> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usebila.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallet-to-Wallet Transfers

> Move funds between your Main Wallet and Sub-Wallets instantly - for free.

Wallet-to-wallet transfers move funds between your **Main Wallet** and any **Sub-Wallet** instantly, at no cost.

<Info>
  These are internal transfers - no mobile money or bank details are needed.
</Info>

***

## Prerequisites

Before you begin, make sure you have:

* Admin access to your Bila dashboard
* Sufficient available balance in the source wallet
* At least one active Sub-Wallet on your account

***

## Understanding Your Wallet Structure

Bila gives every merchant one **Main Wallet** and the ability to create multiple **Sub-Wallets** for segregating funds.

<Frame>
  <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%201%20light.png" alt="Wallet structure overview - light mode" />

  <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%201.png" alt="Wallet structure overview - dark mode" />
</Frame>

| Wallet Type     | What It Is                                                                          |
| --------------- | ----------------------------------------------------------------------------------- |
| **Main Wallet** | Your primary wallet. All incoming payments land here by default.                    |
| **Sub-Wallet**  | A segregated fund bucket you create and name, e.g. `Development Work`, `Petty Cash` |

***

## Transfer Directions

| Direction                | How to Initiate                                                          |
| ------------------------ | ------------------------------------------------------------------------ |
| Main Wallet → Sub-Wallet | Click **Transfer** on the Main Wallet card                               |
| Sub-Wallet → Main Wallet | Click **Transfer** on the Sub-Wallet card                                |
| Sub-Wallet → Sub-Wallet  | Click **Transfer** on the source Sub-Wallet, then select the destination |

***

## Steps

<Steps>
  <Step title="Open the Wallets Dashboard">
    Click **Wallets** in the left sidebar.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%206%20light.png" alt="Wallets dashboard - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%206.png" alt="Wallets dashboard - dark mode" />
    </Frame>
  </Step>

  <Step title="Initiate the Transfer">
    **From the Main Wallet:** Click the **Transfer** button on the Main Wallet card.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%202%20light.png" alt="Main Wallet transfer button - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%202.png" alt="Main Wallet transfer button - dark mode" />
    </Frame>

    **From a Sub-Wallet:** Scroll to the Sub-Wallets grid and click **Transfer** on the source wallet.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%203%20light.png" alt="Sub-Wallet grid - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%203.png" alt="Sub-Wallet grid - dark mode" />
    </Frame>
  </Step>

  <Step title="Fill in the Transfer Details">
    The **Transfer Funds** panel opens on the right.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%207%20light.png" alt="Transfer Funds panel - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%207.png" alt="Transfer Funds panel - dark mode" />
    </Frame>

    | Field            | What to Enter                       |
    | ---------------- | ----------------------------------- |
    | **From Wallet**  | Pre-filled - verify this is correct |
    | **To Wallet**    | Select the destination wallet       |
    | **Amount (ZMW)** | The amount to transfer              |

    <Warning>
      The amount cannot exceed the source wallet's **Available Balance**. Funds on **Hold** are not transferable.
    </Warning>
  </Step>

  <Step title="Confirm the Transfer">
    Click **Transfer Funds**.

    **Confirmation:** A green toast notification confirms the transfer was successful.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%205%20light.png" alt="Transfer confirmation - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%205.png" alt="Transfer confirmation - dark mode" />
    </Frame>
  </Step>

  <Step title="Verify the Destination Wallet">
    Scroll to the Sub-Wallets grid to confirm the funds arrived.

    <Frame>
      <img className="block dark:hidden" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%204%20light.png" alt="Verify destination wallet - light mode" />

      <img className="hidden dark:block" src="https://mintlify.s3.us-west-1.amazonaws.com/bila/images/wallet-wallet/wallet%204.png" alt="Verify destination wallet - dark mode" />
    </Frame>
  </Step>
</Steps>

***

## Rules and Limits

| Rule                | Detail                                                    |
| ------------------- | --------------------------------------------------------- |
| **Fees**            | None - wallet-to-wallet transfers are free                |
| **Processing time** | Instant                                                   |
| **Minimum amount**  | ZMW 1.00                                                  |
| **Maximum amount**  | Limited to the source wallet's available balance          |
| **Reversibility**   | Cannot be reversed - initiate a return transfer if needed |
| **Currency**        | ZMW only                                                  |

***

## Troubleshooting

| Issue                              | What to Do                                                    |
| ---------------------------------- | ------------------------------------------------------------- |
| Transfer button is greyed out      | Confirm the source wallet has a balance greater than ZMW 0.00 |
| Amount exceeds available balance   | Reduce the amount to match the available balance              |
| Destination balance did not update | Refresh the Wallets page                                      |
| Transfer made to the wrong wallet  | Initiate a new transfer in the reverse direction              |

***

## Next Steps

<CardGroup cols={2}>
  <Card title="Mobile Money Payouts" icon="mobile" href="/docs/guide/transfers/mobile-money-payouts">
    Send funds to an MTN, Airtel, or Zamtel mobile money account.
  </Card>

  <Card title="Bank Payouts" icon="building-columns" href="/docs/guide/transfers/bank-payouts">
    Send funds directly to any Zambian commercial bank account.
  </Card>
</CardGroup>