Create an international transfer

curl --request POST \
  --url https://thirdparty.qonto.com/v2/international/transfers \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Qonto-Idempotency-Key: <x-qonto-idempotency-key>' \
  --data '
{
  "beneficiary_id": "0196edb0-9b6e-7554-9864-d111285a0a44",
  "quote_id": "0196edb0-9b6e-7554-9864-d111285a0a43",
  "target_account_id": "123456",
  "details": {
    "reference": "Payment for invoice #123"
  },
  "source_amount": {
    "currency": "EUR",
    "value": "100.00"
  },
  "target_amount": {
    "currency": "EUR",
    "value": "100.00"
  },
  "bank_account_id": "0196edb0-9b6e-7554-9864-d111285a0a42",
  "attachment_ids": [
    "0196edb0-9b6e-7554-9864-d111285a0a40"
  ]
}
'

import requests

url = "https://thirdparty.qonto.com/v2/international/transfers"

payload = {
    "beneficiary_id": "0196edb0-9b6e-7554-9864-d111285a0a44",
    "quote_id": "0196edb0-9b6e-7554-9864-d111285a0a43",
    "target_account_id": "123456",
    "details": { "reference": "Payment for invoice #123" },
    "source_amount": {
        "currency": "EUR",
        "value": "100.00"
    },
    "target_amount": {
        "currency": "EUR",
        "value": "100.00"
    },
    "bank_account_id": "0196edb0-9b6e-7554-9864-d111285a0a42",
    "attachment_ids": ["0196edb0-9b6e-7554-9864-d111285a0a40"]
}
headers = {
    "X-Qonto-Idempotency-Key": "<x-qonto-idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-Qonto-Idempotency-Key': '<x-qonto-idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    beneficiary_id: '0196edb0-9b6e-7554-9864-d111285a0a44',
    quote_id: '0196edb0-9b6e-7554-9864-d111285a0a43',
    target_account_id: '123456',
    details: {reference: 'Payment for invoice #123'},
    source_amount: {currency: 'EUR', value: '100.00'},
    target_amount: {currency: 'EUR', value: '100.00'},
    bank_account_id: '0196edb0-9b6e-7554-9864-d111285a0a42',
    attachment_ids: ['0196edb0-9b6e-7554-9864-d111285a0a40']
  })
};

fetch('https://thirdparty.qonto.com/v2/international/transfers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://thirdparty.qonto.com/v2/international/transfers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'beneficiary_id' => '0196edb0-9b6e-7554-9864-d111285a0a44',
    'quote_id' => '0196edb0-9b6e-7554-9864-d111285a0a43',
    'target_account_id' => '123456',
    'details' => [
        'reference' => 'Payment for invoice #123'
    ],
    'source_amount' => [
        'currency' => 'EUR',
        'value' => '100.00'
    ],
    'target_amount' => [
        'currency' => 'EUR',
        'value' => '100.00'
    ],
    'bank_account_id' => '0196edb0-9b6e-7554-9864-d111285a0a42',
    'attachment_ids' => [
        '0196edb0-9b6e-7554-9864-d111285a0a40'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "X-Qonto-Idempotency-Key: <x-qonto-idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://thirdparty.qonto.com/v2/international/transfers"

	payload := strings.NewReader("{\n  \"beneficiary_id\": \"0196edb0-9b6e-7554-9864-d111285a0a44\",\n  \"quote_id\": \"0196edb0-9b6e-7554-9864-d111285a0a43\",\n  \"target_account_id\": \"123456\",\n  \"details\": {\n    \"reference\": \"Payment for invoice #123\"\n  },\n  \"source_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"target_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"bank_account_id\": \"0196edb0-9b6e-7554-9864-d111285a0a42\",\n  \"attachment_ids\": [\n    \"0196edb0-9b6e-7554-9864-d111285a0a40\"\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Qonto-Idempotency-Key", "<x-qonto-idempotency-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://thirdparty.qonto.com/v2/international/transfers")
  .header("X-Qonto-Idempotency-Key", "<x-qonto-idempotency-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"beneficiary_id\": \"0196edb0-9b6e-7554-9864-d111285a0a44\",\n  \"quote_id\": \"0196edb0-9b6e-7554-9864-d111285a0a43\",\n  \"target_account_id\": \"123456\",\n  \"details\": {\n    \"reference\": \"Payment for invoice #123\"\n  },\n  \"source_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"target_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"bank_account_id\": \"0196edb0-9b6e-7554-9864-d111285a0a42\",\n  \"attachment_ids\": [\n    \"0196edb0-9b6e-7554-9864-d111285a0a40\"\n  ]\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://thirdparty.qonto.com/v2/international/transfers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Qonto-Idempotency-Key"] = '<x-qonto-idempotency-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"beneficiary_id\": \"0196edb0-9b6e-7554-9864-d111285a0a44\",\n  \"quote_id\": \"0196edb0-9b6e-7554-9864-d111285a0a43\",\n  \"target_account_id\": \"123456\",\n  \"details\": {\n    \"reference\": \"Payment for invoice #123\"\n  },\n  \"source_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"target_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"bank_account_id\": \"0196edb0-9b6e-7554-9864-d111285a0a42\",\n  \"attachment_ids\": [\n    \"0196edb0-9b6e-7554-9864-d111285a0a40\"\n  ]\n}"

response = http.request(request)
puts response.read_body

{
  "transfer": {
    "id": "0d6273cf-e4d0-469a-a3c8-d2196143470c",
    "beneficiary_id": "0196edb0-9b6e-7554-9864-d111285a0a44",
    "bank_account_id": "0196edb0-9b6e-7554-9864-d111285a0a42",
    "source_amount": {
      "currency": "EUR",
      "value": "100.00"
    },
    "target_amount": {
      "currency": "USD",
      "value": "110.00"
    },
    "status": "TRANSACTION_STATUS_PROCESSING"
  }
}

Transfers

Create an international transfer

OAuth scope: international_transfer.write

Creates a new international transfer.

Example of SCA usage: Postman visual flow

This endpoint is still in beta. Please get in touch with our team if you have any question or feedback: here.

4-eyes / payment policy: if the organization has a Transfer Authorization (4-eyes) policy configured and the transfer amount — including Qonto fees — crosses the threshold, this endpoint returns 400 with code: payment_policy_approval_required or code: payment_policy_approver_missing, and the transfer is not created. In that case, resubmit the same transfer via the Qonto app — a new International Transfer Request will be created and will go through the organization’s approval workflow before the transfer is executed.

POST

international

transfers

Create an international transfer

curl --request POST \
  --url https://thirdparty.qonto.com/v2/international/transfers \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'X-Qonto-Idempotency-Key: <x-qonto-idempotency-key>' \
  --data '
{
  "beneficiary_id": "0196edb0-9b6e-7554-9864-d111285a0a44",
  "quote_id": "0196edb0-9b6e-7554-9864-d111285a0a43",
  "target_account_id": "123456",
  "details": {
    "reference": "Payment for invoice #123"
  },
  "source_amount": {
    "currency": "EUR",
    "value": "100.00"
  },
  "target_amount": {
    "currency": "EUR",
    "value": "100.00"
  },
  "bank_account_id": "0196edb0-9b6e-7554-9864-d111285a0a42",
  "attachment_ids": [
    "0196edb0-9b6e-7554-9864-d111285a0a40"
  ]
}
'

import requests

url = "https://thirdparty.qonto.com/v2/international/transfers"

payload = {
    "beneficiary_id": "0196edb0-9b6e-7554-9864-d111285a0a44",
    "quote_id": "0196edb0-9b6e-7554-9864-d111285a0a43",
    "target_account_id": "123456",
    "details": { "reference": "Payment for invoice #123" },
    "source_amount": {
        "currency": "EUR",
        "value": "100.00"
    },
    "target_amount": {
        "currency": "EUR",
        "value": "100.00"
    },
    "bank_account_id": "0196edb0-9b6e-7554-9864-d111285a0a42",
    "attachment_ids": ["0196edb0-9b6e-7554-9864-d111285a0a40"]
}
headers = {
    "X-Qonto-Idempotency-Key": "<x-qonto-idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'X-Qonto-Idempotency-Key': '<x-qonto-idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    beneficiary_id: '0196edb0-9b6e-7554-9864-d111285a0a44',
    quote_id: '0196edb0-9b6e-7554-9864-d111285a0a43',
    target_account_id: '123456',
    details: {reference: 'Payment for invoice #123'},
    source_amount: {currency: 'EUR', value: '100.00'},
    target_amount: {currency: 'EUR', value: '100.00'},
    bank_account_id: '0196edb0-9b6e-7554-9864-d111285a0a42',
    attachment_ids: ['0196edb0-9b6e-7554-9864-d111285a0a40']
  })
};

fetch('https://thirdparty.qonto.com/v2/international/transfers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://thirdparty.qonto.com/v2/international/transfers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'beneficiary_id' => '0196edb0-9b6e-7554-9864-d111285a0a44',
    'quote_id' => '0196edb0-9b6e-7554-9864-d111285a0a43',
    'target_account_id' => '123456',
    'details' => [
        'reference' => 'Payment for invoice #123'
    ],
    'source_amount' => [
        'currency' => 'EUR',
        'value' => '100.00'
    ],
    'target_amount' => [
        'currency' => 'EUR',
        'value' => '100.00'
    ],
    'bank_account_id' => '0196edb0-9b6e-7554-9864-d111285a0a42',
    'attachment_ids' => [
        '0196edb0-9b6e-7554-9864-d111285a0a40'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "X-Qonto-Idempotency-Key: <x-qonto-idempotency-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://thirdparty.qonto.com/v2/international/transfers"

	payload := strings.NewReader("{\n  \"beneficiary_id\": \"0196edb0-9b6e-7554-9864-d111285a0a44\",\n  \"quote_id\": \"0196edb0-9b6e-7554-9864-d111285a0a43\",\n  \"target_account_id\": \"123456\",\n  \"details\": {\n    \"reference\": \"Payment for invoice #123\"\n  },\n  \"source_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"target_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"bank_account_id\": \"0196edb0-9b6e-7554-9864-d111285a0a42\",\n  \"attachment_ids\": [\n    \"0196edb0-9b6e-7554-9864-d111285a0a40\"\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("X-Qonto-Idempotency-Key", "<x-qonto-idempotency-key>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://thirdparty.qonto.com/v2/international/transfers")
  .header("X-Qonto-Idempotency-Key", "<x-qonto-idempotency-key>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"beneficiary_id\": \"0196edb0-9b6e-7554-9864-d111285a0a44\",\n  \"quote_id\": \"0196edb0-9b6e-7554-9864-d111285a0a43\",\n  \"target_account_id\": \"123456\",\n  \"details\": {\n    \"reference\": \"Payment for invoice #123\"\n  },\n  \"source_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"target_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"bank_account_id\": \"0196edb0-9b6e-7554-9864-d111285a0a42\",\n  \"attachment_ids\": [\n    \"0196edb0-9b6e-7554-9864-d111285a0a40\"\n  ]\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://thirdparty.qonto.com/v2/international/transfers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["X-Qonto-Idempotency-Key"] = '<x-qonto-idempotency-key>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"beneficiary_id\": \"0196edb0-9b6e-7554-9864-d111285a0a44\",\n  \"quote_id\": \"0196edb0-9b6e-7554-9864-d111285a0a43\",\n  \"target_account_id\": \"123456\",\n  \"details\": {\n    \"reference\": \"Payment for invoice #123\"\n  },\n  \"source_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"target_amount\": {\n    \"currency\": \"EUR\",\n    \"value\": \"100.00\"\n  },\n  \"bank_account_id\": \"0196edb0-9b6e-7554-9864-d111285a0a42\",\n  \"attachment_ids\": [\n    \"0196edb0-9b6e-7554-9864-d111285a0a40\"\n  ]\n}"

response = http.request(request)
puts response.read_body

{
  "transfer": {
    "id": "0d6273cf-e4d0-469a-a3c8-d2196143470c",
    "beneficiary_id": "0196edb0-9b6e-7554-9864-d111285a0a44",
    "bank_account_id": "0196edb0-9b6e-7554-9864-d111285a0a42",
    "source_amount": {
      "currency": "EUR",
      "value": "100.00"
    },
    "target_amount": {
      "currency": "USD",
      "value": "110.00"
    },
    "status": "TRANSACTION_STATUS_PROCESSING"
  }
}

The details object for this endpoint is the same as the one used in the List Transfer requirements endpoint.

Quotes are only valid for a limited time, so it’s recommended to proceed with the transfer promptly after obtaining one. If the quote expires, the transfer will be created with a new generated quote; please note that the exchange rate and fees may differ.

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-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<uuid>

required

This endpoint requires an UUID as idempotency key. 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.

X-Qonto-Staging-Token

string

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

Body

application/json

beneficiary_id

string<uuid>

required

The beneficiary unique identifier

Example:

"0196edb0-9b6e-7554-9864-d111285a0a44"

quote_id

string<uuid>

required

The quote unique identifier

Example:

"0196edb0-9b6e-7554-9864-d111285a0a43"

target_account_id

string

required

The target account unique identifier. Retrieved after the beneficiary is created or updated

Example:

"123456"

details

object

required

Transfer detail contains all the information needed to create a transfer. The data is dynamic and should be retrieved through the transfer requirements endpoint.

Example:

{ "reference": "Payment for invoice #123" }

source_amount

object

required

Show child attributes

target_amount

object

required

Show child attributes

bank_account_id

string<uuid>

The bank account unique identifier

Example:

"0196edb0-9b6e-7554-9864-d111285a0a42"

attachment_ids

string<uuid>[]

List of attachment IDs associated with the transaction

Example:

["0196edb0-9b6e-7554-9864-d111285a0a40"]

Response

Returns the created international transfer.

transfer

object

Show child attributes

List international transfer requirements Accepting in-person payments with terminals

⌘I

Business API

Onboarding API

Create an international transfer

Authorizations

Headers

Body

Response