> ## Documentation Index > Fetch the complete documentation index at: https://docs.y.uno/llms.txt > Use this file to discover all available pages before exploring further. # Initiate Entity Transfer (Banking Connectivity) 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](/reference/banking-connectivity#payment-rails) and [Account identifiers by region](/reference/banking-connectivity#account-identifiers-by-region) for details. The response returns `202 Accepted` with a `PENDING` status. Monitor progress via [Get Entity Transfer Status](/reference/get-entity-transfer-status) or webhook events. See [Transfer statuses](/reference/banking-connectivity#transfer-statuses) for the full status lifecycle. ## OpenAPI ````yaml openapi/banking-connectivity/entity-transfers-banking-connectivity/initiate-entity-transfer.json POST /banking/transfers openapi: 3.0.0 info: version: 1.0.0 title: Banking Connectivity servers: - url: https://api-sandbox.y.uno/v1 security: - public-api-key: [] private-secret-key: [] paths: /banking/transfers: post: tags: - Entity Transfers (Banking Connectivity) summary: Initiate Entity Transfer (Banking Connectivity) operationId: post_v1-banking-connectivity-transfers parameters: - in: header name: x-idempotency-key schema: type: string description: >- 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](/reference/authentication#idempotency) for details (UUID). required: true requestBody: content: application/json: schema: type: object required: - account_id - source_account_id - direction - amount - payment_rail - destination_account properties: account_id: type: string description: >- The unique identifier of the merchant's Yuno account (UUID, 36 characters). example: 550e8400-e29b-41d4-a716-446655440000 source_account_id: type: string description: >- The `id` of the source Banking Connectivity account obtained from [Create Account](/reference/create-account-banking). example: acct_aa0e8400-e29b-41d4-a716-446655440000 destination_account_id: type: string nullable: true description: >- The `id` of the destination Banking Connectivity account for internal (book) transfers. Set to `null` for external transfers. example: null direction: type: string description: The transfer direction. enum: - OUTGOING example: OUTGOING amount: type: object description: >- The transfer amount. Currency must match the source account currency. required: - value - currency properties: value: type: number description: >- The transfer amount (up to 4 decimal places, max 9,999,999,999). example: 1000 currency: type: string description: >- The currency ([ISO 4217](https://en.wikipedia.org/wiki/ISO_4217)). Must match the source account currency. example: USD payment_rail: type: string description: >- The payment rail to use for the transfer. Available rails depend on the provider region. enum: - ACH_STANDARD - ACH_SAME_DAY - WIRE - RTP - FPS - CHAPS - BACS - NPP - PAYTO - BPAY example: ACH_STANDARD description: type: string description: A description for the transfer. example: Payment to vendor merchant_transfer_id: type: string description: The merchant's own reference ID for reconciliation. example: merchant_txn_12345 destination_account: type: object description: >- 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`. properties: account_number: type: string description: The destination bank account number. example: '9876543210' routing_number: type: string nullable: true description: The US routing number. Required for US destinations. example: '987654321' iban: type: string nullable: true description: The IBAN. Required for UK and SEPA destinations. example: null bsb: type: string nullable: true description: >- The Australian BSB number. Required for Australian destinations. example: null swift: type: string nullable: true description: >- The SWIFT/BIC code. Required for international and SEPA transfers. example: null sort_code: type: string nullable: true description: The UK sort code. Required for UK destinations. example: null account_name: type: string description: The destination account holder name. example: Jane Smith bank_name: type: string description: The destination bank name. example: Chase Bank examples: Outgoing Transfer: summary: Outgoing Transfer value: 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 Book Transfer (Internal): summary: Book Transfer (Internal) value: account_id: 550e8400-e29b-41d4-a716-446655440000 source_account_id: acct_aa0e8400-e29b-41d4-a716-446655440000 destination_account_id: acct_bb0e8400-e29b-41d4-a716-446655440000 direction: OUTGOING amount: value: 500 currency: USD payment_rail: ACH_STANDARD description: Internal transfer between accounts merchant_transfer_id: merchant_book_67890 destination_account: account_number: '1122334455' routing_number: '123456789' iban: null bsb: null swift: null sort_code: null account_name: Jane Smith - Savings bank_name: Column responses: '202': content: application/json: schema: type: object properties: id: type: string example: xfer_bb0e8400-e29b-41d4-a716-446655440000 source_account_id: type: string example: acct_aa0e8400-e29b-41d4-a716-446655440000 destination_account_id: {} account_id: type: string example: 550e8400-e29b-41d4-a716-446655440000 merchant_transfer_id: type: string example: merchant_txn_12345 provider: type: object properties: account_id: type: string example: col_bank_account_789 transfer_id: type: string example: col_transfer_xyz123 status: type: string example: PENDING direction: type: string example: OUTGOING destination_account: type: object properties: account_number_last_4: type: string example: '3210' routing_number: type: string example: '987654321' iban: {} bsb: {} swift: {} sort_code: {} account_name: type: string example: Jane Smith bank_name: type: string example: Chase Bank amount: type: object properties: value: type: integer example: 1000 default: 0 currency: type: string example: USD payment_rail: type: string example: ACH_STANDARD description: type: string example: Payment to vendor created_at: type: string example: '2026-02-01T10:15:00Z' updated_at: type: string example: '2026-02-01T10:15:00Z' examples: Accepted (Outgoing): summary: Accepted (Outgoing) value: 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' description: Accepted '400': content: application/json: schema: type: object properties: code: type: string example: VALIDATION_ERROR messages: type: array items: type: string example: source_account_id is required http_code: type: integer example: 400 default: 0 examples: Bad Request: summary: Bad Request value: code: VALIDATION_ERROR messages: - source_account_id is required - >- destination_account or destination_account_id must be provided http_code: 400 description: Bad Request '404': content: application/json: schema: type: object properties: code: type: string example: ACCOUNT_NOT_FOUND messages: type: array items: type: string example: Account not found http_code: type: integer example: 404 default: 0 examples: Not Found: summary: Not Found value: code: ACCOUNT_NOT_FOUND messages: - Account not found http_code: 404 description: Not Found components: securitySchemes: public-api-key: type: apiKey in: header name: public-api-key private-secret-key: type: apiKey in: header name: private-secret-key ````