Create a SEPA Transfer

Testing Env

https://stage-api.fintegence.io

POST

/v1/sepa-transfer

This endpoint initiates a SEPA withdrawal from the user balance to one of the user's verified IBANs.

Security: Withdrawals are strictly limited to APPROVED IBANs belonging to the user.

Beneficiary Data: The system automatically applies the verified name and IBAN linked to the bank account. You do not need to provide the recipient name in the request body.

Asynchronous: The transfer is scheduled for processing once the request is accepted. You receive a transferId to track the progress.

Asynchronous Processing

Business logic errors such as insufficient funds are not checked immediately.
The API accepts the request and schedules it for processing. Verify the final outcome via Get User Transfer Details.

Request

Authorization

API Key

Add parameter in header

x-api-key

Example:

x-api-key: ********************

Body Params application/json

Examples

Responses

🟢201Success

application/json

Bodyapplication/json

🟠400P403: Validation error

🟠404P412: User not exist

🟠401Access Denied

🟠400P500: Unknown exception

🟠400P501: Service temporarily unavailable

Request Example

Shell

JavaScript

Java

Swift

curl --location 'https://stage-api.fintegence.io/v1/sepa-transfer' \
--header 'x-api-key: <api-key>' \
--header 'Content-Type: application/json' \
--data '{
  "externalUserId": "ae6e4e8a-f46b-4c17-8e16-ea35f92966f3",
  "amount": "8.6",
  "destinationIban": "PL71114020046185740277147352",
  "currency": "eur",
  "transferTitle": "test"
}'

Response Example

201 - Success

{
    "transferId": "a6ccc5bb-c4e0-40e7-90f9-06c8945dafe3"
}

GET SEPA Deposit Contact List

Get SEPA Transfer Details