Create Transfer

POST /api/v1/transfers - Send money to a bank account

POST /api/v1/transfers

Create Transfer

cURL

curl --request POST \
  --url https://api.usezentra.com/api/v1/transfers \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "amount_minor": 123,
  "recipient_account": "<string>",
  "recipient_bank_code": "<string>",
  "narration": "<string>",
  "reference": "<string>",
  "currency": "<string>",
  "metadata": {}
}
'

import requests

url = "https://api.usezentra.com/api/v1/transfers"

payload = {
    "amount_minor": 123,
    "recipient_account": "<string>",
    "recipient_bank_code": "<string>",
    "narration": "<string>",
    "reference": "<string>",
    "currency": "<string>",
    "metadata": {}
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    amount_minor: 123,
    recipient_account: '<string>',
    recipient_bank_code: '<string>',
    narration: '<string>',
    reference: '<string>',
    currency: '<string>',
    metadata: {}
  })
};

fetch('https://api.usezentra.com/api/v1/transfers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.usezentra.com/api/v1/transfers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'amount_minor' => 123,
    'recipient_account' => '<string>',
    'recipient_bank_code' => '<string>',
    'narration' => '<string>',
    'reference' => '<string>',
    'currency' => '<string>',
    'metadata' => [
        
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.usezentra.com/api/v1/transfers"

	payload := strings.NewReader("{\n  \"amount_minor\": 123,\n  \"recipient_account\": \"<string>\",\n  \"recipient_bank_code\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"currency\": \"<string>\",\n  \"metadata\": {}\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.usezentra.com/api/v1/transfers")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"amount_minor\": 123,\n  \"recipient_account\": \"<string>\",\n  \"recipient_bank_code\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"currency\": \"<string>\",\n  \"metadata\": {}\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.usezentra.com/api/v1/transfers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"amount_minor\": 123,\n  \"recipient_account\": \"<string>\",\n  \"recipient_bank_code\": \"<string>\",\n  \"narration\": \"<string>\",\n  \"reference\": \"<string>\",\n  \"currency\": \"<string>\",\n  \"metadata\": {}\n}"

response = http.request(request)
puts response.read_body

Insufficient Balance

{
  "success": false,
  "error": {
    "code": "insufficient_balance",
    "message": "Wallet balance insufficient",
    "status": 422,
    "details": {
      "required": 50050,
      "available": 30000
    }
  }
}

{
  "success": false,
  "error": {
    "code": "invalid_account",
    "message": "Recipient account not found",
    "status": 422
  }
}

{
  "success": false,
  "error": {
    "code": "limit_exceeded",
    "message": "Daily transfer limit exceeded",
    "status": 422,
    "details": {
      "limit": 1000000,
      "used": 950000
    }
  }
}

Initiate a money transfer to any Nigerian bank account.

Endpoint

POST /api/v1/transfers

Request Body

amount_minor · number · required

Amount in kobo (e.g., 10000 = ₦100.00)

recipient_account · string · required

Recipient account number (10 digits)

recipient_bank_code · string · required

Recipient bank code (e.g., 058 for GTBank)

narration · string · required

Transfer description (max 100 characters)

reference · string

Unique reference for this transfer (auto-generated if not provided)

currency · string · default: "NGN"

Currency code (currently only NGN supported)

metadata · object

Additional data to store with the transfer

Response

id · string

Unique transfer ID

amount_minor · number

Transfer amount in kobo

fee_minor · number

Transaction fee in kobo

total_minor · number

Total amount debited (amount + fee)

recipient_account · string

Recipient account number

recipient_name · string

Recipient account name

recipient_bank · string

Recipient bank name

status · string

Transfer status (pending, processing, completed, failed)

reference · string

Unique reference

narration · string

Transfer description

session_id · string

Provider session ID

created_at · string

ISO 8601 timestamp

Example Request

JavaScript

const transfer = await client.transfers.create({
  amountMinor: 50000, // ₦500.00
  recipient_account: '0123456789',
  recipient_bank_code: '058',
  narration: 'Payment for services',
  reference: 'TRF_' + Date.now(),
  metadata: {
    customer_id: 'cus_123',
    invoice_id: 'INV_456'
  }
});

console.log(`Transfer ID: ${transfer.id}`);
console.log(`Status: ${transfer.status}`);

transfer = client.transfers.create(
    amount_minor=50000,  # ₦500.00
    recipient_account='0123456789',
    recipient_bank_code='058',
    narration='Payment for services',
    reference=f'TRF_{int(time.time())}',
    metadata={
        'customer_id': 'cus_123',
        'invoice_id': 'INV_456'
    }
)

print(f"Transfer ID: {transfer.id}")
print(f"Status: {transfer.status}")

$transfer = $client->transfers->create([
    'amount_minor' => 50000, // ₦500.00
    'recipient_account' => '0123456789',
    'recipient_bank_code' => '058',
    'narration' => 'Payment for services',
    'reference' => 'TRF_' . time(),
    'metadata' => [
        'customer_id' => 'cus_123',
        'invoice_id' => 'INV_456'
    ]
]);

echo "Transfer ID: {$transfer->id}\n";
echo "Status: {$transfer->status}";

curl -X POST https://api.usezentra.com/api/v1/transfers \
  -H "Authorization: Bearer YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount_minor": 50000,
    "recipient_account": "0123456789",
    "recipient_bank_code": "058",
    "narration": "Payment for services",
    "reference": "TRF_1234567890",
    "metadata": {
      "customer_id": "cus_123",
      "invoice_id": "INV_456"
    }
  }'

Example Response

{
  "success": true,
  "data": {
    "id": "trn_abc123xyz",
    "amount_minor": 50000,
    "fee_minor": 50,
    "total_minor": 50050,
    "recipient_account": "0123456789",
    "recipient_name": "John Doe",
    "recipient_bank": "Guaranty Trust Bank",
    "recipient_bank_code": "058",
    "status": "pending",
    "reference": "TRF_1234567890",
    "narration": "Payment for services",
    "session_id": "SES_xyz789",
    "currency": "NGN",
    "metadata": {
      "customer_id": "cus_123",
      "invoice_id": "INV_456"
    },
    "created_at": "2024-01-15T10:30:00Z"
  }
}

Transfer Fees

Amount Range	Fee
₦0 - ₦5,000	₦10
₦5,001 - ₦50,000	₦25
Above ₦50,000	₦50

Fees are automatically deducted from your wallet balance.

Processing Time

• Instant: Most transfers complete within seconds
• Same Day: Some banks may take up to 24 hours
• Webhook: You’ll receive a webhook when the transfer completes

Error Responses

Insufficient Balance

{
  "success": false,
  "error": {
    "code": "insufficient_balance",
    "message": "Wallet balance insufficient",
    "status": 422,
    "details": {
      "required": 50050,
      "available": 30000
    }
  }
}

{
  "success": false,
  "error": {
    "code": "invalid_account",
    "message": "Recipient account not found",
    "status": 422
  }
}

{
  "success": false,
  "error": {
    "code": "limit_exceeded",
    "message": "Daily transfer limit exceeded",
    "status": 422,
    "details": {
      "limit": 1000000,
      "used": 950000
    }
  }
}

Idempotency

Use the reference parameter to prevent duplicate transfers:

// This will only create one transfer, even if called multiple times
const transfer = await client.transfers.create({
  amountMinor: 50000,
  destinationAccountNumber: '0123456789',
  destinationBankCode: '058',
  narration: 'Payment',
  reference: 'UNIQUE_REF_123' // Use same reference
});

Next Steps

Get Transfer

Check transfer status

List Transfers

View all transfers

Resolve Account

Verify account before sending

Webhooks

Handle transfer events