International (USD, EUR, & GBP)

Prerequisites

Complete your KYC and ensure that your account is approved for transactions.
Whitelist your server IP addresses to prevent security errors.
Make sure your balance has enough funds. If needed, use an alternate balance; see the list of supported currencies for USD, EUR, and GBP transfers.

To send funds to international accounts, use the transfer endpoint and provide the required details. Depending on the bank and location, you may need information such as the routing number, SWIFT code, and beneficiary details.

Transfer to USD Accounts

{
  "amount": 500,
  "narration": "Sample USD Transfer",
  "currency": "USD",
  "beneficiary_name": "Mark Cuban",
  "meta": [
    {
     "account_number": "09182972BH",
     "routing_number": "0000000002993",
     "swift_code": "ABJG190",
     "bank_name": "BANK OF AMERICA, N.A., SAN FRANCISCO, CA",
     "beneficiary_name": "Mark Cuban",
     "beneficiary_address": "San Francisco, 4 Newton",
     "beneficiary_country": "US"
    }
  ]
}

You'll get a response like this:

{
	"status": "success",
	"message": "Transfer Queued Successfully",
	"data": {
		"id": 221082,
		"account_number": "FOREIGN-ACCOUNT",
		"bank_code": "FOREIGN-BANK",
		"full_name": "Mark Cuban",
		"created_at": "2023-11-08T15:43:47.000Z",
		"currency": "USD",
		"amount": 500,
		"fee": 45,
		"status": "NEW",
		"reference": "d1a5b51a94ed0607",
		"meta": [
			{
				"RoutingNumber": "0000000002993",
				"SwiftCode": "ABJG190",
				"BankName": "BANK OF AMERICA, N.A., SAN FRANCISCO, CA",
				"BeneficiaryName": "Mark Cuban",
				"BeneficiaryAddress": "San Francisco, 4 Newton",
				"BeneficiaryCountry": "US",
				"MerchantName": "Glory Amuah",
				"SenderCountry": "NG",
				"SenderAddress": "Lagos",
				"SenderMobileNumber": "+2348140244958",
				"AccountNumber": "FOREIGN-ACCOUNT",
				"Sender": "Glory Amuah",
				"Address": "San Francisco, 4 Newton",
				"MobileNumber": "23480000000000"
			}
		],
		"narration": "Test Int'l bank transfers",
		"complete_message": "",
		"requires_approval": 0,
		"is_approved": 1,
		"bank_name": "FA-BANK"
	}
}

Transfer to EUR Accounts

{
	"amount": 500,
	"narration": "Sample EUR Transfer",
	"currency": "EUR",
	"beneficiary_name": "John Twain",
	"meta": [
		{
			"account_number": "DA091983888373BGH",
			"routing_number": "BECFDE7HKKX",
			"swift_code": "BECFDE7HKKX",
			"bank_name": "LLOYDS BANK",
			"beneficiary_name": "John Twain",
			"beneficiary_country": "DE",
			"postal_code": "80489",
			"street_number": "31",
			"street_name": "Handelsbank Elsenheimer Str.",
			"city": "München"
		}
	]
}

You'll get a response like this:

{
	"status": "success",
	"message": "Transfer Queued Successfully",
	"data": {
		"id": 221083,
		"account_number": "FOREIGN-ACCOUNT",
		"bank_code": "FOREIGN-BANK",
		"full_name": "John Twain",
		"created_at": "2023-11-08T15:48:08.000Z",
		"currency": "EUR",
		"amount": 500,
		"fee": 45,
		"status": "NEW",
		"reference": "a68e06b331590d75",
		"meta": [
			{
				"RoutingNumber": "BECFDE7HKKX",
				"SwiftCode": "BECFDE7HKKX",
				"BankName": "LLOYDS BANK",
				"BeneficiaryName": "John Twain",
				"BeneficiaryCountry": "DE",
				"PostalCode": "80489",
				"StreetNumber": "31",
				"StreetName": "Handelsbank Elsenheimer Str.",
				"City": "München",
				"MerchantName": "Glory Amuah",
				"SenderCountry": "NG",
				"SenderAddress": "Lagos",
				"SenderMobileNumber": "+2348140244958",
				"AccountNumber": "FOREIGN-ACCOUNT",
				"Sender": "Glory Amuah",
				"Address": null,
				"MobileNumber": "23480000000000"
			}
		],
		"narration": "Test EU Int'l bank transfers",
		"complete_message": "",
		"requires_approval": 0,
		"is_approved": 1,
		"bank_name": "FA-BANK"
	}
}

Transfer to GBP Accounts

{
	"amount": 500,
	"narration": "Sample GBP Transfers",
	"currency": "GBP",
	"beneficiary_name": "John Twain",
	"meta": [
		{
			"account_number": "DA091983888373BGH",
			"routing_number": "BECFDE7HKKX",
			"swift_code": "BECFDE7HKKX",
			"bank_name": "LLOYDS BANK",
			"beneficiary_name": "John Twain",
			"beneficiary_country": "UK",
			"postal_code": "80489",
			"street_number": "31",
			"street_name": "Handelsbank Elsenheimer Str.",
			"city": "London"
		}
	]
}

You'll get a response like this:

{
	"status": "success",
	"message": "Transfer Queued Successfully",
	"data": {
		"id": 221084,
		"account_number": "FOREIGN-ACCOUNT",
		"bank_code": "FOREIGN-BANK",
		"full_name": "John Twain",
		"created_at": "2023-11-08T15:50:44.000Z",
		"currency": "GBP",
		"amount": 500,
		"fee": 45,
		"status": "NEW",
		"reference": "31b2925a80c5bf2e",
		"meta": [
			{
				"RoutingNumber": "BECFDE7HKKX",
				"SwiftCode": "BECFDE7HKKX",
				"BankName": "LLOYDS BANK",
				"BeneficiaryName": "John Twain",
				"BeneficiaryCountry": "UK",
				"PostalCode": "80489",
				"StreetNumber": "31",
				"StreetName": "Handelsbank Elsenheimer Str.",
				"City": "München",
				"MerchantName": "Glory Amuah",
				"SenderCountry": "NG",
				"SenderAddress": "Lagos",
				"SenderMobileNumber": "+2348140244958",
				"AccountNumber": "FOREIGN-ACCOUNT",
				"Sender": "Glory Amuah",
				"Address": null,
				"MobileNumber": "23480000000000"
			}
		],
		"narration": "Test GBP Int'l bank transfers",
		"complete_message": "",
		"requires_approval": 0,
		"is_approved": 1,
		"bank_name": "FA-BANK"
	}
}

As always, the data.status of the transfer is "NEW". Be sure to set up a webhook or call the get transfer endpoint to track when the transfer is completed. For more details, see transfer overview.

Testing Transfers

Check our testing guide for details on testing transfers.