Getting Started
We recommend checking out the introductory section to understand the basics of making transfers first.
Introduction
Bank account transfers let you send money quickly to accounts in multiple countries using Flutterwave. Below is a list of supported currencies and countries.
| Currency | Supported Countries |
|---|---|
| EUR | SEPA countries |
| GBP | UK |
| GHS | Ghana |
| KES | Kenya |
| MWK | Malawi |
| NGN | Nigeria |
| SLL | Sierra Leone |
| TZS | Tanzania |
| UGX | Uganda |
| USD | United States and Nigeria (domiciliary account) |
| XAF | Cameroon |
| XOF | Côte d'Ivoire, Senegal |
| ZAR | South Africa |
| ZMW | Zambia |
How to Send a Bank Transfer
To send funds to a bank account in a supported country:
- Collect the required customer details.
- Get the appropriate bank codes.
- Initiate the transfer using the customer’s information.
- Check the transfer status.
Key Terms
- Sending: The process of initiating a bank transfer. You’ll need the recipient’s details to complete the payout.
- Beneficiary: The person or business receiving the funds.
Country-Specific Guides
For more details on how to transfer to each supported country, select your country below:
Cameroon
Send XAF directly to bank accounts in Cameroon. 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 XAF wallet. For cross-currency transfers, the transfer amount is debited from the debit_currency wallet, while the transfer fee is debited from the XAF wallet. See the supported currencies and transfer fees page for more information.
Payout Flow
Follow these steps to send money to a bank account in Côte d’Ivoire.
1. Collect the beneficiary details
Gather the beneficiary's name, bank, and 23-digit IBAN (International Bank Account Number). If the beneficiary's bank is Ecobank, provide the local 11- or 16-digit account number instead.
See the table below for the required and optional parameters.
| Parameter | Description | Format | Example | Is required |
|---|---|---|---|---|
| account_bank | The beneficiary's bank code. Use the Get Banks endpoint to retrieve the bank code. | String | "CM10005" | Yes |
| account_number | The beneficiary's 23-character IBAN. For Ecobank, provide the 11- or 16-digit local account number. | String | "10005000010449229105136" | Yes |
| beneficiary_name | The beneficiary's full name. | String | "Sado Steven" | Yes |
| amount | The amount to send. | Integer | 350 | Yes |
| currency | The transfer currency. Must be XAF. | String | "XAF" | Yes |
| destination_branch_code | The beneficiary bank's branch code. Use the Get Branches endpoint to retrieve the branch code. | String | "CM1000501" | No |
| debit_currency | The wallet currency to debit for the transfer. | String | "XOF" | No |
| narration | A description for the transfer. | String | "Sado's Withdrawal" | No |
| reference | Unique reference to identify the transfer. | String | "Your-Unique-Reference" | No |
Testing Transfers
Check the testing guide for mocking transfers in the test environment.