Transfer

Initiate a secure transfer of funds between bank accounts.

Create a new user

POST /v1/transfer

Headers

Name	Value
Content-Type	application/json
Authorization	Bearer <token>

Body

Name	Type	Description
beneficiaryBankCode	string	Receivers Bank code. Test BankCode: 010
beneficiaryAccountNumber	string	Receivers Account number. Test Account: 1001011000
narration	string	Transfer Description
amount	number	Amount to be sent. NOTE: decimal should not exceed 2 digits. i.e 230.00, 100.00
reference	string	Transaction reference (optional) Which will contain first word of your business name as a prefix I.E "Garo Pay" the reference should be GARO-rand123. Auto create if not provided.
senderName	string	Sender Name (Optional). This is what will be shown as sender after recieving transfer. If not set, business will be set as default

Response

200

{
    "success": true,
    "message": "Your transfer has been processed, Test Bank will receive your transfer in less than 5 minutes",
    "data": {
        "netAmount": 110,
        "details": {},
        "destinationAccountNumber": "0123456789",
        "sourceAccountName": "Garo Enterprise",
        "sourceAccountNumber": "0001479098",
        "sourceBankCode": "000023",
        "sourceBankName": "BellMonie",
        "amount": 100,
        "charge": 10,
        "completedAt": 1717094000705,
        "sessionId": "999999231115104838645541436147",
        "type": "debit",
        "description": "Transfer to Test Account",
        "transactionTypeName": "bank_transfer",
        "status": "pending",
        "reference": "123XY3Z900000000",
        "destinationAccountName": "Test Account",
        "destinationBankCode": "100004",
        "destinationBankName": "Test Bank"
    },
    "beneficiary": {}
}

400

{
  "success": false,
  "message": "Request Unsuccessful",
  "data": null
}