Create an external transfer for a trusted beneficiary

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"
    ]
  }
}
'

{
  "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"
  }
}

External Transfers (deprecated)

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

external_transfers

Create an external transfer for a trusted beneficiary

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"
    ]
  }
}
'

{
  "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

external_transfer.beneficiary_id

string<uuid>

required

id of the trusted beneficiary.

external_transfer.debit_iban

string

required

IBAN of account to debit.

external_transfer.reference

string

required

Can be used to enter transfer details to further describe the transfer. Maximum reference length is 99 characters.

external_transfer.currency

string

required

Allowed values is only EUR at the moment.

external_transfer.amount

string

required

Corresponds to the amount of the transaction in the currency of the bank account. Amounts must be https://www.w3.org/TR/payment-request/#dfn-valid-decimal-monetary-value.

external_transfer.note

string

external_transfer.scheduled_date

string

default:Current date or next banking day

The transfer will be executed on the scheduled_date (YYYY-MM-DD) at midnight (GMT).

Example:

"2021-07-12"

external_transfer.attachment_ids

string<uuid>[]

You can link up to 5 attachments per transfer by passing the attachment_ids parameter. You can upload your attachments using our POST /v2/attachments endpoint. Note: For SEPA transfers above 30,000 EUR at least one attachment is required

Response

Returns the external transfer created.

external_transfer

object

required

Show child attributes

external_transfer.id

string<uuid>

required

this is a description

external_transfer.slug

string

required

external_transfer.debit_iban

string

required

Can be any of the organization's bank accounts. IBAN formatted ISO 13616.

external_transfer.debit_amount

string

required

The amount that will be debited from your Qonto account.

Example:

"12.55"

external_transfer.debit_amount_cents

string

required

The amount that will be debited from you Qonto account in an integer format.

Example:

"1255"

external_transfer.debit_currency

string

required

Must be EUR. ISO 4217 formatted.

Example:

"EUR"

external_transfer.beneficiary_id

string<uuid>

required

external_transfer.initiator_id

string<uuid>

required

ID of the membership that initiated the external transfer.
When the external transfer is initiated through the API, the initiator is the authenticated membership.

external_transfer.credit_amount

string

required

The amount that the beneficiary will receive.

external_transfer.credit_amount_cents

string

required

The amount that the beneficiary will receive in an integer format.

external_transfer.credit_currency

string

required

Equals debit currency if issued in the SEPA network (only supported currencies). ISO 4217 format. Allowed value for international transfers: AUD, CAD, CHF, CNY, CZK, DKK, GBP, HKD, HRK, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, USD.

external_transfer.reference

string

required

external_transfer.status

string

required

Can contain the following values:

pending: External transfer is created and has not been processed yet. If transfer is not processed within next minute, it means either execution date may not been reached yet or we are running some compliance checks on this transfer.
processing: External transfer processing means account balance is debited and a transaction has been created. Processing status can last up to multiple hours until transfer is sent in the network to the beneficiary.
canceled: When the external transfer is canceled by a user in the interface. This is a permanent status.
declined: When the external transfer is declined by the screening service, fraud service or, once sent on the network, for many various reasons which are listed in those guidelines. This is a permanent status.
settled: When the external transfer is sent to the network, transfer is settled. This is a permanent status.

Example:

"pending"

external_transfer.scheduled_date

string

required

YYYY-MM-DD, indicates when the external transfer was scheduled to be sent by Qonto.

Example:

"2021-07-12"

external_transfer.created_at

string

required

UTC, the time at which the external transfer was first recorded

Example:

"2021-01-27T22:05:07.000Z"

external_transfer.rate_applied

string

Foreign exchange rate applied to your transaction, formatted with 4 digits after comma. Ex: 1,1082

external_transfer.payment_purpose

string

Compulsory for all swift networks

Example:

"goods"

external_transfer.note

string

140 characters max

external_transfer.declined_reason

string

Populated only when transfer status is declined. Possible values: beneficiary_bic_invalid beneficiary_iban_invalid beneficiary_status beneficiary_network_rules_error organisation_compliance_reasons debit_account_insufficient_funds qonto_processing_failed

Example:

"beneficiary_bic_invalid"

external_transfer.completed_at

string

UTC, when the external transfer is in its final state, either settled or declined.

Example:

"2021-01-27T22:05:07.000Z"

external_transfer.processed_at

string

UTC, when the external transfer has been started to be processed by Qonto.

Example:

"2021-01-27T22:05:07.000Z"

external_transfer.transaction_id

string<uuid>

List external transfers Create external transfers with beneficiaries data

⌘I

Business API

Onboarding API

Create an external transfer for a trusted beneficiary

Authorizations

Headers

Body

Response