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POST
/
v1
/
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"
}
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.

​
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.

​
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

​
id
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
​
status
string
Example:

"PENDING"

​
direction
string
Example:

"OUTGOING"

​
destination_account
object
​
amount
object
​
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"