v2

latestOpenAPI 3.0.3raw.githubusercontent.com2025-01-245593419.2 KB

External Transfers

Create an external transfer with trusted beneficiary

OAuth scope: payment.write

Automated creation of a instant external transfer with no user interaction involved once the beneficiary is trusted.

This endpoint allows you to execute transfers for a given beneficiary. The beneficiary must be trusted for the transfer to be created. The beneficiary can only be trusted through the Qonto web-app (for more details, please refer to this article).

The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. The idempotency key must be a unique string. We recommend using a UUID.

Request parameter details

X-Qonto-Idempotency-Key header

This is a unique string (we advise to use a uuid) that identifies a transfer. This is used by Qonto to prevent "double spending" by accidentaly replaying the same API call.

Amount and Currency

The amount corresponds to the amount of the transaction in the currency of the bank account. Amounts must be https://www.w3.org/TR/payment-request/#dfn-valid-decimal-monetary-value
The currency should be EUR.

Reference

Transfer reference that can be used to enter transfer details to further describe the transfer
Maximum reference length is 99 characters

Debit iban

debit_iban: IBAN of account to debit

Attachments

You can link up to 5 attachments per transfer by passing the attachment_ids parameter. You can upload your attachments using our POST /v2/attachments endpoint. Note: For SEPA transfers above 30,000 EUR at least one attachment is required

post/v2/external_transfers

Headers

X-Qonto-Idempotency-Keystring required

This parameter is required. The API supports idempotency for safely retrying requests without accidentally performing the same operation twice. The idempotency key must be a unique string. We recommend using a UUID.

X-Qonto-Staging-Tokenstring

Required only for Sandbox API requests; to get one, please submit the following form: https://getqonto.atlassian.net/servicedesk/customer/portal/5/group/47/create/143.

Request body

Example request

{
  "external_transfer": {
    "scheduled_date": "2021-07-12"
  }
}

Response

returns an external transfer

Example response

{
  "external_transfer": {
    "debit_amount": "12.55",
    "debit_amount_cents": "1255",
    "debit_currency": "EUR",
    "payment_purpose": "goods",
    "declined_reason": "beneficiary_bic_invalid",
    "status": "pending",
    "scheduled_date": "2021-07-12",
    "created_at": "2021-01-27T22:05:07.000Z",
    "completed_at": "2021-01-27T22:05:07.000Z",
    "processed_at": "2021-01-27T22:05:07.000Z"
  }
}