Transfer Funds to Bank

Allows customers to transfer funds from their loan wallet to a bank account.

POST /api/v1/services/user/transfer-funds-to-bank

cURL POST

[https://finlend.fincode.software/api/v1/services/user/transfer-funds-to-bank](https://finlend.fincode.software/api/v1/services/user/transfer-funds-to-bank)

200

{
  "status": "<string>",
  "data": {
    "transactionReference": "<string>",
    "transferId": "<string>",
    "amount": 123,
    "status": "<string>",
    "transferDate": "<string>",
    "estimatedSettlementTime": "<string>"
  }
}

Customers can use this endpoint to transfer funds from their loan wallet balance to a registered bank account.

cURL POST

[https://finlend.fincode.software/api/v1/services/user/transfer-funds-to-bank](https://finlend.fincode.software/api/v1/services/user/transfer-funds-to-bank)

Request Headers

X-Auth-Token · string · required

The JWT Access Token obtained from the /login or /refresh-token endpoint.

x-idempotency-key · string · required

Unique idempotency key for the request to prevent duplicate processing.

x-fapi-auth-date · string · required

The date and time at which the request was initiated (ISO 8601 format).

x-fapi-customer-ip-address · string · required

The IP address of the customer making the request.

x-fapi-interaction-id · string · required

Unique identifier for the interaction/session.

Content-Type · string · default: "application/json" · required

Must be application/json.

Request Body

customerId · string · required

The unique identifier (UUID) of the customer making the transfer.

amount · number · required

Amount to transfer from wallet to bank account.

bankAccountId · string · required

The unique identifier (UUID) of the bank account to transfer funds to.

accountNumber · string · required

Bank account number to transfer to.

bankCode · string · required

Bank code of the destination bank.

accountName · string · required

Account holder name as it appears on the bank account.

transactionPin · string

Transaction PIN for authorization (if required).

description · string

Optional description or reference for the transfer.

Response

Returns confirmation of the fund transfer with transaction details.

status · string · default: "SUCCESS"

Overall status of the API request.

data · object

Transfer confirmation details.

Show data object

transactionReference · string

Unique reference number for the transfer transaction.

transferId · string

Unique identifier for the transfer.

amount · number

Amount transferred.

status · string

Status of the transfer (e.g., PENDING, PROCESSING, COMPLETED, FAILED).

transferDate · string

Date and time when the transfer was initiated.

estimatedSettlementTime · string

Estimated time for the transfer to be completed.

Code Examples

cURL

curl --location --request POST 'https://finlend.fincode.software/api/v1/services/user/transfer-funds-to-bank' \
--header 'X-Auth-Token: YOUR_JWT_ACCESS_TOKEN' \
--header 'x-idempotency-key: unique-key-12345' \
--header 'x-fapi-auth-date: 2024-01-15T10:30:00Z' \
--header 'x-fapi-customer-ip-address: 192.168.1.1' \
--header 'x-fapi-interaction-id: interaction-12345' \
--header 'Content-Type: application/json' \
--data '{
    "customerId": "123e4567-e89b-12d3-a456-426614174000",
    "amount": 10000.00,
    "bankAccountId": "123e4567-e89b-12d3-a456-426614174000",
    "accountNumber": "1234567890",
    "bankCode": "058",
    "accountName": "John Doe",
    "transactionPin": "1234",
    "description": "Transfer to savings account"
}'