Create an external transfer for a trusted beneficiary

OAuth scope: payment.write

This endpoint will be sunsetted on March 31, 2026. For SEPA transfers, please use the Create a SEPA Transfer endpoint instead. The new endpoint works for both trusted and untrusted beneficiaries.

Creates a single external transfer for a given trusted beneficiary, without any user interaction required.

The beneficiary must be trusted for the transfer to be created. The beneficiary can only be trusted through the Qonto app (for more details, please refer to this article).

By default, the transfer will be processed as instant. If instant processing isn’t possible, it will automatically fall back to standard processing. It will be the case if the amount of the transfer is above the following thresholds:

• The transfer is above 10,000 EUR;
• More than 50,000 EUR have been sent to this beneficairy within 24 hours.

To learn more about instant transfers, please read this article.

POST /v2/external_transfers

Create an external transfer for a trusted beneficiary

cURL

curl --request POST \
  --url https://thirdparty.qonto.com/v2/external_transfers \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Qonto-Idempotency-Key: <x-qonto-idempotency-key>' \
  --data '
{
  "vop_proof_token": "proof_1234567890abcdef",
  "external_transfer": {
    "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "debit_iban": "<string>",
    "reference": "<string>",
    "currency": "<string>",
    "amount": "<string>",
    "note": "<string>",
    "scheduled_date": "2021-07-12",
    "attachment_ids": [
      "3c90c3cc-0d44-4b50-8888-8dd25736052a"
    ]
  }
}
'

200

Example

{ "external_transfer": { "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a", "slug": "<string>", "debit_iban": "<string>", "debit_amount": "12.55", "debit_amount_cents": "1255", "debit_currency": "EUR", "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a", "initiator_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a", "credit_amount": "<string>", "credit_amount_cents": "<string>", "credit_currency": "<string>", "reference": "<string>", "status": "pending", "scheduled_date": "2021-07-12", "created_at": "2021-01-27T22:05:07.000Z", "rate_applied": "<string>", "payment_purpose": "goods", "note": "<string>", "declined_reason": "beneficiary_bic_invalid", "completed_at": "2021-01-27T22:05:07.000Z", "processed_at": "2021-01-27T22:05:07.000Z", "transaction_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a" } }

Authorizations

Authorization · string · header · required

Bearer authorization header: Bearer <token>, where <token> is the access token received from the authorization server at the end of the OAuth 2.0 flow.

Headers

X-Qonto-Idempotency-Key · string · required

Learn more in Idempotent Requests.

Example:

"123e4567-e89b-12d3-a456-426614174000"

X-Qonto-Staging-Token · string

Required only for Sandbox API requests; to get one, please sign up to the Developer Portal.

Body

application/json

vop_proof_token · string · required

Proof token from a payee verification attempt or skip verification request. Use the token from verify payee.

Example:

"proof_1234567890abcdef"

external_transfer · object · required

Show child attributes

Response

200

application/json

Returns the external transfer created.

external_transfer · object · required

Show child attributes