "PAYATTITUDE ONLINE" },
    { "code": "110006", "name": "PAYSTACK PAYMENT LIMITED" },
    { "code": "090402", "name": "PEACE MICROFINANCE BANK" },
    { "code": "090137", "name": "PECANTRUST MICROFINANCE BANK" },
    { "code": "090196", "name": "PENNYWISE MICROFINANCE BANK" },
    { "code": "090135", "name": "PERSONAL TRUST MICROFINANCE BANK" },
    { "code": "090165", "name": "PETRA MICROFINANCE BANK" },
    { "code": "050021", "name": "PFI FINANCE COMPANY LIMITED" },
    { "code": "090289", "name": "PILLAR MICROFINANCE BANK" },
    { "code": "070013", "name": "PLATINUM MORTGAGE BANK" },
    { "code": "000008", "name": "POLARIS BANK" },
    { "code": "090296", "name": "POLYUNWANA MICROFINANCE BANK" },
    { "code": "000031", "name": "PREMIUM TRUST  BANK" },
    { "code": "090274", "name": "PRESTIGE MICROFINANCE BANK" },
    { "code": "090495", "name": "PROSPA CAPITAL MICROFINANCE BANK" },
    { "code": "090689", "name": "PROSPECTS MICROFINANCE BANK" },
    { "code": "050023", "name": "PROSPERIS FINANCE LIMITED" },
    { "code": "090642", "name": "PROSPERITY MICROFINANCE BANK" },
    { "code": "000023", "name": "PROVIDUS BANK" },
    { "code": "288026", "name": "PRUDENTIAL BANK LIMITED" },
    { "code": "090690", "name": "PRUDENT MICROFINANCE BANK" },
    { "code": "090303", "name": "PURPLEMONEY MICROFINANCE BANK" },
    { "code": "090657", "name": "PYRAMID MICROFINANCE BANK" },
    { "code": "090261", "name": "QUICKFUND MICROFINANCE BANK" },
    { "code": "000024", "name": "RAND MERCHANT BANK" },
    { "code": "090616", "name": "RAYYAN MICROFINANCE BANK" },
    { "code": "070011", "name": "REFUGE MORTGAGE BANK" },
    { "code": "090125", "name": "REGENT MICROFINANCE BANK" },
    { "code": "090463", "name": "REHOBOTH MICROFINANCE BANK" },
    { "code": "090173", "name": "RELIANCE MICROFINANCE BANK" },
    { "code": "090198", "name": "RENMONEY MICROFINANCE BANK" },
    { "code": "090322", "name": "REPHIDIM MICROFINANCE BANK" },
    { "code": "090666", "name": "REVELATION MICROFINANCE BANK" },
    { "code": "090449", "name": "REX MICROFINANCE BANK" },
    { "code": "090132", "name": "RICHWAY MICROFINANCE BANK" },
    { "code": "090720", "name": "RIC MFB" },
    { "code": "090433", "name": "RIGO MICROFINANCE BANK" },
    { "code": "090515", "name": "RIMA GROWTH PATHWAY MICROFINANCE BANK" },
    { "code": "090547", "name": "ROCKSHIELD MICROFINANCE BANK" },
    { "code": "090622", "name": "ROYAL BLUE MICROFINANCE BANK" },
    { "code": "090138", "name": "ROYAL EXCHANGE MICROFINANCE BANK" },
    { "code": "090175", "name": "RUBIES MICROFINANCE BANK" },
    { "code": "090727", "name": "SABI MFB" },
    { "code": "090485", "name": "SAFEGATE MICROFINANCE BANK" },
    { "code": "090286", "name": "SAFE HAVEN MICROFINANCE BANK" },
    { "code": "090006", "name": "SAFETRUST" },
    { "code": "090140", "name": "SAGAMU MICROFINANCE BANK" },
    { "code": "050003", "name": "SAGE GREY FINANCE LIMITED" },
    { "code": "430050", "name": "SAPELLE INTERNATIONAL BANK LIBERIA LIMITED" },
    { "code": "090513", "name": "SEAP MICROFINANCE BANK" },
    { "code": "090112", "name": "SEED CAPITAL MICROFINANCE BANK" },
    { "code": "090369", "name": "SEEDVEST MICROFINANCE BANK" },
    { "code": "090502", "name": "SHALOM MICROFINANCE BANK" },
    { "code": "090401", "name": "SHERPERD TRUST MICROFINANCE BANK" },
    { "code": "090559", "name": "SHIELD MICROFINANCE BANK" },
    { "code": "090558", "name": "SHONGOM MICROFINANCE BANK" },
    { "code": "000034", "name": "SIGNATURE BANK" },
    { "code": "050008", "name": "SIMPLE FINANCE LIMITED" },
    { "code": "090339", "name": "SINCERE MFB" },
    { "code": "120004", "name": "SMARTCASH PAYMENT SERVICE BANK" },
    { "code": "090506", "name": "SOLID ALLIANZE MICROFINANCE BANK" },
    { "code": "090524", "name": "SOLIDROCK MICROFINANCE BANK" },
    { "code": "090641", "name": "SOURCE MICROFINANCE BANK" },
    { "code": "090325", "name": "SPARKLE" },
    { "code": "090436", "name": "SPECTRUM MICROFINANCE BANK" },
    { "code": "288030", "name": "STANBIC BANK GHANA LTD" },
    { "code": "000012", "name": "STANBIC IBTC BANK" },
    { "code": "100007", "name": "STANBIC IBTC @EASE WALLET" },
    { "code": "000021", "name": "STANDARD CHARTERED BANK" },
    { "code": "090162", "name": "STANFORD MICROFINANCE BANK" },
    { "code": "090583", "name": "STATESIDE MFB" },
    { "code": "070022", "name": "STB MORTGAGE BANK" },
    { "code": "090262", "name": "STELLAS MICROFINANCE BANK" },
    { "code": "000001", "name": "STERLING BANK" },
    { "code": "100022", "name": "STERLING MOBILE" },
    { "code": "090305", "name": "SULSPAP MICROFINANCE BANK" },
    { "code": "090644", "name": "SUNTOP MICROFINANCE" },
    { "code": "000022", "name": "SUNTRUST BANK" },
    { "code": "090446", "name": "SUPPORT MICROFINANCE BANK" },
    { "code": "090564", "name": "SUPREME MICROFINANCE BANK" },
    { "code": "090728", "name": "SURE ANCHOR MFB" },
    { "code": "100023", "name": "TAGPAY" },
    { "code": "000026", "name": "TAJ BANK" },
    { "code": "090638", "name": "TANGALE MICROFINANCE BANK" },
    { "code": "090426", "name": "TANGERINE MONEY" },
    { "code": "110007", "name": "TEAMAPT LIMITED" },
    { "code": "100010", "name": "TEASY MOBILE" },
    { "code": "050007", "name": "TEKLA FACTORING AND FINANCE LIMITED" },
    { "code": "090716", "name": "TENN MFB" },
    { "code": "090711", "name": "THE MILLENNIUM MFB" },
    { "code": "090373", "name": "THINK FINANCE MICROFINANCE BANK" },
    { "code": "100039", "name": "TITAN-PAYSTACK" },
    { "code": "000025", "name": "TITAN TRUST BANK" },
    { "code": "090714", "name": "TOFA MFB" },
    { "code": "090613", "name": "TOTAL TRUST MICROFINANCE BANK" },
    { "code": "090708", "name": "TRANSPAY MFB" },
    { "code": "090663", "name": "TREASURES MICROFINANCE BANK" },
    { "code": "090146", "name": "TRIDENT MICROFINANCE BANK" },
    { "code": "050014", "name": "TRINITY FINANCE" },
    { "code": "090525", "name": "TRIPLEA MICROFINANCE BANK" },
    { "code": "050023", "name": "TRIVES FINANCE COMPANY LTD" },
    { "code": "090123", "name": "TRUSTBANC J6 MICROFINANCE BANK LIMITED" },
    { "code": "090005", "name": "TRUSTBOND MORTGAGE BANK" },
    { "code": "090276", "name": "TRUSTFUND MICROFINANCE BANK" },
    { "code": "090327", "name": "TRUST MICROFINANCE BANK" },
    { "code": "000040", "name": "UBA MONI" },
    { "code": "090706", "name": "UCEE MICROFINANCE BANK" },
    { "code": "090315", "name": "U \u0026 C MICROFINANCE BANK" },
    { "code": "090403", "name": "UDA MICROFINANCE BANK" },
    { "code": "090517", "name": "UHURU MICROFINANCE BANK" },
    { "code": "090609", "name": "UMMAH MICROFINANCE BANK" },
    { "code": "090514", "name": "UMUCHINEMERE PROCREDIT MICROFINANCE BANK" },
    { "code": "090652", "name": "UMUCHUKWU MICROFINANCE BANK" },
    { "code": "090331", "name": "UNAAB MICROFINANCE BANK" },
    { "code": "090266", "name": "UNIBEN MICROFINANCE BANK" },
    { "code": "090193", "name": "UNICAL MICROFINANCE BANK" },
    { "code": "090637", "name": "UNIFUND MICROFINANCE BANK LIMITED" },
    { "code": "090341", "name": "UNILORIN MICROFINANCE BANK" },
    { "code": "000018", "name": "UNION BANK" },
    { "code": "000004", "name": "UNITED BANK FOR AFRICA" },
    { "code": "288002", "name": "UNITED BANK FOR AFRICA (GHANA) LIMITED" },
    { "code": "324002", "name": "UNITED BANK FOR AFRICA GUINEA SA" },
    { "code": "430002", "name": "UNITED BANK FOR AFRICA LIBERIA LTD" },
    { "code": "694002", "name": "UNITED BANK FOR AFRICA (SL) LIMITED" },
    { "code": "000011", "name": "UNITY BANK" },
    { "code": "090338", "name": "UNIUYO MFB" },
    { "code": "288029", "name": "UNIVERSAL MERCHANT BANK" },
    {
      "code": "090251",
      "name": "UNIVERSITY OF NIGERIA, NSUKKA MICROFINANCE BANK"
    },
    { "code": "090719", "name": "UNUBI MFB" },
    { "code": "090619", "name": "URE MICROFINANCE BANK" },
    { "code": "090453", "name": "UZONDU MICROFINANCE BANK" },
    { "code": "050020", "name": "VALE FINANCE LIMITED" },
    { "code": "110009", "name": "VENTURE GARDEN NIGERIA LIMITED" },
    { "code": "090474", "name": "VERDANT MICROFINANCE BANK" },
    { "code": "090110", "name": "VFD MFB" },
    { "code": "090150", "name": "VIRTUE MICROFINANCE BANK" },
    { "code": "090139", "name": "VISA MICROFINANCE BANK" },
    { "code": "100012", "name": "VT NETWORKS" },
    { "code": "090590", "name": "WAYA MICROFINANCE BANK" },
    { "code": "000017", "name": "WEMA BANK" },
    { "code": "090699", "name": "WESLEY MICROFINANCE BANK" },
    { "code": "090741", "name": "WESTON-CHARIS MFB" },
    { "code": "090120", "name": "WETLAND  MICROFINANCE BANK" },
    { "code": "090631", "name": "WRA MFB" },
    { "code": "100040", "name": "XPRESS WALLET" },
    { "code": "090124", "name": "XSLNCE MICROFINANCE BANK" },
    { "code": "090466", "name": "YCT MICROFINANCE BANK" },
    { "code": "090142", "name": "YES MICROFINANCE BANK" },
    { "code": "090252", "name": "YOBE MICROFINANCE  BANK" },
    { "code": "050019", "name": "ZEDVANCE FINANCE LIMITED" },
    { "code": "090747", "name": "ZEFA MFB" },
    { "code": "000015", "name": "ZENITH BANK" },
    { "code": "288034", "name": "ZENITH BANK GHANA LIMITED" },
    { "code": "100034", "name": "ZENITH EASY WALLET" },
    { "code": "100018", "name": "ZENITH MOBILE" },
    { "code": "090504", "name": "ZIKORA MICROFINANCE BANK" },
    { "code": "090718", "name": "ZITRA MFB" }
  ]
}

Customer Transfer to Bank Account

Customer Bank Transfer

Endpoint: POST /v1/transfers/bank/customer

Description:
This endpoint allows a customer to initiate a transfer to a bank account. The customer can provide an optional reference. If the reference is not provided, a unique reference will be generated.

Request Body:

amount (float): The amount to be transferred.
reference (string, optional): A unique reference for the transaction. If not provided, a new reference will be generated.
sortCode (string): The sort code of the recipient's bank.
narration (string): A brief description or message about the transfer.
accountNumber (string): The bank account number of the recipient.
accountName (string): The name of the account holder.
customerId (string): The ID of the customer initiating the transfer.
metadata (object, optional): Additional information regarding the transfer (e.g., custom key-value pairs).
- key (string): A key for storing additional information.
- value (string): The value associated with the key.

Response:

On success, returns a confirmation of the transfer with the transaction details and the reference.
If the reference is provided and a transaction already exists with that reference, an error will be returned.

Error Handling:

If the provided reference already exists, a 409 Conflict error will be returned.
If any required parameter is missing or invalid, a 400 Bad Request error will be returned.

Notes:

Ensure that the X-API-Key header is included for authentication: X-API-Key: API_KEY

Method: POST

{{BASE_URL}}/transfers/bank/customer

Headers

Content-Type	Value
X-API-Key	`X-API-Key`

Body (raw)

json

{
  "amount": 50,
  // "reference": "38bDlOwxUmrDv3yzP46mZyiEaZWpYVcxMHLd",
  "sort_code": "000013",
  "narration": "Customer transfer",
  "account_number": "0167421242",
  "account_name": "Emmanuel Obagunwa",
  "customer_id": "7dfa317d-f2ba-4e27-b928-2825bf82087e",
  "metadata": { "key": "value" }
}

Response: 201

Response example:

json

{
  "success": true,
  "message": "You have successfully make a transfer",
  "data": {
    "id": "40cd2b51-e26d-42a7-b347-f9d181df58e2",
    "reference": "TXN-1743150834-d528cb706bcd4a68",
    "currency": "NGN",
    "environment": "SANDBOX",
    "balance_after": 550,
    "balance_before": 600,
    "merchant_id": "6f5c63ce-f525-4442-be11-a401658396d7",
    "metadata": "eyJ2YXQiOiAwLjc1LCAiYW1vdW50IjogNTAsICJjaGFyZ2VzIjogMTAsICJiYW5rTmFtZSI6ICJHVEJBTksgUExDIiwgInNvcnRDb2RlIjogIjAwMDAxMyIsICJuYXJyYXRpb24iOiAiQ3VzdG9tZXIgdHJhbnNmZXIiLCAiYWNjb3VudE5hbWUiOiAiRW1tYW51ZWwgT2JhZ3Vud2EiLCAidG90YWxBbW91bnQiOiA2MC43NSwgImFjY291bnROdW1iZXIiOiAiMDE2NzQyMTI0MiIsICJ3YWxsZXRBY2NvdW50TmFtZSI6ICJTYW1zb24gRWRpZSIsICJhZGRpdGlvbmFsTWV0YWRhdGEiOiB7ImtleSI6ICJ2YWx1ZSJ9fQ==",
    "amount": 50,
    "status": "success",
    "destination": "0167421242/000013",
    "description": "Transfer of NGN50.00 to Emmanuel Obagunwa (0167421242/GTBANK PLC)/100040250328083356422632670862",
    "type": "DEBIT",
    "category": "BANK_TRANSFER"
  }
}

Get Bank Account Details

Method: POST

{{BASE_URL}}/transfers/account

Headers

Content-Type	Value
X-API-Key	`X-API-Key`

Body (raw)

json

{
  "account_number": "0218827273",
  "bank_code": "000013"
}

🔑 Authentication noauth

Param	value	Type

Response: 200

Response example:

json

{
  "success": true,
  "message": "Successfully fetch account detail",
  "data": {
    "bankCode": "000013",
    "accountName": "USMAN  JIBRIL MOHAMMED",
    "accountNumber": "1234567890"
  }
}

Response: 500

Response example:

json

{
  "success": false,
  "message": "Unable to resolve account information."
}

Bank Transfer ​

Merchant Transfer to bank account ​

Method: POST ​

Headers ​

Headers ​

Body (raw) ​

Response: 201 ​

Bank List ​

Method: GET ​

Headers ​

Response: 200 ​

Customer Transfer to Bank Account ​

Method: POST ​

Headers ​

Body (raw) ​

Response: 201 ​

Get Bank Account Details ​

Method: POST ​

Headers ​

Body (raw) ​

🔑 Authentication noauth ​

Response: 200 ​

Response: 500 ​

Bank Transfer

Merchant Transfer to bank account

Method: POST

Headers

Headers

Body (raw)

Response: 201

Bank List

Method: GET

Headers

Response: 200

Customer Transfer to Bank Account

Method: POST

Headers

Body (raw)

Response: 201

Get Bank Account Details

Method: POST

Headers

Body (raw)

🔑 Authentication noauth

Response: 200

Response: 500