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Scheduled Transfers

Create a Scheduled Transfer

Creates a scheduled transfer for the account specified in the request URL. Note: This call triggers the change request process.

post/v1/accounts/{account_id}/scheduled_transfers

Path parameters

account_idstring required

The ID of the account to create a scheduled transfer for.

Request body

transfer_type'SCT' | 'SCT_INSTANT' required

The type of transfer to be scheduled.

initiator_referencestring required

A reference provided by the transaction initiator. It needs to be unique for the initiator.

creditor_namestring required

The recipient's name.

creditor_ibanstring required

The recipient's IBAN.

creditor_bicstring

The recipient's BIC.

descriptionstring

A description for the scheduled transfer.

end_to_end_idstring

End-to-end ID to use in the scheduled transfer transactions.

execution_schedule'WEEKLY' | 'EVERY_TWO_WEEKS' | 'MONTHLY' | 'QUARTERLY' | 'EVERY_SIX_MONTHS' | 'ANNUALLY' | 'ONE-TIME' required

The frequency at which to execute the scheduled transfer.

active_fromstring date required

The date on which the scheduled transfer will become active. The first transfer will be executed on this date.

active_tostring date

The date by which the scheduled transfer will be concluded. The last transfer will be executed before or on this date. For one-time transfers, this field is not required and will default to the active_from date.

authorizer_idstring required

The ID of the person who should authorize the scheduled transfer.

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

{
  "transfer_type": "SCT",
  "initiator_reference": "12f7ec0b-6762-4578-b49f-c0b1647d0e2d",
  "creditor_name": "Hans Mustermann",
  "creditor_iban": "DE32110101001000000029",
  "creditor_bic": "COBADEFFXXX",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "description": "Example scheduled transfer",
  "end_to_end_id": "unique-end-to-end-id",
  "execution_schedule": "MONTHLY",
  "active_from": "2018-03-01",
  "active_to": "2018-04-01",
  "authorizer_id": "cf67beb032b2abbfc444f1641fa669bccper",
  "verification_of_payee_id": "f874b3102718a4d757a6b6e4d5996078veop"
}

Response

The change request was successfully confirmed, and the scheduled transfer successful.

idstring

Unique ID of the scheduled transfer.

account_idstring

The account ID of the account that the scheduled transfer is associated with.

status'AUTHORIZATION_REQUIRED' | 'ACTIVE' | 'CANCELED' | 'CONCLUDED'

The status of the scheduled transfer.

transfer_type'SCT' | 'SCT_INSTANT'

The type of the scheduled transfer.

creditor_ibanstring

The recipient's IBAN.

creditor_namestring

The recipient's name.

creditor_bicstring

The recipient's BIC.

initiator_referencestring

Reference provided by the transaction initiator. It needs to be unique for the initiator.

descriptionstring

Optional description for the transaction, which will be visible to the recipient. Limited to 140 characters.

active_fromstring date

The date on which the scheduled transfer will become active. The first transfer will be executed on this date.

active_tostring date

The date by which the scheduled transfer will become concluded. The last transfer will be executed before or on this date. For one-time transfers this field will default to the active_from date.

execution_schedule'WEEKLY' | 'EVERY_TWO_WEEKS' | 'MONTHLY' | 'QUARTERLY' | 'EVERY_SIX_MONTHS' | 'ANNUALLY' | 'ONE-TIME'

The frequency at which to execute the scheduled transfer.

end_to_end_idstring

SEPA identifier provided by the transaction initiator, which will be routed throughout the whole payment process.

next_execution_datestring date

Next execution_schedule for this scheduled transfer

authorizer_idstring

The ID of the person who authorized the scheduled transfer.

verification_of_payee_idstring

The ID of the verification of payee process that was used to verify the recipient's name and IBAN.

created_atstring date-time

UTC timestamp from the time the scheduled transfer was created.

updated_atstring date-time

UTC timestamp from the last time the scheduled transfer was updated.

Example response

{
  "id": "f874b3102718a4d757a6b6e4d599607csctr",
  "account_id": "236f9042a19b65c0867e10c922b93502cacc",
  "status": "ACTIVE",
  "transfer_type": "SCT",
  "creditor_iban": "DE87110101001000057123",
  "creditor_name": "Hans Mustermann",
  "creditor_bic": "COBADEFFXXX",
  "initiator_reference": "dsf2r3raedfs3fsf342fctrx",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "active_from": "2025-09-01",
  "active_to": "2026-09-01",
  "execution_schedule": "MONTHLY",
  "end_to_end_id": "END2ENDREJ",
  "next_execution_date": "2025-10-01",
  "authorizer_id": "cf67beb032b2abbfc444f1641fa669bccper",
  "verification_of_payee_id": "f874b3102718a4d757a6b6e4d599607cvope",
  "created_at": "2022-04-21T13:59:52+00:00",
  "updated_at": "2022-04-21T13:59:52+00:00"
}