International (USD, EUR, & GBP)

Send USD, GBP, and EUR directly to international bank accounts. This guide walks you through the steps required to initiate and verify a transfer.

Prerequisites

Complete KYC and ensure your account is approved for transactions.
Whitelist your server IP addresses. See this guide for more information.
Enable Transfers via API. See this guide for more information.
Ensure you have sufficient funds in the transfer currency wallet. For cross-currency transfers, the transfer amount is debited from the debit_currency wallet, while the transfer fee is debited from the transfer currency wallet. See the supported currencies and transfer fees page for more information.

Payout Flow

Follow these steps to send money to an International bank account.

Collect the beneficiary details
Gather the beneficiary's name, bank, account number, and other required transfer details.

The required parameters vary by transfer currency. See the table below.

Parameter	Description	Format	USD	GBP	EUR
`account_number`	The beneficiary's account number.	String	Required	Required	Required
`beneficiary_name`	The beneficiary's full name.	String	Required	Required	Required
`amount`	The amount to send.	Integer	Required	Required	Required
`currency`	The transfer currency.	String	Required	Required	Required
`debit_currency`	The wallet currency to debit for the transfer.	String	Optional	Optional	Optional
`narration`	A description for the transfer.	String	Optional	Optional	Optional
`reference`	Unique reference to identify the transfer.	String	Optional	Optional	Optional
`meta[0].routing_number`	The bank's routing number.	String	Required	Required	Required
`meta[0].swift_code`	The bank's SWIFT code.	String	Required	Optional	Required
`meta[0].bank_name`	The beneficiary’s bank name.	String	Required	Required	Required
`meta[0].account_type`	The beneficiary's account type. For USD, pass `checking` or `depository`. For GBP, pass `personal` or `corporate`.	String	Required	Required	***
`meta[0].email`	The beneficiary’s email address.	String	Optional	Optional	Optional
`meta[0].mobile_number`	The beneficiary's mobile number.		Optional	Optional	Optional
`meta[0].beneficiary_address`	The beneficiary's address.		Required	Optional	Optional
`meta[0].sender_address`	The sender's address.		Optional	Optional	Optional
`meta[0].sender_mobile_number`	The sender's mobile number.		Optional	Optional	Optional
`meta[0].postal_code`	The beneficiary's postal code.		Required	Optional	Required
`meta[0].street_number`	The beneficiary's street number.		Required	Optional	Required
`meta[0].street_name`	The beneficiary's street name.		Required	Optional	Required
`meta[0].city`	The beneficiary's city.		Optional	Optional	Required
`meta[0].first_name`	The beneficiary's first name. Required when `account_type` is personal for GBP transfers. If passed, must match the first name value provided for the `beneficiary_name`.		Optional	Conditional	Optional
`meta[0].last_name`	The beneficiary's last name. Required when `account_type` is personal for GBP transfers. If passed, must match the last name value provided for the `beneficiary_name`.	String	Optional	Conditional	Optional
`meta[0].beneficiary_merchant_name`	The beneficiary's business name. Required when `account_type` is corporate for GBP transfers.	String	***	Conditional	***

Initiate the transfer
Send a POST request to the transfer endpoint with the beneficiary and transfer details.

curl --request POST \
  --url https://api.flutterwave.com/v3/transfers \
  --header 'Authorization: Bearer {{YOUR_SECRET_KEY}}' \
  --header 'Content-Type: application/json' \
  --data '{
    "amount": 500,
    "account_number": "210868791872",
    "reference":"f039_PMCKDU_1",
    "narration": "Sample USD Transfer",
    "currency": "USD",
    "debit_currency": "NGN",
    "beneficiary_name": "Mark Cuban",
    "meta": [
      {
        "routing_number": "101019644",
        "swift_code": "IRVTUS3N",
        "bank_name": "BANK OF AMERICA, N.A., SAN FRANCISCO, CA",
        "account_type": "checking",
        "postal_code": "EC2A",
        "email": "[email protected]",
        "mobile_number": "11733871880",
        "beneficiary_address": "San Francisco, 4 Newton",
        "sender_address": "No 8 Providence Street",
        "sender_mobile_number": "2349161568874",
        "street_number": "31",
        "street_name": "Handelsbank Elsenheimer Str."
      }
    ]
  }'

curl --request POST \
  --url https://api.flutterwave.com/v3/transfers \
  --header 'Authorization: Bearer {{YOUR_SECRET_KEY}}' \
  --header 'Content-Type: application/json' \
  --data '{
    "amount": 1,
    "account_number": "82094660",
    "narration": "Sample GBP",
    "currency": "GBP",
    "reference":"hfh_PMCKDU_1",
    "debit_currency": "USD",
    "beneficiary_name": "OLUWAFEMI ADEGBESAN",
    "meta": [
      {
        "routing_number": "308463",
        "swift_code": "308463",
        "bank_name": "LLOYDS BANK",
        "account_type": "personal",
        "email": "[email protected]",
        "mobile_number": "11733871880",
        "beneficiary_address": "San Francisco, 4 Newton",
        "sender_address": "No 8 Providence Street",
        "sender_mobile_number": "2349161568874",
        "postal_code": "80489",
        "street_number": "31",
        "street_name": "Handelsbank Elsenheimer Str.",
        "city": "London"
      }
    ]
  }'

curl --request POST \
  --url https://api.flutterwave.com/v3/transfers \
  --header 'Authorization: Bearer {{YOUR_SECRET_KEY}}' \
  --header 'Content-Type: application/json' \
  --data '{
    "amount": 500,
    "account_number": "IE091983888373BGH",
    "narration": "Sample EUR Transfer",
    "currency": "EUR",
    "reference":"hlh_PMCKDU_1",
    "debit_currency": "USD",
    "beneficiary_name": "John Twain",
    "meta": [
      {
        "routing_number": "BECFDE7HKKX",
        "swift_code": "BECFDE7HKKX",
        "bank_name": "LLOYDS BANK",
        "postal_code": "80489",
        "street_number": "31",
        "street_name": "Handelsbank Elsenheimer Str.",
        "city": "München",
        "email": "[email protected]"
      }
    ]
  }

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 2243822,
        "account_number": "FOREIGN-ACCOUNT",
        "bank_code": "FOREIGN-BANK",
        "full_name": "Mark Cuban",
        "created_at": "2026-09-29T20:13:56.000Z",
        "currency": "USD",
        "debit_currency": "GBP",
        "amount": 500,
        "fee": 2.5,
        "status": "NEW",
        "reference": "f039_PMCKDU_1",
        "meta": [
            {
                "RoutingNumber": "101019644",
                "SwiftCode": "IRVTUS3N",
                "BankName": "BANK OF AMERICA, N.A., SAN FRANCISCO, CA",
                "AccountType": "checking",
                "PostalCode": "EC2A",
                "EmailAddress": " [email protected]",
                "MobileNumber": "11733871880",
                "BeneficiaryAddress": "San Francisco, 4 Newton",
                "SenderAddress": "No 8 Providence Street",
                "SenderMobileNumber": "2349161568874",
                "StreetNumber": "31",
                "StreetName": "Handelsbank Elsenheimer Str.",
                "City": "LA",
                "MerchantName": "Dotuns Fashion Limited",
                "SenderCountry": "ZA",
                "AccountNumber": "FOREIGN-ACCOUNT",
                "Sender": "Dotuns Fashion Limited",
                "Address": "San Francisco, 4 Newton"
            }
        ],
        "narration": "Sample USD Transfer",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "FA-BANK"
    }
}

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 117643993,
        "account_number": "FOREIGN-ACCOUNT",
        "bank_code": "FOREIGN-BANK",
        "full_name": "OLUWAFEMI ADEGBESAN",
        "created_at": "2026-09-29T20:12:33.000Z",
        "currency": "GBP",
        "debit_currency": "USD",
        "amount": 1,
        "fee": 35,
        "status": "NEW",
        "reference": "hfh_PMCKDU_1",
        "meta": [
            {
                "RoutingNumber": "308463",
                "SwiftCode": "308463",
                "BankName": "LLOYDS BANK",
                "AccountType": "personal",
                "EmailAddress": "[email protected]",
                "MobileNumber": "11733871880",
                "BeneficiaryAddress": "San Francisco, 4 Newton",
                "SenderAddress": "No 8 Providence Street",
                "SenderMobileNumber": "2349161568874",
                "PostalCode": "80489",
                "StreetNumber": "31",
                "StreetName": "Handelsbank Elsenheimer Str.",
                "City": "london",
                "MerchantName": "Adedotun Obatomi",
                "SenderCountry": "NG",
                "AccountNumber": "FOREIGN-ACCOUNT",
                "Sender": "Adedotun Obatomi",
                "Address": "San Francisco, 4 Newton"
            }
        ],
        "narration": "Sample GBP ",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "LLOYDS BANK"
    }
}

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 2243820,
        "account_number": "FOREIGN-ACCOUNT",
        "bank_code": "FOREIGN-BANK",
        "full_name": "John Twain",
        "created_at": "2026-09-29T20:10:54.000Z",
        "currency": "EUR",
        "debit_currency": "USD",
        "amount": 500,
        "fee": 2.5,
        "status": "NEW",
        "reference": "hlh_PMCKDU_1",
        "meta": [
            {
                "SwiftCode": "BECFDE7HKKX",
                "BankName": "LLOYDS BANK",
                "PostalCode": "80489",
                "StreetNumber": "31",
                "StreetName": "Handelsbank Elsenheimer Str.",
                "City": "München",
                "EmailAddress": "[email protected]",
                "MerchantName": "Dotuns Fashion Limited",
                "SenderCountry": "ZA",
                "AccountNumber": "FOREIGN-ACCOUNT",
                "RoutingNumber": "FOREIGN-BANK",
                "Sender": "Dotuns Fashion Limited",
                "Address": null,
                "MobileNumber": "23480000000000",
                "SenderAddress": null,
                "SenderMobileNumber": "07054748747"
            }
        ],
        "narration": "Sample EUR Transfer",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "FA-BANK"
    }
}

Verify the transfer status
There are two ways to verify the transfer status:

Call the transfer status endpoint using the transfer ID (data.id) returned in the transfer response.
Listen for webhooks. Configure your webhook URL on the Flutterwave Dashboard to receive real-time transfer updates. See the webhooks guide for more information.


{
  "event": "transfer.completed",
  "event.type": "Transfer",
  "data": {
    "id": 2243822,
    "account_number": "FOREIGN-ACCOUNT",
    "bank_name": "FA-BANK",
    "bank_code": "FOREIGN-BANK",
    "fullname": "Mark Cuban",
    "created_at": "2026-09-29T20:13:56.000Z",
    "currency": "USD",
    "debit_currency": "GBP",
    "amount": 500,
    "fee": 2.5,
    "status": "SUCCESSFUL",
    "reference": "f039_PMCKDU_1",
    "meta": [
      {
        "RoutingNumber": "101019644",
        "SwiftCode": "IRVTUS3N",
        "BankName": "BANK OF AMERICA, N.A., SAN FRANCISCO, CA",
        "AccountType": "checking",
        "PostalCode": "EC2A",
        "EmailAddress": " [email protected]",
        "MobileNumber": "11733871880",
        "BeneficiaryAddress": "San Francisco, 4 Newton",
        "SenderAddress": "No 8 Providence Street",
        "SenderMobileNumber": "2349161568874",
        "StreetNumber": "31",
        "StreetName": "Handelsbank Elsenheimer Str.",
        "City": "LA",
        "MerchantName": "Dotuns Fashion Limited",
        "SenderCountry": "ZA",
        "AccountNumber": "FOREIGN-ACCOUNT",
        "Sender": "Dotuns Fashion Limited",
        "Address": "San Francisco, 4 Newton"
      }
    ],
    "narration": "Sample USD Transfer",
    "approver": null,
    "complete_message": "Successful",
    "requires_approval": 0,
    "is_approved": 1
  }
}

{
  "event": "transfer.completed",
  "event.type": "Transfer",
  "data": {
    "id": 2243821,
    "account_number": "FOREIGN-ACCOUNT",
    "bank_name": "FA-BANK",
    "bank_code": "FOREIGN-BANK",
    "fullname": "OLUWAFEMI ADEGBESAN",
    "created_at": "2026-09-29T20:13:23.000Z",
    "currency": "GBP",
    "debit_currency": "USD",
    "amount": 1,
    "fee": 0.005,
    "status": "SUCCESSFUL",
    "reference": "hfh_PMCKDU_1",
    "meta": [
      {
        "RoutingNumber": "308463",
        "SwiftCode": "308463",
        "BankName": "LLOYDS BANK",
        "AccountType": "personal",
        "EmailAddress": "[email protected]",
        "BeneficiaryAddress": "San Francisco, 4 Newton",
        "SenderAddress": "No 8 Providence Street",
        "SenderMobileNumber": "2349161568874",
        "PostalCode": "80489",
        "StreetNumber": "31",
        "StreetName": "Handelsbank Elsenheimer Str.",
        "City": "london",
        "Sender": "Dotuns Fashion Limited",
        "MerchantName": "Dotuns Fashion Limited",
        "SenderCity": "Lagos",
        "BeneficiaryName": "OLUWAFEMI ADEGBESAN",
        "BeneficiaryIdNumber": null,
        "BeneficiaryCity": "london",
        "AccountNumber": "82094660",
        "SenderCountry": "ZA",
        "BeneficiaryMobileNumber": "11733871880",
        "Address": "San Francisco, 4 Newton",
        "MobileNumber": "23480000000000"
      }
    ],
    "narration": "Sample GBP ",
    "approver": null,
    "complete_message": "Successful",
    "requires_approval": 0,
    "is_approved": 1
  }
}

{
  "event": "transfer.completed",
  "event.type": "Transfer",
  "data": {
    "id": 2243820,
    "account_number": "FOREIGN-ACCOUNT",
    "bank_name": "FA-BANK",
    "bank_code": "FOREIGN-BANK",
    "fullname": "John Twain",
    "created_at": "2026-09-29T20:10:54.000Z",
    "currency": "EUR",
    "debit_currency": "USD",
    "amount": 500,
    "fee": 2.5,
    "status": "SUCCESSFUL",
    "reference": "hlh_PMCKDU_1",
    "meta": [
      {
        "SwiftCode": "BECFDE7HKKX",
        "BankName": "LLOYDS BANK",
        "PostalCode": "80489",
        "StreetNumber": "31",
        "StreetName": "Handelsbank Elsenheimer Str.",
        "City": "München",
        "EmailAddress": "[email protected]",
        "MerchantName": "Dotuns Fashion Limited",
        "SenderCountry": "ZA",
        "AccountNumber": "FOREIGN-ACCOUNT",
        "RoutingNumber": "FOREIGN-BANK",
        "Sender": "Dotuns Fashion Limited",
        "Address": null,
        "MobileNumber": "23480000000000",
        "SenderAddress": null,
        "SenderMobileNumber": "07054748747"
      }
    ],
    "narration": "Sample EUR Transfer",
    "approver": null,
    "complete_message": "Successful",
    "requires_approval": 0,
    "is_approved": 1
  }
}

Testing Transfers

Check the testing guide for mocking transfers in the test environment.