Egypt

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This feature is only supported for IMTO merchants. Kindly submit a request to access this feature on your account.

Prerequisites

Complete your KYC verification and confirm that your account is approved for transactions.
Whitelist your server IP address to prevent security errors.
Fund your EGP balance. You can do this by:
- Directly funding via collections, this method allows funding up to the equivalent of $1,000.
- Indirect funding via FX conversion from a different currency balance (i.e., wallet-to-wallet transfers).

📘
Transfer Settlement Schedule
Transfers are processed Sunday to Thursday, 9 AM to 3 PM (GMT+2). Requests made outside these hours are handled the next working period. Funds settle 24-48 hours after processing.

Payout Flow

Follow these steps to initiate a transfer to an Egyptian Bank Account:

Collect the customer's (payout initiator) and beneficiary's information.
Query the bank endpoint to get the corresponding bank codes for the transfer.
Set the meta.is_cash_pickup parameter to true.
Send your API request with the required parameters and any other custom data.
Verify the payout status either via webhooks or with the query status endpoint.

Step 1: Collect Customer and Beneficiary information

You'll need the correct information to initiate the transfer. Collect the sender and beneficiary's information, see the list of mandatory and optional parameters below:

Parameter	Description	Format	Example	isRequired
`account_number`	The beneficiary's bank account number.	String	`EGPWALLETS`	Yes
`account_bank`	The beneficiary's bank code. Query the bank endpoint for a comprehensive list of supported banks	String	“0690000032”	Yes
`amount`	The transfer amount.	String	"2000"	Yes
`beneficiary_name`	The full name of the transfer beneficiary.	String	“Example User”	Yes
`narration`	The transfer's description.	String	"Test Payment"	No
`currency`	The transfer currency. This must be `EGP`.	String	`EGP`	Yes
`meta`	Additional information needed to process the transfer.	Object	N/A	Yes
`meta.beneficiary_address`	The Beneficiary's Address.	String	“24 King William Street London”	No
`meta.beneficiary_country`	The Beneficiary's country. This should be `EG`.	String	`EG`	No
`meta.sender`	The Sender's full name.	String	Example User	No
`meta.email`	The Sender's email address.	String	'[email protected]'	No
`meta.sender_city`	The Sender's city	String	"Lagos"	Yes
`meta.sender_mobile_Number`	The Sender's mobile number.	String	“01993003333”	No
`meta.sender_date_of_birth`	The Sender's date of birth.	String		Yes
`meta.sender_id_number`	The Sender's ID number.	String	"2231aaa"	Yes
`meta.sender_id_type`	The Sender's ID type.	String	"01"	Yes
`meta.sender_id_expiry`	The Sender's ID expiration date.	String	“2026-09-23”	Yes
`meta.is_cash_pickup`	Specifies if this is a cash pickup transfer. This must be set to `true`.	String	`true`	No
`meta.transfer_purpose`	A brief description of the purpose for the transfer.	String	"Medical Bills"	Yes
`meta.beneficiary_mobile_number`	The Beneficiary's Mobile number.	String	"01000410066"	Yes

Step 2: Retrieve the recipient's bank code

Query the bank's endpoint to get the recipient's bank code. Use this sample as a guide to fetch a bank code.

curl --location 'https://api.flutterwave.com/v3/banks/EG' \
--header 'Authorization: Bearer YOUR_SECRET_KEY'

Step 3: Payout to the Customer

Send your payment request with all the needed transfer information to the transfers endpoint to initiate the payout.

{
    "account_number": "0690000032",
    "account_bank": "EGPWALLETS",
    "narration": "test",
    "amount": 2000,
    "currency": "EGP",
    "beneficiary_name": "john mike",
    "meta": [
        {
            "beneficiary_address": "24 King William Street London",
            "sender_city": "kakakwa",
            "is_cash_pickup": true,
            "beneficiary_country": "EG",
            "sender_id_number": "2231aaa",
            "sender_id_type": "01",
            "sender": "test",
            "email": "[email protected]",
            "sender_id_expiry": "2026-09-23",
            "sender_mobile_Number": "01993003333",
            "sender_date_of_birth": "2002-09-23"
        }
    ]
}

You'll get a response like this:

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 326,
        "account_number": "0690000032",
        "bank_code": "EGPWALLETS",
        "full_name": "JOHN MIKE",
        "created_at": "2025-02-24T15:35:35.000Z",
        "currency": "EGP",
        "amount": 2000,
        "fee": 45,
        "status": "NEW",
        "reference": "45ecccaf91421bcc",
        "meta": [
            {
                "BeneficiaryAddress": "24 King William Street London",
                "SenderCity": "kakakwa",
                "IsCashPickup": false,
                "SenderIdNumber": "2231aaa",
                "SenderIdType": "PASSPORT",
                "Sender": "test",
                "SenderIdExpiry": "23/09/2026",
                "SenderDateOfBirth": "23/09/2002",
                "SenderAddress": "TESt 40",
                "SenderMobileNumber": "08110745134",
                "SenderNationality": "NG",
                "SenderCountry": "NG",
                "SenderEmailAddress": null,
                "MerchantName": "Daniel ltd",
                "BeneficiaryName": "john mike",
                "TransferType": "MOBILE",
                "AgentCode": "1",
                "AgentLocationCode": "1",
                "RouteCode": "BDC"
            }
        ],
        "narration": "test",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "FA-BANK"
    }
}

Step 4: Verify the Payout status

You have different options to verify the transfer status. Here are some quick ways to verify your status:

If you have webhooks enabled, we'll call your webhook URL with the transfer details when the transfer is completed or fails.
If you specify a callback_urlwhen creating the transfer, we'll call that URL with the transfer details when the transfer is completed or fails.
You can manually check the current status of the transfer by polling the get transfer endpoint with the transfer ID.

{
  "event.type": "Transfer",
  "transfer": {
    "id": 641173,
    "account_number": "0690000040",
    "bank_code": "97964560",
    "fullname": "NWABALI S",
    "date_created": "2024-07-29T13:00:30.000Z",
    "currency": "EGP",
    "debit_currency": "NGN",
    "amount": 100000,
    "fee": 45,
    "status": "SUCCESSFUL",
    "reference": "47b4b1f71065196a",
    "meta": null,
    "narration": "SAMPLE BDC TRANSFER",
    "approver": null,
    "complete_message": "Successful",
    "requires_approval": 0,
    "is_approved": 1,
    "bank_name": "First Discount House Limited"
  }
}

{
	"status": "success",
	"message": "Transfer fetched",
	"data": {
		"id": 641173,
		"account_number": "0690000040",
		"bank_code": "97964560",
		"full_name": "NWABALI S",
		"created_at": "2024-07-29T11:36:14.000Z",
		"currency": "EGP",
		"debit_currency": "NGN",
		"amount": 100000,
		"fee": 45,
		"status": "SUCCESSFUL",
		"reference": "47b4b1f71065196a",
		"meta": [
			{
				"sender": "Sample User"
			}
		],
		"narration": "Payment for goods",
		"approver": null,
		"complete_message": "Successful",
		"requires_approval": 0,
		"is_approved": 1,
		"bank_name": "First Discount House Limited"
	}
}

Testing Transfers

Check our testing guide for details on testing transfers.

❗️

Prerequisites

📘Transfer Settlement Schedule

Payout Flow

Step 1: Collect Customer and Beneficiary information

Step 2: Retrieve the recipient's bank code

Step 3: Payout to the Customer

Step 4: Verify the Payout status

Testing Transfers

📘
Transfer Settlement Schedule