Bank Account Transfers
Learn how to make bank account transfers.
Flutterwave allows customers to transfer funds directly from their Flutterwave balance to a bank account. This feature enables merchants to seamlessly process payouts to local or international bank accounts.
Prerequisites
Before initiating a transfer, complete the following:
- Whitelist your IP addresses.
- Ensure your balance has sufficient funds. You can fund your balance using one of the following methods:
- Directly funding via collections.
- Indirect funding by converting funds from a different currency balance (i.e., wallet-to-wallet transfers).
Payout Flow
Each successful bank transfer follows a two-step process:
- Initiate the payout
- Verify the payout
Initiate Payout
Integration Method
This guide follows the direct transfer flow for demonstration. Please refer to the general transfer flow for the alternative integration method.
To initiate a bank transfer, send a request to the create transfer endpoint with the following required parameters:
action: Specifies how the transfer should be processed. Accepted values are:instant,deferred, orscheduled.type: Specifies the transfer method. Usebankfor bank account transfers.payment_instruction: An object containing transfer details of the payment, including:amountcurrency(source_currencyanddestination_currency)- Recipient information, including destination bank account details.
Sample Requests
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action": "instant",
"type": "bank",
"callback_url": "https://www.company.com/callback",
"narration": "Testing transfers",
"reference": "{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction": {
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"source_currency": "USD",
"destination_currency": "AUD",
"recipient": {
"bank": {
"routing_number": "062123",
"swift_code": "BANK123",
"name": "Commonwealth Bank of Australia",
"account_number": "123456789"
},
"name": {
"first": "Bob",
"middle": "The",
"last": "Builder"
},
"email": "[email protected]",
"phone": {
"country_code": "61",
"number": "9012345678"
},
"address": {
"line1": "7A, Awesome Apartments",
"line2": "Sweet Street",
"postal_code": "123456",
"city": "Cool City",
"state": "Super State",
"country": "AU"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action":"instant",
"type":"bank",
"callback_url":"https://www.company.com/callback",
"narration":"Testing transfers",
"reference":"{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction":{
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"source_currency":"EGP",
"destination_currency":"EGP",
"recipient":{
"bank":{
"code":"ADIB",
"account_number":"123456789"
},
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"email":"[email protected]",
"phone":{
"country_code":"20",
"number":"9012345678"
},
"address":{
"line1":"7A, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"city":"Cool City",
"state":"Super State",
"country":"EG"
},
"national_identification":{
"type":"NATIONAL_ID",
"identifier":"1234567890",
"expiration_date":"2029-11-15"
}
},
"sender":{
"name":{
"first":"Alexander",
"middle":"The",
"last":"Great"
},
"email":"[email protected]",
"phone":{
"country_code":"20",
"number":"8012345679"
},
"address":{
"line1":"3B, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"city":"Cool City",
"state":"Super State",
"country":"EG"
},
"date_of_birth":"1980-11-25",
"national_identification":{
"type":"PASSPORT",
"identifier":"0987654321",
"expiration_date":"2028-12-25"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action": "instant",
"type": "bank",
"callback_url": "https://www.company.com/callback",
"narration": "Testing transfers",
"reference": "{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction": {
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"source_currency": "ETB",
"destination_currency": "ETB",
"recipient": {
"bank": {
"code": "7",
"account_number": "123456789"
},
"name": {
"first": "Bob",
"middle": "The",
"last": "Builder"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action": "instant",
"type": "bank",
"callback_url": "https://www.company.com/callback",
"narration": "Testing transfers",
"reference": "{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction": {
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"source_currency": "USD",
"destination_currency": "EUR",
"recipient": {
"bank": {
"name": "Continental Bank of Europe",
"swift_code": "DEUTDEFF",
"account_number": "9876543210"
},
"name": {
"first": "Bob",
"middle": "The",
"last": "Builder"
},
"email": "[email protected]",
"phone": {
"country_code": "49",
"number": "9012345678"
},
"address": {
"line1": "7A, Awesome Apartments",
"line2": "Sweet Street",
"postal_code": "123456",
"city": "Cool City",
"state": "Super State",
"country": "DE"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action": "instant",
"type": "bank",
"callback_url": "https://www.company.com/callback",
"narration": "Testing transfers",
"reference": "{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction": {
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"source_currency": "GHS",
"destination_currency": "GHS",
"recipient": {
"type": "bank",
"bank": {
"code": "25562284",
"branch": "001",
"account_number": "1234567890"
},
"name": {
"first": "Bob",
"middle": "The",
"last": "Builder"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action":"instant",
"type":"bank",
"callback_url":"https://www.company.com/callback",
"narration":"Testing transfers",
"reference":"{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction":{
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"source_currency":"INR",
"destination_currency":"INR",
"recipient":{
"bank":{
"code":"SBIN",
"branch":"SBIN0015615",
"account_number":"123456789"
},
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"email":"[email protected]",
"phone":{
"country_code":"91",
"number":"9012345678"
},
"address":{
"line1":"7A, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"city":"Cool City",
"state":"Super State",
"country":"IN"
}
},
"sender":{
"national_identification":{
"type":"PASSPORT",
"identifier":"0987654321",
"expiration_date":"2028-11-25"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action": "instant",
"type": "bank",
"callback_url": "https://www.company.com/callback",
"narration": "Testing transfers",
"reference": "{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction": {
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"source_currency": "MWK",
"destination_currency": "MWK",
"recipient": {
"bank": {
"code": "20474000",
"branch": "1812061ZP6",
"account_number": "123456789"
},
"name": {
"first": "Bob",
"middle": "The",
"last": "Builder"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action": "instant",
"type": "bank",
"callback_url": "https://www.company.com/callback",
"narration": "Testing transfers",
"reference": "{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction": {
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"source_currency": "USD",
"destination_currency": "NGN",
"recipient": {
"bank": {
"code": "044",
"account_number": "0690000031"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action": "instant",
"type": "bank",
"callback_url": "https://www.company.com/callback",
"narration": "Testing transfers",
"reference": "{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction": {
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"source_currency": "USD",
"destination_currency": "USD",
"recipient": {
"type": "bank",
"bank": {
"code": "125200057",
"routing_number": "021000021",
"swift_code": "BOFAUS3N",
"account_type": "checking",
"account_number": "1234567890"
},
"name": {
"first": "Bob",
"middle": "The",
"last": "Builder"
},
"email": "[email protected]",
"phone": {
"country_code": "1",
"number": "9012345678"
},
"address": {
"line1": "7A, Awesome Apartments",
"line2": "Sweet Street",
"postal_code": "123456",
"city": "Cool City",
"state": "Super State",
"country": "US"
}
}
}
}'
curl --request POST \
--url 'https://api.flutterwave.cloud/developersandbox/direct-transfers' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
--data '{
"action": "instant",
"type": "bank",
"callback_url": "https://www.company.com/callback",
"narration": "Testing transfers",
"reference": "{{YOUR_UNIQUE_REFERENCE}}",
"payment_instruction": {
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"source_currency": "ZAR",
"destination_currency": "ZAR",
"recipient": {
"type": "bank",
"bank": {
"code": "ABSA",
"account_number": "1234567890"
},
"name": {
"first": "Bob",
"middle": "The",
"last": "Builder"
},
"email": "[email protected]",
"phone": {
"country_code": "27",
"number": "9012345678"
},
"address": {
"line1": "7A, Awesome Apartments",
"line2": "Sweet Street",
"postal_code": "123456",
"city": "Cool City",
"state": "Super State",
"country": "ZA"
}
}
}
}'
Getting Bank and Branch Codes
To complete a bank transfer, you may need to provide both the bank code and bank branch code (if required for the destination country). Retrieve this information using the available Bank APIs:
- Retrieve banks endpoint: Fetches a list of bank codes available for a specific country.
- Retrieve bank branches endpoint: Fetches a list of bank branches for a specific bank. Required only for certain currency transfers (e.g., GHS bank transfers).
You can initiate scheduled or deferred bank transfers by setting the action field to scheduled or deferred.
For scheduled transfers, include the disburse_option object in your request. This object defines when the transfer should be executed and must contain:
date_time: The exact date and time to trigger the transfer.timezone: The timezone for the scheduled time.
Refer to the transfer overview for a complete walkthrough on creating and managing these transfer types.
Handling International Transfers
To manage cross-currency payouts, refer to the managing currency section.
Handling the Response
When you successfully initiate a bank transfer, the API returns a response similar to the following:
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_HHB2Yrc3LUyooR",
"type":"bank",
"action":"instant",
"reference":"duyiebieuei8eieu89383jhdjhdy",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"USD",
"destination_currency":"AUD",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_v3jeBmSUxC",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"AUD",
"phone":{
"country_code":"61",
"number":"9012345678"
},
"email":"[email protected]",
"address":{
"city":"Cool City",
"country":"AU",
"line1":"7A, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"state":"Super State"
},
"bank":{
"account_number":"123456789",
"name":"Commonwealth Bank of Australia",
"routing_number":"CTBAAU",
"swift_code":"BANK123"
}
},
"meta":{},
"created_datetime":"2025-06-02T16:04:36.072Z"
}
}
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_mm2c4ax7p3YDNB",
"type":"bank",
"action":"instant",
"reference":"kjvdcoihudfoidfpofjiof9r",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"EGP",
"destination_currency":"EGP",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_pvu4uNFiT7",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"EGP",
"national_identification":{
"type":"NATIONAL_ID",
"identifier":"1234567890",
"expiration_date":"2029-11-15"
},
"phone":{
"country_code":"20",
"number":"9012345678"
},
"email":"[email protected]",
"address":{
"city":"Cool City",
"country":"EG",
"line1":"7A, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"state":"Super State"
},
"bank":{
"account_number":"123456789",
"code":"ADIB"
}
},
"sender":{
"id":"sdr_tGCFUvSdVu",
"name":{
"first":"Alexander",
"middle":"The",
"last":"Great"
},
"national_identification":{
"type":"PASSPORT",
"identifier":"0987654321",
"expiration_date":"2028-12-25"
},
"phone":{
"country_code":"20",
"number":"8012345679"
},
"date_of_birth":"1980-11-25",
"email":"[email protected]",
"address":{
"city":"Cool City",
"country":"EG",
"line1":"3B, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"state":"Super State"
}
},
"meta":{},
"created_datetime":"2025-06-02T16:29:48.366Z"
}
}
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_zksyU4F4kFGZi7",
"type":"bank",
"action":"instant",
"reference":"778989JHUTGHJGHJYUYIUY",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"ETB",
"destination_currency":"ETB",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_ExC7XZKoC1",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"ETB",
"bank":{
"account_number":"123456789",
"code":"7"
}
},
"meta":{},
"created_datetime":"2025-06-02T16:37:41.658Z"
}
}
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_03mgMQvkcD1J4Q",
"type":"bank",
"action":"instant",
"reference":"duuidiudodudududj77262",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"USD",
"destination_currency":"EUR",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_2fh9yl2PCl",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"EUR",
"phone":{
"country_code":"49",
"number":"9012345678"
},
"email":"[email protected]",
"address":{
"city":"Cool City",
"country":"DE",
"line1":"7A, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"state":"Super State"
},
"bank":{
"account_number":"9876543210",
"name":"Continental Bank of Europe",
"swift_code":"DEUTDEFF"
}
},
"meta":{},
"created_datetime":"2025-06-02T16:42:32.080Z"
}
}
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_psJZCQCkOcQl06",
"type":"bank",
"action":"instant",
"reference":"jguyfghgyt7675hjg",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"GHS",
"destination_currency":"GHS",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_ykW6hU75cU",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"GHS",
"bank":{
"account_number":"1234567890",
"code":"25562284",
"branch":"001"
}
},
"meta":{},
"created_datetime":"2025-06-02T16:46:29.584Z"
}
}
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_Gr4gqFAiDheMvc",
"type":"bank",
"action":"instant",
"reference":"FYFTHGHGHJGhgyt57",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"INR",
"destination_currency":"INR",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_hKd3HybtHa",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"INR",
"phone":{
"country_code":"91",
"number":"9012345678"
},
"email":"[email protected]",
"address":{
"city":"Cool City",
"country":"IN",
"line1":"7A, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"state":"Super State"
},
"bank":{
"account_number":"123456789",
"code":"SBIN",
"branch":"SBIN0015615"
}
},
"sender":{
"id":"sdr_M37FKMARWj",
"national_identification":{
"type":"PASSPORT",
"identifier":"0987654321",
"expiration_date":"2028-11-25"
}
},
"meta":{
},
"created_datetime":"2025-06-02T16:53:09.632Z"
}
}
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_t8w0OGSNOdV4P5",
"type":"bank",
"action":"instant",
"reference":"GGUGTUYUHIIUIOU7",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"MWK",
"destination_currency":"MWK",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_t68rd2GfZ7",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"MWK",
"bank":{
"account_number":"123456789",
"code":"20474000",
"branch":"1812061ZP6"
}
},
"meta":{},
"created_datetime":"2025-06-02T16:59:32.628Z"
}
}
{
"status": "success",
"message": "Transfer created",
"data": {
"id": "trf_iWUfJopFYdyBmB",
"type": "bank",
"action": "instant",
"reference": "c3104347-5ebf-41bd-957c-7666df028bbe",
"status": "NEW",
"narration": "Testing transfers",
"source_currency": "USD",
"destination_currency": "NGN",
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"callback_url": "https://www.company.com/callback",
"recipient": {
"type": "bank",
"currency": "NGN",
"bank": {
"account_number": "0690000031",
"code": "044"
},
"id": "rcb_gsLlPvnOLy"
},
"meta": {},
"created_datetime": "2024-12-10T13:49:06.374991375Z"
}
}
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_NvhGENkNcnBI2t",
"type":"bank",
"action":"instant",
"reference":"ugujbuujyujgjb7889",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"USD",
"destination_currency":"USD",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_Yro1zlIF7I",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"USD",
"phone":{
"country_code":"1",
"number":"9012345678"
},
"email":"[email protected]",
"address":{
"city":"Cool City",
"country":"US",
"line1":"7A, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"state":"Super State"
},
"bank":{
"account_number":"1234567890",
"account_type":"checking",
"code":"125200057",
"routing_number":"021000021",
"swift_code":"BOFAUS3N"
}
},
"meta":{},
"created_datetime":"2025-06-02T17:07:00.549Z"
}
}
{
"status":"success",
"message":"Transfer created",
"data":{
"id":"trf_bf65ZmcvRt5tq3",
"type":"bank",
"action":"instant",
"reference":"jhgvjhgjjyyiy79hg",
"status":"NEW",
"narration":"Testing transfers",
"source_currency":"ZAR",
"destination_currency":"ZAR",
"amount":{
"value":1000,
"applies_to":"destination_currency"
},
"callback_url":"https://www.company.com/callback",
"recipient":{
"type":"bank",
"id":"rcb_mQnFh6aMOB",
"name":{
"first":"Bob",
"middle":"The",
"last":"Builder"
},
"currency":"ZAR",
"phone":{
"country_code":"27",
"number":"9012345678"
},
"email":"[email protected]",
"address":{
"city":"Cool City",
"country":"ZA",
"line1":"7A, Awesome Apartments",
"line2":"Sweet Street",
"postal_code":"123456",
"state":"Super State"
},
"bank":{
"account_number":"1234567890",
"code":"ABSA"
}
},
"meta":{},
"created_datetime":"2025-06-02T17:10:26.917Z"
}
}
Thedata.status field in the response will always return NEW upon initiating a transfer. This indicates that the transfer has been successfully initiated, but not yet completed. To determine the final status, you must verify the payout.
Verify Payout
There are three ways to verify the final status of a bank transfer:
Webhooks (Recommended)
Enable webhooks on your Flutterwave dashboard to receive automatic transfer status updates.
When the transfer completes (or fails), Flutterwave will send a POST request to your configured webhook URL with the transfer details.
{
"webhook_id": "wbk_rp0bjKyAWA52ViM8xlZ0",
"timestamp": 1739877172874,
"type": "transfer.disburse",
"data": {
"id": "trf_yMZATJ11yVPNkZ",
"type": "BANK",
"source_currency": "NGN",
"destination_currency": "NGN",
"amount": 50000,
"reference": "5748745ug8ufdgjhveyebjhcdbchb",
"status": "SUCCESSFUL",
"bank": {
"account_number": "0122333334",
"code": "044",
"branch": null,
"name": null,
"routing_number": null,
"swift_code": null
},
"fee": {
"currency": "NGN",
"value": 500
},
"debit_information": {
"currency": "NGN",
"actual_debit_amount": 50000,
"rate_used": 0.00123,
"vat": 3750
},
"payment_information": {
"proof": "504828363550713897092362940989"
},
"meta": {}
}
}
Callback
If you included a callback_url in your transfer request, Flutterwave will send a POST request to that URL once the transfer completes or fails.
This behaves similarly to webhooks but is specific to each transfer.
Query Payout Status
To manually check the status of a transfer:
- Use the
idvalue from thedata.idfield in the transfer initiation response. - Send a
GETrequest to the retrieve a transfer endpoint, passing the id as a path parameter.
This is useful for polling or verifying status in systems where webhooks or callbacks are not used.
curl --request GET \
--url 'https://api.flutterwave.cloud/developersandbox/transfers/trf_iWUfJopFYdyBmB' \
--header 'Authorization: Bearer {{YOUR_ACCESS_TOKEN}}' \
--header 'Content-Type: application/json' \
--header 'X-Trace-Id: {{YOUR_UNIQUE_TRACE_ID}}' \
--header 'X-Idempotency-Key: {{YOUR_UNIQUE_INDEMPOTENCY_KEY}}' \
You'll get a response like this:
{
"status": "success",
"message": "Transfer fetched",
"data": {
"id": "trf_iWUfJopFYdyBmB",
"type": "bank",
"action": "instant",
"reference": "c3104347-5ebf-41bd-957c-7666df028bbe",
"status": "NEW",
"narration": "Testing transfers",
"source_currency": "USD",
"destination_currency": "NGN",
"amount": {
"value": 1000,
"applies_to": "destination_currency"
},
"fee": {
"currency": "NGN",
"value": 10.0
},
"callback_url": "https://www.company.com/callback",
"recipient": {
"type": "bank",
"currency": "NGN",
"bank": {
"account_number": "0690000031",
"code": "044"
},
"id": "rcb_gsLlPvnOLy"
},
"meta": {},
"created_datetime": "2024-12-10T13:49:06.374Z"
}
}
{
"status":"failed",
"error":{
"type":"TRANSFER_NOT_FOUND",
"code":"301404",
"message":"Transfer not found",
"validation_errors":[
]
}
}
Testing Bank Transfers
Check out the testing section to learn how to simulate various transfer scenarios.
Updated 1 day ago