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POST
/
api
/
v1
/
bila
/
transfers
/
bank-account
Initiate bank transfer
curl --request POST \
  --url https://api.example.com/api/v1/bila/transfers/bank-account \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '
{
  "accountId": "68f11209-451f-4a15-bfcd-d916eb8b09f4",
  "amount": 1000,
  "reference": "transfer-001",
  "narration": "Payment for services",
  "transferRecipientId": "68f11209-451f-4a15-bfcd-d916eb8b09f4",
  "accountNumber": "1234567890",
  "bankId": "bank-001",
  "country": "zm",
  "walletId": "68f11209-451f-4a15-bfcd-d916eb8b09f4",
  "recipientName": "Jane Doe"
}
'
{
  "status": true,
  "message": "Operation completed successfully",
  "data": {}
}

Authorizations

​
x-api-key
string
header
required

Merchant API key (e.g., sk_live_xxx or sk_test_xxx)

Body

application/json
​
accountId
string<uuid>
required

Source account UUID

Example:

"68f11209-451f-4a15-bfcd-d916eb8b09f4"

​
amount
number
required

Transfer amount

Required range: x >= 0.01
Example:

1000

​
reference
string
required

Unique client reference (alphanumeric, dots, underscores, hyphens)

Example:

"transfer-001"

​
narration
string

Transfer narration

Maximum string length: 100
Example:

"Payment for services"

​
transferRecipientId
string<uuid>

Transfer recipient UUID (use this OR accountNumber+bankId)

Example:

"68f11209-451f-4a15-bfcd-d916eb8b09f4"

​
accountNumber
string

Bank account number (required if no transferRecipientId)

Example:

"1234567890"

​
bankId
string

Bank ID (required if no transferRecipientId)

Example:

"bank-001"

​
country
enum<string>

Country code

Available options:
zm,
ng
Example:

"zm"

​
walletId
string

Source wallet ID to debit (optional, uses main wallet if not specified)

Example:

"68f11209-451f-4a15-bfcd-d916eb8b09f4"

​
recipientName
string

Recipient name for the transaction record

Maximum string length: 100
Example:

"Jane Doe"

Response

Transfer initiated successfully

​
status
boolean
required

Request success status

Example:

true

​
message
string
required

Response message

Example:

"Operation completed successfully"

​
data
object

Response data