---
title: "Create a Transfer"
method: POST
path: "/transfers"
tags: ["Transfer"]
---

# Create a Transfer

`POST /transfers`

Create a new transfer.

## Request body

- TransferWrite
  - `origination_account_id` string, required
  - `destination_account_id` string, required
  - `description` string
  - `amount` integer, required — Transfer amount as an integer amount in cents "$10.00" is `1000`. Only currency in USD is supported.
  - `ach` object — ACH object is only required if the origination or destination account is an External account
    - `class_code` 'CCD' | 'PPD' | 'WEB', required — ACH Standard Entry Class (SEC) code. Supported SEC codes are: CCD - Cash Concentration or Disbursement, PPD - Prearranged Payment and Deposit, WEB - Internet-Initiated Entry. Conditionally required for ACH transfers.
    - `same_day` boolean, required — ACH transfer network, false = standard true = same-day-ach.

## Response `200`

OK

- Transfer
  - `transfer_id` string
  - `transaction_id` string
  - `created_time` string, required — System defined based on the date this transfer was created
  - `updated_time` string, required — System defined based on any updates that were made to this transfer
  - `settled_time` string, required — System defined based on the date this transfer settles.
  - `origination_account_id` string, required — account_id for the origination Account
  - `destination_account_id` string, required — account_id for the destination Account
  - `description` string — Description for what the transfer is about, for ACH this is the memo field.
  - `amount` integer, required — Amount in cents
  - `status` 'submitted'
  - `ach` object, required
    - `ach_class_code` 'CCD' | 'PPD' | 'WEB', required — ACH Standard Entry Class (SEC) code
    - `same_day` boolean, required

## Other responses

- `404` — Account not found
- `422` — Unable to process transfer. Account is inactive, has transfers disabled, insufficient funds, or otherwise exceeds limit.

---

[API](https://skmtc.net/bond/apis/customer.md) · [All operations](https://skmtc.net/bond/apis/customer/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/bond/customer/revisions/62f5ac53144d/schema)