---
title: "External Fund Transfer from a Payment Account to a Bank Account"
method: POST
path: "/v2/moneyouts"
tags: ["MoneyOuts"]
---

# External Fund Transfer from a Payment Account to a Bank Account

`POST /v2/moneyouts`

How does it work?
Select an IBAN if multiple IBAN exist for the wallet. Select an amount, not greater than the balance of the wallet. Call the moneout method, and the system performs the fund transfer to the IBAN if everything is clear, or returns an error message.
<ul><li>The payment account is debited immediately and the money is then received by the owner, in their bank account between 1 to 3 days after, depending on the interbanking system and on the banks (SEPA is faster).</li><li>You can ask us to configure your platform so that your comment is included in the bank transfer message so your customer will see it on the bank statement.</li><li><ul><li>The full message will be in the following format "XXXX-YYYY ZZZZ", where : </li><li>XXXX is the name of your environment</li><li>YYYY is the ID of the Money-Out operation as you see it in the Dashboard</li><li>ZZZZ is your comment.</li></ul></li><li>The full message cannot be longer than 35 characters (if longer, it will be cut), and only alphanumeric characters will be allowed(other characters will be replaced by spaces before it's sent to the bank).</li></ul>

## Headers

- `Authorization` string, required
- `PSU-Accept-Language` string
- `PSU-IP-Address` string, required
- `PSU-User-Agent` string

## Request body

- MoneyOutInput
  - `accountId` string, required — Payment Account ID to be debited
  - `ibanId` integer — IBAN ID If no IBAN is specified, the last verified(validated) IBAN will be used.
  - `totalAmount` integer, required — Total amount to debit from the Wallet The client will receive on his bank account[totalAmount] minus[commissionAmount]. Amounts are given as integer numbers in cents
  - `commissionAmount` integer — Your fee Amounts are given as integer numbers in cents
  - `comment` string — Payment Comment
  - `autoCommission` boolean — This should be set to No (0) for most sites If true: 1. [amountCom] will be ignored and will be replaced with Lemonway's fee. 2. You will not receive any fee.
  - `reference` string — Unique ID of the call, generated by your server. This ID can be used as a search field when looking for operation details

## Response `200`

OK

- MoneyOutOutput
  - `transaction` TransactionOut
    - `senderAccountId` string — Debited Account
    - `debitAmount` integer — Debited Amount Amounts are represented in cents (Euros)
    - `IbanId` integer — IBAN ID
    - `maskedLabel` string
    - `bankStatus` string
    - `PSP` PSP
      - `message` string — Get the Error Message from PSP
    - `originId` integer — Money-In - ID responsible for the chargeback
    - `buyNowPayLaterInfo` BnplInfo
      - `paymentPlanId` integer — Payment Plan ID
      - `type` string — Payment plan type.
      - `secondInstallmentPaymentDate` string — Second installment payment date. Format: yyyy-MM-dd
      - `deferredPaymentDate` string — Deferred payment date. Format: yyyy-MM-dd
    - `id` integer — Transaction ID
    - `method` integer — Payment Method 0 Card 1 Bank transfer (MoneyIn) 3 Bank transfer (MoneyOut) 4 P2P 13 iDEAL 14 SEPA DirectDebit 15 Cheque 19 Multibanco 21 MBWAY 30 BNPL 35 PayPal --- **Important:** The following services have been discontinued. 16 Neosurf 17 Sofort 18 PFS Physical Card 20 Payshop 22 Polish Instant Transfer 23 Pagare 24 MobilePay 25 Paytrail 26 WeChat 27 P24 28 MoneyIn by TPE 29 Trustly
    - `methodDetails` 0 | 1 — Payment Method Details 0 Standard 1 Pay By Bank<br/>0 = STANDARD.<br/>1 = PAY_BY_BANK.<br/>
    - `date` integer — Transaction initialization date, UTC Unix timestamp
    - `commissionAmount` integer — Your fee Amounts are given as integer numbers in cents
    - `comment` string — Comment
    - `status` integer — **For the following endpoints uses the below status code** /v2/accounts/{accountId}/transactions /v2/moneyins /v2/moneyins/card/direct /v2/moneyins/card/{cardid}/rebill /v2/moneyins/card/{cardid}/subscription /v2/moneyins/{transactionid}/validate /v2/moneyins/sdd/init /v2/moneyins/sdd /v2/moneyins/{transactionid}/cancel /v2/refund/{transactionid} /v2/refundcreate/{transactionId} 0: Success 3: Lemonway Error 4: Pending 6: PSP error 7: Cancelled 16: Validation pending **For the following endpoints uses the below status code** /v2/disputes /v2/moneyins/bankwire /v2/moneyins/card/direct/3dinit /v2/moneyouts /v2/p2p /v2/p2p/{transactionid?} 0: Waiting for finalization 3: Success 4: Lemonway Error
    - `executionDate` integer — Transaction execution date
    - `lemonWayCommission` LemonWayCommission
      - `idp2p` string
      - `amount` integer — Amounts are represented as integer in cents (Euro) Represented as an integer in cents (Euro)
    - `reference` string — Unique ID generated by your server
  - `error` Error
    - `code` integer
    - `message` string
    - `psp` PSP
      - `message` string — Get the Error Message from PSP

## Other responses

- `401` — Unauthorized
- `500` — InternalServerError

---

[API](https://skmtc.net/lemonway/apis/account-onboarding-management-api.md) · [All operations](https://skmtc.net/lemonway/apis/account-onboarding-management-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/lemonway/account-onboarding-management-api/revisions/73309fe68e2d/schema)