---
title: "Create a transfer instrument"
method: POST
path: "/transferInstruments"
tags: ["Transfer instruments"]
---

# Create a transfer instrument

`POST /transferInstruments`

Creates a transfer instrument. 

A transfer instrument is a bank account that a legal entity owns. Adyen performs verification checks on the transfer instrument as required by payment industry regulations. We inform you of the verification results through webhooks or API responses.

When the transfer instrument passes the verification checks, you can start sending funds from the balance platform to the transfer instrument (such as payouts).

Requests to this endpoint are subject to rate limits:

- Live environments: 700 requests per 5 seconds.

- Test environments: 200 requests per 5 seconds.

- Failed requests are subject to a limit of 5 failures per 10 seconds.

## Headers

- `x-requested-verification-code` string

## Request body

- TransferInstrumentInfo
  - `bankAccount` BankAccountInfo, required
    - `accountIdentification` union — Identification of the bank account.
      - object
        - `accountNumber` string, required — The bank account number, without separators or whitespace.
        - `bsbCode` string, required — The 6-digit [Bank State Branch (BSB) code](https://en.wikipedia.org/wiki/Bank_state_branch), without separators or whitespace.
        - `type` 'auLocal', required — **auLocal**
      - object
        - `accountNumber` string, required — The 5- to 12-digit bank account number, without separators or whitespace.
        - `accountType` 'checking' | 'savings' — The bank account type. Possible values: **checking** or **savings**. Defaults to **checking**.
        - `institutionNumber` string, required — The 3-digit institution number, without separators or whitespace.
        - `transitNumber` string, required — The 5-digit transit number, without separators or whitespace.
        - `type` 'caLocal', required — **caLocal**
      - object
        - `accountNumber` string, required — The 2- to 16-digit bank account number (Číslo účtu) in the following format: - The optional prefix (předčíslí). - The required second part (základní část) which must be at least two non-zero digits. Examples: - **19-123457** (with prefix) - **123457** (without prefix) - **000019-0000123457** (with prefix, normalized) - **000000-0000123457** (without prefix, normalized)
        - `bankCode` string, required — The 4-digit bank code (Kód banky), without separators or whitespace.
        - `type` 'czLocal', required — **czLocal**
      - object
        - `accountNumber` string, required — The 4-10 digits bank account number (Kontonummer) (without separators or whitespace).
        - `bankCode` string, required — The 4-digit bank code (Registreringsnummer) (without separators or whitespace).
        - `type` 'dkLocal', required — **dkLocal**
      - object
        - `accountNumber` string, required — The 9- to 17-digit bank account number, without separators or whitespace. Starts with the 3-digit branch code.
        - `clearingCode` string, required — The 3-digit clearing code, without separators or whitespace.
        - `type` 'hkLocal', required — **hkLocal**
      - object
        - `accountNumber` string, required — The 24-digit bank account number, without separators or whitespace.
        - `type` 'huLocal', required — **huLocal**
      - object
        - `bic` string — The bank's 8- or 11-character BIC or SWIFT code.
        - `iban` string, required — The international bank account number as defined in the [ISO-13616](https://www.iso.org/standard/81090.html) standard.
        - `type` 'iban', required — **iban**
      - object
        - `accountNumber` string, required — The 11-digit bank account number, without separators or whitespace.
        - `type` 'noLocal', required — **noLocal**
      - object
        - `accountNumber` string, required — The 15-16 digit bank account number. The first 2 digits are the bank number, the next 4 digits are the branch number, the next 7 digits are the account number, and the final 2-3 digits are the suffix.
        - `type` 'nzLocal', required — **nzLocal**
      - object
        - `accountNumber` string, required — The bank account number, without separators or whitespace. The length and format depends on the bank or country.
        - `additionalBankIdentification` AdditionalBankIdentification
          - `code` string — The value of the additional bank identification.
          - `type` 'auBsbCode' | 'caRoutingNumber' | 'gbSortCode' | 'usRoutingNumber' — The type of additional bank identification, depending on the country. Possible values: * **auBsbCode**: The 6-digit [Australian Bank State Branch (BSB) code](https://en.wikipedia.org/wiki/Bank_state_branch), without separators or spaces. * **caRoutingNumber**: The 9-digit [Canadian routing number](https://en.wikipedia.org/wiki/Routing_number_(Canada)), in EFT format, without separators or spaces. * **gbSortCode**: The 6-digit [UK sort code](https://en.wikipedia.org/wiki/Sort_code), without separators or spaces * **usRoutingNumber**: The 9-digit [routing number](https://en.wikipedia.org/wiki/ABA_routing_transit_number), without separators or spaces.
        - `bic` string, required — The bank's 8- or 11-character BIC or SWIFT code.
        - `type` 'numberAndBic', required — **numberAndBic**
      - object
        - `accountNumber` string, required — The 26-digit bank account number ([Numer rachunku](https://pl.wikipedia.org/wiki/Numer_Rachunku_Bankowego)), without separators or whitespace.
        - `type` 'plLocal', required — **plLocal**
      - object
        - `accountNumber` string, required — The 7- to 10-digit bank account number ([Bankkontonummer](https://sv.wikipedia.org/wiki/Bankkonto)), without the clearing number, separators, or whitespace.
        - `clearingNumber` string, required — The 4- to 5-digit clearing number ([Clearingnummer](https://sv.wikipedia.org/wiki/Clearingnummer)), without separators or whitespace.
        - `type` 'seLocal', required — **seLocal**
      - object
        - `accountNumber` string, required — The 4- to 19-digit bank account number, without separators or whitespace.
        - `bic` string, required — The bank's 8- or 11-character BIC or SWIFT code.
        - `type` 'sgLocal' — **sgLocal**
      - object
        - `accountNumber` string, required — The 8-digit bank account number, without separators or whitespace.
        - `sortCode` string, required — The 6-digit [sort code](https://en.wikipedia.org/wiki/Sort_code), without separators or whitespace.
        - `type` 'ukLocal', required — **ukLocal**
      - object
        - `accountNumber` string, required — The bank account number, without separators or whitespace.
        - `accountType` 'checking' | 'savings' — The bank account type. Possible values: **checking** or **savings**. Defaults to **checking**.
        - `routingNumber` string, required — The 9-digit [routing number](https://en.wikipedia.org/wiki/ABA_routing_transit_number), without separators or whitespace.
        - `type` 'usLocal', required — **usLocal**
    - `accountType` string — The type of bank account.
    - `bankName` string — The name of the banking institution where the bank account is held.
    - `countryCode` string — The two-character [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) country code where the bank account is registered. For example, **NL**.
    - `trustedSource` boolean — Identifies if the bank account was created through [instant bank verification](https://docs.adyen.com/release-notes/platforms-and-financial-products#releaseNote=2023-05-08-hosted-onboarding).
  - `legalEntityId` string, required — The unique identifier of the [legal entity](https://docs.adyen.com/api-explorer/legalentity/latest/post/legalEntities#responses-200-id) that owns the transfer instrument.
  - `type` 'bankAccount' | 'recurringDetail', required — The type of transfer instrument. Possible value: **bankAccount**.

## Response `200`

OK - the request has succeeded.

- TransferInstrument
  - `bankAccount` BankAccountInfo, required
    - `accountIdentification` union — Identification of the bank account.
      - object
        - `accountNumber` string, required — The bank account number, without separators or whitespace.
        - `bsbCode` string, required — The 6-digit [Bank State Branch (BSB) code](https://en.wikipedia.org/wiki/Bank_state_branch), without separators or whitespace.
        - `type` 'auLocal', required — **auLocal**
      - object
        - `accountNumber` string, required — The 5- to 12-digit bank account number, without separators or whitespace.
        - `accountType` 'checking' | 'savings' — The bank account type. Possible values: **checking** or **savings**. Defaults to **checking**.
        - `institutionNumber` string, required — The 3-digit institution number, without separators or whitespace.
        - `transitNumber` string, required — The 5-digit transit number, without separators or whitespace.
        - `type` 'caLocal', required — **caLocal**
      - object
        - `accountNumber` string, required — The 2- to 16-digit bank account number (Číslo účtu) in the following format: - The optional prefix (předčíslí). - The required second part (základní část) which must be at least two non-zero digits. Examples: - **19-123457** (with prefix) - **123457** (without prefix) - **000019-0000123457** (with prefix, normalized) - **000000-0000123457** (without prefix, normalized)
        - `bankCode` string, required — The 4-digit bank code (Kód banky), without separators or whitespace.
        - `type` 'czLocal', required — **czLocal**
      - object
        - `accountNumber` string, required — The 4-10 digits bank account number (Kontonummer) (without separators or whitespace).
        - `bankCode` string, required — The 4-digit bank code (Registreringsnummer) (without separators or whitespace).
        - `type` 'dkLocal', required — **dkLocal**
      - object
        - `accountNumber` string, required — The 9- to 17-digit bank account number, without separators or whitespace. Starts with the 3-digit branch code.
        - `clearingCode` string, required — The 3-digit clearing code, without separators or whitespace.
        - `type` 'hkLocal', required — **hkLocal**
      - object
        - `accountNumber` string, required — The 24-digit bank account number, without separators or whitespace.
        - `type` 'huLocal', required — **huLocal**
      - object
        - `bic` string — The bank's 8- or 11-character BIC or SWIFT code.
        - `iban` string, required — The international bank account number as defined in the [ISO-13616](https://www.iso.org/standard/81090.html) standard.
        - `type` 'iban', required — **iban**
      - object
        - `accountNumber` string, required — The 11-digit bank account number, without separators or whitespace.
        - `type` 'noLocal', required — **noLocal**
      - object
        - `accountNumber` string, required — The 15-16 digit bank account number. The first 2 digits are the bank number, the next 4 digits are the branch number, the next 7 digits are the account number, and the final 2-3 digits are the suffix.
        - `type` 'nzLocal', required — **nzLocal**
      - object
        - `accountNumber` string, required — The bank account number, without separators or whitespace. The length and format depends on the bank or country.
        - `additionalBankIdentification` AdditionalBankIdentification
          - `code` string — The value of the additional bank identification.
          - `type` 'auBsbCode' | 'caRoutingNumber' | 'gbSortCode' | 'usRoutingNumber' — The type of additional bank identification, depending on the country. Possible values: * **auBsbCode**: The 6-digit [Australian Bank State Branch (BSB) code](https://en.wikipedia.org/wiki/Bank_state_branch), without separators or spaces. * **caRoutingNumber**: The 9-digit [Canadian routing number](https://en.wikipedia.org/wiki/Routing_number_(Canada)), in EFT format, without separators or spaces. * **gbSortCode**: The 6-digit [UK sort code](https://en.wikipedia.org/wiki/Sort_code), without separators or spaces * **usRoutingNumber**: The 9-digit [routing number](https://en.wikipedia.org/wiki/ABA_routing_transit_number), without separators or spaces.
        - `bic` string, required — The bank's 8- or 11-character BIC or SWIFT code.
        - `type` 'numberAndBic', required — **numberAndBic**
      - object
        - `accountNumber` string, required — The 26-digit bank account number ([Numer rachunku](https://pl.wikipedia.org/wiki/Numer_Rachunku_Bankowego)), without separators or whitespace.
        - `type` 'plLocal', required — **plLocal**
      - object
        - `accountNumber` string, required — The 7- to 10-digit bank account number ([Bankkontonummer](https://sv.wikipedia.org/wiki/Bankkonto)), without the clearing number, separators, or whitespace.
        - `clearingNumber` string, required — The 4- to 5-digit clearing number ([Clearingnummer](https://sv.wikipedia.org/wiki/Clearingnummer)), without separators or whitespace.
        - `type` 'seLocal', required — **seLocal**
      - object
        - `accountNumber` string, required — The 4- to 19-digit bank account number, without separators or whitespace.
        - `bic` string, required — The bank's 8- or 11-character BIC or SWIFT code.
        - `type` 'sgLocal' — **sgLocal**
      - object
        - `accountNumber` string, required — The 8-digit bank account number, without separators or whitespace.
        - `sortCode` string, required — The 6-digit [sort code](https://en.wikipedia.org/wiki/Sort_code), without separators or whitespace.
        - `type` 'ukLocal', required — **ukLocal**
      - object
        - `accountNumber` string, required — The bank account number, without separators or whitespace.
        - `accountType` 'checking' | 'savings' — The bank account type. Possible values: **checking** or **savings**. Defaults to **checking**.
        - `routingNumber` string, required — The 9-digit [routing number](https://en.wikipedia.org/wiki/ABA_routing_transit_number), without separators or whitespace.
        - `type` 'usLocal', required — **usLocal**
    - `accountType` string — The type of bank account.
    - `bankName` string — The name of the banking institution where the bank account is held.
    - `countryCode` string — The two-character [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) country code where the bank account is registered. For example, **NL**.
    - `trustedSource` boolean — Identifies if the bank account was created through [instant bank verification](https://docs.adyen.com/release-notes/platforms-and-financial-products#releaseNote=2023-05-08-hosted-onboarding).
  - `capabilities` object — List of capabilities for this transfer instrument.
  - `documentDetails` DocumentReference[] — List of documents uploaded for the transfer instrument.
    - `active` boolean — Identifies whether the document is active and used for checks.
    - `description` string — Your description for the document.
    - `fileName` string — Document name.
    - `id` string — The unique identifier of the resource.
    - `modificationDate` string, date-time — The modification date of the document.
    - `pages` DocumentPage[] — List of document pages
      - `pageName` string
      - `pageNumber` integer
      - `type` 'BACK' | 'FRONT' | 'UNDEFINED'
    - `type` string — Type of document, used when providing an ID number or uploading a document.
  - `id` string, required — The unique identifier of the transfer instrument.
  - `legalEntityId` string, required — The unique identifier of the [legal entity](https://docs.adyen.com/api-explorer/legalentity/latest/post/legalEntities#responses-200-id) that owns the transfer instrument.
  - `problems` CapabilityProblem[] — The verification errors related to capabilities for this transfer instrument.
    - `entity` CapabilityProblemEntity
      - `documents` string[] — List of document IDs corresponding to the verification errors from capabilities.
      - `id` string
      - `owner` CapabilityProblemEntityRecursive
        - `documents` string[] — List of document IDs corresponding to the verification errors from capabilities.
        - `id` string
        - `type` 'BankAccount' | 'Document' | 'LegalEntity' | 'product'
      - `type` 'BankAccount' | 'Document' | 'LegalEntity' | 'product'
    - `verificationErrors` VerificationError[]
      - `capabilities` string[] — Contains key-value pairs that specify the actions that the legal entity can do in your platform. The key is a capability required for your integration. For example, **issueCard** for Issuing.The value is an object containing the settings for the capability.
      - `code` string — The general error code.
      - `message` string — The general error message.
      - `remediatingActions` RemediatingAction[] — An object containing possible solutions to fix a verification error.
        - `code` string
        - `message` string
      - `subErrors` VerificationErrorRecursive[] — An array containing more granular information about the cause of the verification error.
        - `capabilities` string[] — Contains key-value pairs that specify the actions that the legal entity can do in your platform. The key is a capability required for your integration. For example, **issueCard** for Issuing.The value is an object containing the settings for the capability.
        - `code` string — The general error code.
        - `message` string — The general error message.
        - `type` 'dataMissing' | 'dataReview' | 'invalidInput' | 'pendingStatus' | 'rejected' — The type of error. Possible values: * **invalidInput** * **dataMissing** * **pendingStatus** * **rejected** * **dataReview**
        - `remediatingActions` RemediatingAction[] — An object containing possible solutions to fix a verification error.
          - `code` string
          - `message` string
      - `type` 'dataMissing' | 'dataReview' | 'invalidInput' | 'pendingStatus' | 'rejected' — The type of error. Possible values: * **invalidInput** * **dataMissing** * **pendingStatus** * **rejected** * **dataReview**
  - `type` 'bankAccount' | 'recurringDetail', required — The type of transfer instrument. Possible value: **bankAccount**.

## Other responses

- `400` — Bad Request - a problem reading or understanding the request.
- `401` — Unauthorized - authentication required.
- `403` — Forbidden - insufficient permissions to process the request.
- `422` — Unprocessable Entity - a request validation error.
- `500` — Internal Server Error - the server could not process the request.

---

[API](https://skmtc.net/adyen/apis/legal-entity-management-api.md) · [All operations](https://skmtc.net/adyen/apis/legal-entity-management-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/adyen/legal-entity-management-api/versions/2ae704e1705b/schema)