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SEPA Instant Credit Transfers

Create a SEPA Instant Credit Transfer

Creates a SEPA Instant Credit Transfer on the account specified in the request URL and triggers the 2FA flow via change request. You must add the transaction details in the request body.

post/v1/accounts/{account_id}/transactions/sepa_instant_credit_transfers

Path parameters

account_idstring required

The ID of the customer's account from which the SCT Instant will be transferred.

Request body

creditor_ibanstring required

The IBAN of the creditor account (i.e., the account holder receiving the money). The IBAN must be reachable via SCT Instant!

creditor_namestring required

The name of the creditor (i.e., account holder).

descriptionstring

A description for the transaction given by the customer.

end_to_end_idstring

Your unique end-to-end ID for the transaction.

initiator_referencestring

Your unique reference for the transaction.

idempotency_keystring uuid

Your unique value generated for the transaction, which Solaris uses to recognize subsequent retries of the same request.

verification_of_payee_idstring

The ID of a Verification of Payee that must be completed before making this transaction request. This verification confirms the recipient's identity and bank details. Will be mandatory starting on 09.10.2025

Example request

{
  "amount": {
    "value": 3000,
    "currency": "EUR"
  },
  "creditor_iban": "DE02500105170137075030",
  "creditor_name": "Lisa Herrmann",
  "description": "Geschenk",
  "end_to_end_id": "e2178fc8b9ad4a479e269a47f90b4a43",
  "initiator_reference": "2603037c-e264-46c4-82e8-0d3ebc23a30f",
  "idempotency_key": "7352a11b-011d-47a4-a449-17371078e98c",
  "verification_of_payee_id": "f874b3102718a4d757a6b6e4d5996078veop"
}

Response

The transaction was created

idstring

ID of the change request.

status'AUTHORIZATION_REQUIRED' | 'CONFIRMATION_REQUIRED' | 'ACCEPTED' | 'COMPLETED' | 'FAILED'

Current status of the change request.

updated_atstring date-time

Updation date and time of change request.

response_codeinteger

Example response

{
  "id": "d6c778822b2d7bd3b778935bcfd02d1d3csc",
  "status": "COMPLETED",
  "updated_at": "2025-11-12T08:30:00Z",
  "response_body": {
    "id": "e8308bd66d3472a987d262d05fb5098siot"
  },
  "response_code": 200
}