---
title: "Create a SEPA Instant Credit Transfer"
method: POST
path: "/v1/accounts/{account_id}/transactions/sepa_instant_credit_transfers"
tags: ["SEPA Instant Credit Transfers"]
---

# Create a SEPA Instant Credit Transfer

`POST /v1/accounts/{account_id}/transactions/sepa_instant_credit_transfers`

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.

## Path parameters

- `account_id` string, required

## Request body

- object
  - `amount` object, required — The transaction amount.
    - `value` integer, required — The amount value in cents.
    - `currency` string, required — The currency of the given value. Only EUR is currently supported.
  - `creditor_iban` string, required — The IBAN of the creditor account (i.e., the account holder receiving the money). The IBAN must be reachable via SCT Instant!
  - `creditor_name` string, required — The name of the creditor (i.e., account holder).
  - `description` string — A description for the transaction given by the customer.
  - `end_to_end_id` string — Your unique end-to-end ID for the transaction.
  - `initiator_reference` string — Your unique reference for the transaction.
  - `idempotency_key` string, uuid — Your unique value generated for the transaction, which Solaris uses to recognize subsequent retries of the same request.
  - `verification_of_payee_id` string — 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

## Response `201`

The transaction was created

- object
  - `id` string — ID of the change request.
  - `status` 'AUTHORIZATION_REQUIRED' | 'CONFIRMATION_REQUIRED' | 'ACCEPTED' | 'COMPLETED' | 'FAILED' — Current status of the change request.
  - `updated_at` string, date-time — Updation date and time of change request.
  - `response_body` object
    - `id` string — The ID of the transaction.
  - `response_code` integer

## Other responses

- `202` — Change request for the transaction was created
- `400` — There was an error on the client side.
- `403` — You are not authorized to perform this action.
- `404` — The model could not be found.
- `500` — Internal server error.
- `default` — Unexpected error

---

[API](https://skmtc.net/solarisgroup/apis/sepa-transfers.md) · [All operations](https://skmtc.net/solarisgroup/apis/sepa-transfers/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/solarisgroup/sepa-transfers/revisions/f1fef352d976/schema)