---
title: "Create a money out transaction"
method: POST
path: "/v1/transactions/money_out"
---

# Create a money out transaction

`POST /v1/transactions/money_out`

Initiate an outbound transfer. If the destination instrument belongs to a Finco Pay (Monato) account, the system automatically routes the transaction as an internal book-to-book transfer — no SPEI, near-real-time settlement. Routing is handled transparently; no changes to the request body are required.
This endpoint supports Idempotency via the `Idempotency-Key` header (TTL: 24h). Reuse the same key with the exact same body for safe retries. See the Idempotency guide for details.

## Headers

- `Idempotency-Key` string

## Request body

- MoneyOutRequest
  - `client_id` string, uuid
  - `source_instrument_id` string, uuid
  - `destination_instrument_id` string, uuid
  - `transaction_request` object
    - `external_reference` string
    - `description` string
    - `amount` string
    - `currency` string

## Response `200`

Successfully created transaction

- MoneyOutResponse
  - `id` string, uuid
  - `bankId` string, uuid
  - `clientId` string, uuid
  - `externalReference` string
  - `trackingId` string
  - `description` string
  - `amount` string
  - `currency` string
  - `category` string
  - `subCategory` string — Transaction sub-type based on the destination: - SPEI_DEBIT – external transfer to a non-Finco Pay bank account. - INT_DEBIT – internal transfer routed to a Finco Pay account.
  - `transactionStatus` string
  - `audit` object
    - `createdAt` string, date-time
    - `updatedAt` string, date-time
    - `deletedAt` string, nullable
    - `blockedAt` string, nullable

---

[API](https://skmtc.net/monato/apis/fincore-api.md) · [All operations](https://skmtc.net/monato/apis/fincore-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/monato/fincore-api/revisions/a8263ed74545/schema)