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v3

latestOpenAPI 3.0.0raw.githubusercontent.com2026-06-10283986.5 KB
Transfers

Initiate bank transfer

Initiate a transfer to a bank account. Creates a transaction record in your dashboard.

post/api/v1/bila/transfers/bank-account

Request body

accountIdstring uuid required

Source account UUID

amountnumber required

Transfer amount

referencestring required

Unique client reference (alphanumeric, dots, underscores, hyphens)

narrationstring

Transfer narration

transferRecipientIdstring uuid

Transfer recipient UUID (use this OR accountNumber+bankId)

accountNumberstring

Bank account number (required if no transferRecipientId)

bankIdstring

Bank ID (required if no transferRecipientId)

country'zm'

Country code

walletIdstring

Source wallet ID to debit (optional, uses main wallet if not specified)

recipientNamestring

Recipient name for the transaction record

Example request

{
  "accountId": "68f11209-451f-4a15-bfcd-d916eb8b09f4",
  "amount": 1000,
  "reference": "transfer-001",
  "narration": "Payment for services",
  "transferRecipientId": "68f11209-451f-4a15-bfcd-d916eb8b09f4",
  "accountNumber": "1234567890",
  "bankId": "bank-001",
  "country": "zm",
  "walletId": "68f11209-451f-4a15-bfcd-d916eb8b09f4",
  "recipientName": "Jane Doe"
}

Response

Transfer initiated successfully

statusboolean required

Request success status

messagestring required

Response message

Example response

{
  "status": true,
  "message": "Operation completed successfully",
  "data": {
    "id": "txn-001",
    "reference": "payout-12345",
    "type": "bank-account",
    "status": "successful",
    "amount": 1000,
    "currency": "ZMW",
    "narration": "Salary payment",
    "recipient": {
      "accountNumber": "1234567890",
      "accountName": "JOHN DOE",
      "bankName": "Zambia National Commercial Bank",
      "phone": "0977123456",
      "operator": "airtel"
    },
    "createdAt": "2024-01-15T10:30:00Z",
    "completedAt": "2024-01-15T10:31:00Z"
  }
}