---
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
    - `accountNumber` string — The bank account number (without separators). When this is provided, the `branchCode` is also required.
    - `accountType` string — The type of bank account.
    - `bankBicSwift` string — The bank's BIC or SWIFT code.
    - `bankCity` string — The city where the bank is located.
    - `bankCode` string — The bank code of the banking institution with which the bank account is registered.
    - `bankName` string — The name of the banking institution where the bank account is held.
    - `branchCode` string — The branch code of the branch under which the bank account is registered. Required when you provide an `accountNumber`. In the following countries, this value corresponds to: * United States: routing number * United Kingdom: sort code * Germany: Bankleitzahl
    - `checkCode` string — The check code of the bank account.
    - `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**.
    - `currencyCode` string, required — The account's three-character [ISO currency code](https://docs.adyen.com/development-resources/currency-codes). For example, **EUR**.
    - `iban` string — The international bank account number as defined in the [ISO-13616](https://www.iso.org/standard/81090.html) standard.
    - `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
    - `accountNumber` string — The bank account number (without separators). When this is provided, the `branchCode` is also required.
    - `accountType` string — The type of bank account.
    - `bankBicSwift` string — The bank's BIC or SWIFT code.
    - `bankCity` string — The city where the bank is located.
    - `bankCode` string — The bank code of the banking institution with which the bank account is registered.
    - `bankName` string — The name of the banking institution where the bank account is held.
    - `branchCode` string — The branch code of the branch under which the bank account is registered. Required when you provide an `accountNumber`. In the following countries, this value corresponds to: * United States: routing number * United Kingdom: sort code * Germany: Bankleitzahl
    - `checkCode` string — The check code of the bank account.
    - `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**.
    - `currencyCode` string, required — The account's three-character [ISO currency code](https://docs.adyen.com/development-resources/currency-codes). For example, **EUR**.
    - `iban` string — The international bank account number as defined in the [ISO-13616](https://www.iso.org/standard/81090.html) standard.
    - `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).
  - `documents` EntityReference[] — List of documents uploaded for the transfer instrument.
    - `id` string — The unique identifier of the resource.
  - `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.
  - `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/legalentityservice.md) · [All operations](https://skmtc.net/adyen/apis/legalentityservice/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/adyen/legalentityservice/versions/d0097ab4e2e8/schema)