POST
/
v2
/
sepa
/
transfers
curl --request POST \
  --url https://thirdparty.qonto.com/v2/sepa/transfers \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Qonto-Idempotency-Key: <x-qonto-idempotency-key>' \
  --data '{
  "transfer": {
    "beneficiary_id": "66b7e300-0126-4905-9688-27b445a48c4e",
    "bank_account_id": "420e13ac-9d3e-4c11-93a1-0c3c8304f2df",
    "reference": "Lease payment",
    "amount": "1100.50",
    "note": "Lease payment for offices in Paris",
    "attachment_ids": [
      "394f77f1-0d2c-46fb-8a7e-a959dbdeee63"
    ],
    "scheduled_date": "2026-01-11"
  }
}'
{
  "transfer": {
    "id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "initiator_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "bank_account_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "amount": 1100.5,
    "amount_cents": 110050,
    "amount_currency": "EUR",
    "status": "pending",
    "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "reference": "Lease payment",
    "note": "Lease payment for offices in Paris",
    "declined_reason": "beneficiary_bic_invalid",
    "scheduled_date": "2023-12-25",
    "created_at": "2025-04-22T12:00:00Z",
    "updated_at": "2025-04-22T12:00:00Z",
    "processed_at": "2025-04-22T12:00:00Z",
    "completed_at": "2025-04-22T12:00:00Z",
    "transaction_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "recurring_transfer_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-Staging-Token
string

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

​
X-Qonto-2fa-Preference
enum<string>
default:paired-device

Learn more in Strong Customer Authentication.

Available options:
paired-device,
passkey,
mock,
sms-otp
​
X-Qonto-Idempotency-Key
string
required

Learn more in Idempotent Requests.

Example:

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

​
X-Qonto-Sca-Session-Token
string

Learn more in Strong Customer Authentication.

​
X-Qonto-MFA
string

Learn more in the SMS OTP Flow.

Body

application/json

Response

200
application/json

SEPA transfer created successfully

The response is of type object.