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": "aa0e8400-e29b-41d4-a716-446655440000",
  "transfer_type": "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",
    "account_name": "Jane Smith",
    "bank_name": "Chase Bank"
  }
}
'

{
  "id": "bb0e8400-e29b-41d4-a716-446655440000",
  "source_account_id": "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",
  "transfer_type": "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": "INVALID_PARAMETERS",
  "messages": [
    "The field 'transfer_type' is required."
  ],
  "http_code": 400
}

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

Initiate a transfer from a Banking Connectivity account. transfer_type is required: OUTGOING for external transfers (provide the destination_account bank details), BOOK for internal transfers between accounts on the same provider (set destination_account.account_id to the target account) and INCOMING for inbound transfers. 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 (UUID, 36 characters).

Example:

"aa0e8400-e29b-41d4-a716-446655440000"

transfer_type

enum<string>

required

The transfer type. OUTGOING sends funds to an external account (set destination_account with the bank details). BOOK moves funds to another Banking Connectivity account (set destination_account.account_id). INCOMING is an inbound transfer.

Available options:

OUTGOING,

BOOK,

INCOMING

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. Use BOOK with transfer_type: BOOK. Available rails depend on the provider region.

Available options:

ACH_STANDARD,

ACH_SAME_DAY,

WIRE,

RTP,

BOOK,

PUSH_TO_CARD

Example:

"ACH_STANDARD"

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"

destination_account

object

The destination. For OUTGOING transfers, send the external bank 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. For BOOK transfers, send only account_id with the id of the target Banking Connectivity account.

Show child attributes

Response

Accepted

string

Example:

"bb0e8400-e29b-41d4-a716-446655440000"

source_account_id

string

Example:

"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"

transfer_type

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"

⌘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": "aa0e8400-e29b-41d4-a716-446655440000",
  "transfer_type": "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",
    "account_name": "Jane Smith",
    "bank_name": "Chase Bank"
  }
}
'

{
  "id": "bb0e8400-e29b-41d4-a716-446655440000",
  "source_account_id": "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",
  "transfer_type": "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": "INVALID_PARAMETERS",
  "messages": [
    "The field 'transfer_type' is required."
  ],
  "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

Transaction Reporting

Routing Recommendations

Payment Links

Recipients for Marketplace

Sellers (Franchise)

Subscriptions Plans

Subscriptions

Payouts

Organizations

Reports

Installments

AI Caller

Communications Campaigns

Conversion Rate

FX Rates

Banking Connectivity

Webhooks

Initiate Entity Transfer (Banking Connectivity)

Authorizations

Headers

Body

Response