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
/
v2
/
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
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
Learn more in Strong Customer Authentication.
Available options:
paired-device, passkey, mock, sms-otp This endpoint requires an UUID as idempotency key. Learn more in Idempotent Requests.
Example:
"123e4567-e89b-12d3-a456-426614174000"
Learn more in Strong Customer Authentication.
Learn more in the SMS OTP Flow.
Required only for Sandbox API requests; to get one, please sign up to the Developer Portal.
Body
application/json
The beneficiary unique identifier
Example:
"0196edb0-9b6e-7554-9864-d111285a0a44"
The quote unique identifier
Example:
"0196edb0-9b6e-7554-9864-d111285a0a43"
The target account unique identifier. Retrieved after the beneficiary is created or updated
Example:
"123456"
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" }
Show child attributes
Show child attributes
Show child attributes
Show child attributes
The bank account unique identifier
Example:
"0196edb0-9b6e-7554-9864-d111285a0a42"
List of attachment IDs associated with the transaction
Example:
["0196edb0-9b6e-7554-9864-d111285a0a40"]
Response
Returns the created international transfer.
Show child attributes
Show child attributes
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