--- title: "Create a transfer" method: POST path: "/transfers" tags: ["Transfers"] --- # Create a transfer `POST /transfers` Creates an outbound transfer from one of your accounts, in the `live` or `test` mode of the API key used. Requirements differ by country. In Chile, the currency is `CLP` and the counterparty needs a `holder_id`, which is the Chilean tax ID (RUT), and an `institution_id`. In Mexico, the currency is `MXN` and the counterparty's `account_number` is a standardized Mexican bank account number (CLABE). Requires a JSON Web Signature (JWS) in the `Fintoc-JWS-Signature` header. ## Headers - `Fintoc-JWS-Signature` string, required ## Request body - object - `account_id` string, required — Identifier of the account the transfer is sent from. - `amount` integer, required — Amount to transfer, in the smallest currency unit. For MXN this is centavos; CLP has no minor unit. The minimum is `1`. - `currency` 'CLP' | 'MXN', required — Currency of the transfer. One of `CLP`, `MXN`. - `counterparty` object, required — Recipient of the transfer. - `account_number` string, required — Counterparty account number. In Mexico, the 18-digit CLABE; in Chile, the bank account number. - `holder_id` string — Tax ID of the counterparty. Required in Chile, where it is the RUT. - `holder_name` string — Name of the counterparty. - `institution_id` string — Identifier of the counterparty bank. Required in Chile. In Mexico, required when the `account_number` is a debit card or phone number, since only a CLABE encodes the bank. - `account_type` string — Type of the counterparty account, used in Chile. One of `checking_account`, `sight_account`, `savings_account`. - `email` string — Email of the counterparty. - `comment` string — Comment shown to the counterparty. - `reference_id` string — Numeric reference shown in the counterparty statement in Mexico. Up to 7 digits, with no leading zeros. - `metadata` object — Set of key-value pairs you can attach to the transfer for storing additional structured information. ## Response `201` The created transfer. - Transfer — A movement of money between one of your accounts and a counterparty. A transfer is `outbound` when you send money to a counterparty, or `inbound` when money arrives in one of your account numbers. Fintoc settles transfers over local payment rails in Chile and Mexico. - `id` string, required — Unique identifier of the transfer. - `object` 'transfer', required — Type of the object. Always `transfer`. - `account_number` AccountNumber, required - `id` string, required — Unique identifier of the account number. - `object` 'account_number', required — Type of the object. Always `account_number`. - `account_id` string, required — Identifier of the account this number belongs to. - `created_at` string, date-time, required — Time the account number was created, as an ISO 8601 datetime in UTC. - `deleted_at` string, nullable, required — Time the account number was deleted, as an ISO 8601 datetime in UTC, or `null` when not deleted. - `description` string, nullable, required — Free-text description of the account number, or `null` when none is set. - `is_root` boolean, required — Whether this account number is the account's default. - `last_transfer_at` string, nullable, required — Time of the last transfer received, as an ISO 8601 datetime in UTC, or `null` when no transfer has been received. - `metadata` object, required — Set of key-value pairs attached to the account number. - `mode` 'live' | 'test', required — Whether the account number holds `live` or `test` data. - `number` string, required — Account number that receives inbound transfers. In Mexico, the 18-digit standardized Mexican bank account number (CLABE); in Chile, the bank account number. - `options` object, required — Inbound transfer constraints for this account number. - `min_amount` integer, nullable, required — Minimum inbound amount, in the smallest currency unit. - `max_amount` integer, nullable, required — Maximum inbound amount, in the smallest currency unit. - `status` 'enabled' | 'disabled' | 'blocked' | 'deleted', required — Current state of the account number. One of `enabled` (can receive inbound transfers), `disabled` (you turned off inbound transfers), `blocked` (Fintoc blocked inbound transfers), or `deleted` (removed; see `deleted_at`). - `updated_at` string, date-time, required — Time the account number was last updated, as an ISO 8601 datetime in UTC. - `amount` integer, required — Amount of the transfer, in the smallest currency unit. For MXN this is centavos; CLP has no minor unit. - `comment` string, nullable, required — Comment shown to the counterparty, or `null`. - `counterparty` object, required — Details of the counterparty of the transfer. - `account_number` string, nullable, required — Counterparty account number, or `null`. In Mexico, the 18-digit standardized bank account number (CLABE); in Chile, the bank account number. - `account_type` string, nullable, required — Type of the counterparty account, in lowercase, or `null`. - `email` string, nullable, required — Counterparty email, or `null`. - `holder_id` string, nullable, required — Tax identifier of the counterparty, or `null`. The Chilean tax ID (RUT) in Chile, or the Mexican tax ID (RFC) in Mexico. - `holder_name` string, nullable, required — Name of the counterparty account holder, or `null`. - `institution` object, required — Counterparty financial institution. - `id` string, nullable, required — Institution identifier. - `name` string, nullable, required — Institution name. - `country` 'cl' | 'mx', required — ISO 3166-1 alpha-2 country code of the institution, in lowercase. One of `cl`, `mx`. - `currency` 'CLP' | 'MXN', required — Currency of the transfer. One of `CLP`, `MXN`. - `direction` 'inbound' | 'outbound', required — Whether the transfer is `inbound` or `outbound`. - `entity` object, required — Entity that owns the account involved in the transfer. For an `inbound` transfer this is the entity that received the money; for an `outbound` transfer, the entity that sent it. - `id` string, required — Identifier of the entity. - `holder_id` string, required — Tax identifier of the owner. A Chilean tax ID (RUT) or a Mexican tax ID (RFC). - `holder_name` string, required — Legal name of the owner. - `is_root` boolean, required — Whether this entity is the root entity. - `metadata` object, required — Set of key-value pairs attached to the transfer. - `mode` 'live' | 'test', required — Whether the transfer is `live` or `test` data. - `post_date` string, date-time, nullable, required — Time the transfer was posted, as an ISO 8601 datetime in UTC, or `null`. - `receipt_url` string, nullable, required — URL of the transfer receipt, or `null`. - `reference_id` string, nullable, required — Numeric reference shown in the counterparty statement in Mexico, or `null`. - `return_reason` string, nullable, required — Reason code when the transfer was returned, or `null`. - `status` 'succeeded' | 'rejected' | 'failed' | 'pending' | 'returned' | 'return_pending' | 'reject_failed', required — Lifecycle status of the transfer. One of `pending` (being processed), `succeeded` (settled), `rejected` (rejected before settling), `failed` (could not be processed), `returned` (settled, then returned to the sender), `return_pending` (a return is in progress), or `reject_failed` (the rejection could not be completed). - `tracking_key` string, nullable, required — Interbank tracking key (clave de rastreo) of the transfer, or `null`. - `transaction_date` string, date-time, nullable, required — Time the transfer occurred, as an ISO 8601 datetime in UTC, or `null`. ## Other responses - `400` — Invalid request: a body parameter is missing or invalid. - `401` — Invalid or missing API key. - `409` — Your account has insufficient balance. --- [API](https://skmtc.net/fintoc/apis/fintoc-api.md) · [All operations](https://skmtc.net/fintoc/apis/fintoc-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/fintoc/fintoc-api/revisions/9dafa63688a3/schema)