Initiate Entity Transfer (Banking Connectivity)

POST

banking

transfers

curl --request POST \
  --url https://api-sandbox.y.uno/v1/banking/transfers \
  --header 'Content-Type: application/json' \
  --header 'private-secret-key: <api-key>' \
  --header 'public-api-key: <api-key>' \
  --header 'x-idempotency-key: <x-idempotency-key>' \
  --data '
{
  "account_id": "550e8400-e29b-41d4-a716-446655440000",
  "source_account_id": "acct_aa0e8400-e29b-41d4-a716-446655440000",
  "destination_account_id": null,
  "direction": "OUTGOING",
  "amount": {
    "value": 1000,
    "currency": "USD"
  },
  "payment_rail": "ACH_STANDARD",
  "description": "Payment to vendor",
  "merchant_transfer_id": "merchant_txn_12345",
  "destination_account": {
    "account_number": "9876543210",
    "routing_number": "987654321",
    "iban": null,
    "bsb": null,
    "swift": null,
    "sort_code": null,
    "account_name": "Jane Smith",
    "bank_name": "Chase Bank"
  }
}
'

{
  "id": "xfer_bb0e8400-e29b-41d4-a716-446655440000",
  "source_account_id": "acct_aa0e8400-e29b-41d4-a716-446655440000",
  "destination_account_id": null,
  "account_id": "550e8400-e29b-41d4-a716-446655440000",
  "merchant_transfer_id": "merchant_txn_12345",
  "provider": {
    "account_id": "col_bank_account_789",
    "transfer_id": "col_transfer_xyz123"
  },
  "status": "PENDING",
  "direction": "OUTGOING",
  "destination_account": {
    "account_number_last_4": "3210",
    "routing_number": "987654321",
    "iban": null,
    "bsb": null,
    "swift": null,
    "sort_code": null,
    "account_name": "Jane Smith",
    "bank_name": "Chase Bank"
  },
  "amount": {
    "value": 1000,
    "currency": "USD"
  },
  "payment_rail": "ACH_STANDARD",
  "description": "Payment to vendor",
  "created_at": "2026-02-01T10:15:00Z",
  "updated_at": "2026-02-01T10:15:00Z"
}

{
  "code": "VALIDATION_ERROR",
  "messages": [
    "source_account_id is required",
    "destination_account or destination_account_id must be provided"
  ],
  "http_code": 400
}

{
  "code": "ACCOUNT_NOT_FOUND",
  "messages": [
    "Account not found"
  ],
  "http_code": 404
}

Initiate an outgoing transfer from a Banking Connectivity account. For external transfers, provide the destination_account details. For internal (book) transfers between accounts on the same provider, set destination_account_id to the target account. The required fields in destination_account depend on the region. See Payment rails and Account identifiers by region for details. The response returns 202 Accepted with a PENDING status. Monitor progress via Get Entity Transfer Status or webhook events. See Transfer statuses for the full status lifecycle.

Authorizations

public-api-key

string

header

required

private-secret-key

string

header

required

Headers

x-idempotency-key

string

required

Unique identifier used in HTTP headers to ensure that a request is processed only once, even if it is retried due to network issues or timeouts. See authentication for details (UUID).

Body

application/json

account_id

string

required

The unique identifier of the merchant's Yuno account (UUID, 36 characters).

Example:

"550e8400-e29b-41d4-a716-446655440000"

source_account_id

string

required

The id of the source Banking Connectivity account obtained from Create Account.

Example:

"acct_aa0e8400-e29b-41d4-a716-446655440000"

direction

enum<string>

required

The transfer direction.

Available options:

OUTGOING

Example:

"OUTGOING"

amount

object

required

The transfer amount. Currency must match the source account currency.

Show child attributes

payment_rail

enum<string>

required

The payment rail to use for the transfer. Available rails depend on the provider region.

Available options:

ACH_STANDARD,

ACH_SAME_DAY,

WIRE,

RTP,

FPS,

CHAPS,

BACS,

NPP,

PAYTO,

BPAY

Example:

"ACH_STANDARD"

destination_account

object

required

The external destination account details. Required fields depend on the region: US requires account_number and routing_number; UK requires iban or account_number with sort_code; Australia requires account_number with bsb.

Show child attributes

destination_account_id

string | null

The id of the destination Banking Connectivity account for internal (book) transfers. Set to null for external transfers.

Example:

null

description

string

A description for the transfer.

Example:

"Payment to vendor"

merchant_transfer_id

string

The merchant's own reference ID for reconciliation.

Example:

"merchant_txn_12345"

Response

Accepted

string

Example:

"xfer_bb0e8400-e29b-41d4-a716-446655440000"

source_account_id

string

Example:

"acct_aa0e8400-e29b-41d4-a716-446655440000"

destination_account_id

any

account_id

string

Example:

"550e8400-e29b-41d4-a716-446655440000"

merchant_transfer_id

string

Example:

"merchant_txn_12345"

provider

object

Show child attributes

status

string

Example:

"PENDING"

direction

string

Example:

"OUTGOING"

destination_account

object

Show child attributes

amount

object

Show child attributes

payment_rail

string

Example:

"ACH_STANDARD"

description

string

Example:

"Payment to vendor"

created_at

string

Example:

"2026-02-01T10:15:00Z"

updated_at

string

Example:

"2026-02-01T10:15:00Z"

Get Entity Transfer Status (Banking Connectivity)Retrieve the current status of a bank transfer initiated through an account

⌘I

curl --request POST \
  --url https://api-sandbox.y.uno/v1/banking/transfers \
  --header 'Content-Type: application/json' \
  --header 'private-secret-key: <api-key>' \
  --header 'public-api-key: <api-key>' \
  --header 'x-idempotency-key: <x-idempotency-key>' \
  --data '
{
  "account_id": "550e8400-e29b-41d4-a716-446655440000",
  "source_account_id": "acct_aa0e8400-e29b-41d4-a716-446655440000",
  "destination_account_id": null,
  "direction": "OUTGOING",
  "amount": {
    "value": 1000,
    "currency": "USD"
  },
  "payment_rail": "ACH_STANDARD",
  "description": "Payment to vendor",
  "merchant_transfer_id": "merchant_txn_12345",
  "destination_account": {
    "account_number": "9876543210",
    "routing_number": "987654321",
    "iban": null,
    "bsb": null,
    "swift": null,
    "sort_code": null,
    "account_name": "Jane Smith",
    "bank_name": "Chase Bank"
  }
}
'

{
  "id": "xfer_bb0e8400-e29b-41d4-a716-446655440000",
  "source_account_id": "acct_aa0e8400-e29b-41d4-a716-446655440000",
  "destination_account_id": null,
  "account_id": "550e8400-e29b-41d4-a716-446655440000",
  "merchant_transfer_id": "merchant_txn_12345",
  "provider": {
    "account_id": "col_bank_account_789",
    "transfer_id": "col_transfer_xyz123"
  },
  "status": "PENDING",
  "direction": "OUTGOING",
  "destination_account": {
    "account_number_last_4": "3210",
    "routing_number": "987654321",
    "iban": null,
    "bsb": null,
    "swift": null,
    "sort_code": null,
    "account_name": "Jane Smith",
    "bank_name": "Chase Bank"
  },
  "amount": {
    "value": 1000,
    "currency": "USD"
  },
  "payment_rail": "ACH_STANDARD",
  "description": "Payment to vendor",
  "created_at": "2026-02-01T10:15:00Z",
  "updated_at": "2026-02-01T10:15:00Z"
}

{
  "code": "VALIDATION_ERROR",
  "messages": [
    "source_account_id is required",
    "destination_account or destination_account_id must be provided"
  ],
  "http_code": 400
}

{
  "code": "ACCOUNT_NOT_FOUND",
  "messages": [
    "Account not found"
  ],
  "http_code": 404
}

Getting Started

Reference

Customers

Network Tokens

Customer Sessions (Enrollment)

Checkout Sessions

Payment Methods (Checkout)

Checkout Builder

Payment Methods (Direct Workflow)

PCI Proxy

Payments

Pre-Debit Notifications

3DS2 Setup

Unreferenced Refunds

Dry-run

Payment Links

Recipients for Marketplace

Sellers (Franchise)

Subscriptions

Payouts

Organizations

Reports

Installments

AI Caller

Communications Campaigns

Conversion Rate

Banking Connectivity

Webhooks

Initiate Entity Transfer (Banking Connectivity)

Authorizations

Headers

Body

Response