Create a SEPA recurring transfer

curl --request POST \
  --url https://thirdparty.qonto.com/v2/sepa/recurring_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",
  "recurring_transfer": {
    "beneficiary_id": "66b7e300-0126-4905-9688-27b445a48c4e",
    "bank_account_id": "420e13ac-9d3e-4c11-93a1-0c3c8304f2df",
    "reference": "Lease payment",
    "amount": "1100.50",
    "frequency": "monthly",
    "first_execution_date": "2025-04-22",
    "last_execution_date": "2026-08-21",
    "note": "Lease payment for offices in Paris",
    "attachment_ids": [
      "394f77f1-0d2c-46fb-8a7e-a959dbdeee63"
    ]
  }
}
'

{
  "recurring_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",
    "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "reference": "Lease payment",
    "note": "Lease payment for offices in Paris",
    "first_execution_date": "2025-04-22",
    "last_execution_date": "2026-08-21",
    "next_execution_date": "2025-05-22",
    "frequency": "weekly",
    "created_at": "2025-04-22T12:00:00Z",
    "updated_at": "2025-04-22T12:00:00Z",
    "status": "<string>"
  }
}

Recurring Transfers

Create a SEPA recurring transfer

OAuth scope: payment.write

This operation requires Strong Customer Authentication.

Example of SCA usage: Postman visual flow

Creates a new SEPA recurring transfer for a beneficiary. You can either provide a beneficiary_id for a known beneficiary or beneficiary data which will create an untrusted beneficiary on the fly.

Note:

if a beneficiary with the same IBAN already exists, the provided details (such as name) will be updated;
this endpoint is not trusting the beneficiary - you can trust a beneficiary through the Qonto app (for more details, please refer to this article) or through this endpoint (available for Embed partners only).

The subsequent transfer will be executed according to the specified frequency between the first and last execution dates. If no last execution date is provided the transfer will be executed indefinitely.

For recurring transfers above 30,000 EUR, at least one attachment is required.

POST

sepa

recurring_transfers

Create a SEPA recurring transfer

curl --request POST \
  --url https://thirdparty.qonto.com/v2/sepa/recurring_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",
  "recurring_transfer": {
    "beneficiary_id": "66b7e300-0126-4905-9688-27b445a48c4e",
    "bank_account_id": "420e13ac-9d3e-4c11-93a1-0c3c8304f2df",
    "reference": "Lease payment",
    "amount": "1100.50",
    "frequency": "monthly",
    "first_execution_date": "2025-04-22",
    "last_execution_date": "2026-08-21",
    "note": "Lease payment for offices in Paris",
    "attachment_ids": [
      "394f77f1-0d2c-46fb-8a7e-a959dbdeee63"
    ]
  }
}
'

{
  "recurring_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",
    "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "reference": "Lease payment",
    "note": "Lease payment for offices in Paris",
    "first_execution_date": "2025-04-22",
    "last_execution_date": "2026-08-21",
    "next_execution_date": "2025-05-22",
    "frequency": "weekly",
    "created_at": "2025-04-22T12:00:00Z",
    "updated_at": "2025-04-22T12:00:00Z",
    "status": "<string>"
  }
}

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

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.

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"

recurring_transfer

object

required

Show child attributes

recurring_transfer.bank_account_id

string

required

ID of the bank account to debit from

recurring_transfer.reference

string

required

Payment reference (max 140 characters)

Maximum string length: 140

recurring_transfer.amount

string

required

Amount in EUR with up to 2 decimal places

recurring_transfer.frequency

enum<string>

required

Frequency of the recurring transfer

Available options:

weekly,

monthly,

quarterly,

half_yearly,

yearly

recurring_transfer.first_execution_date

string<date>

required

First execution date (must be in the future)

recurring_transfer.beneficiary_id

string<uuid> | null

The ID of the SEPA beneficiary

recurring_transfer.beneficiary

object

Show child attributes

recurring_transfer.beneficiary.name

string

required

The name of the beneficiary

Example:

"Alice In Wonderland"

recurring_transfer.beneficiary.iban

string

required

The IBAN of the beneficiary

Example:

"DE91100000000123456789"

recurring_transfer.beneficiary.bic

string

The BIC of the beneficiary

Example:

"DEUTDEDDXXX"

recurring_transfer.beneficiary.email

string

The email of the beneficiary

Example:

"[email protected]"

recurring_transfer.beneficiary.activity_tag

enum<string> | null

Available options:

atm,

fallback,

fees,

finance,

food_and_grocery,

gas_station,

hardware_and_equipment,

hotel_and_lodging,

insurance,

it_and_electronics,

legal_and_accounting,

logistics,

manufacturing,

marketing,

office_rental,

office_supply,

online_service,

other_expense,

other_income,

other_service,

pending,

refund,

restaurant_and_bar,

sales,

salary,

subscription,

tax,

transport,

treasury_and_interco,

utility,

voucher

recurring_transfer.last_execution_date

string<date>

Last execution date (must be in the future and after first_execution_date)

recurring_transfer.note

string

Optional note (max 140 characters)

Maximum string length: 140

recurring_transfer.attachment_ids

string[]

Array of attachment IDs (max 5)

Maximum array length: 5

Response

SEPA recurring transfer created successfully

recurring_transfer

object

required

Show child attributes

recurring_transfer.id

string<uuid>

required

recurring_transfer.initiator_id

string<uuid>

required

ID of the membership that initiated the transfer

recurring_transfer.bank_account_id

string<uuid>

required

ID of the bank account to debit from

recurring_transfer.amount

number<float>

required

Example:

1100.5

recurring_transfer.amount_cents

integer

required

Example:

110050

recurring_transfer.amount_currency

enum<string>

required

Available options:

EUR

recurring_transfer.beneficiary_id

string<uuid>

required

recurring_transfer.reference

string

required

Example:

"Lease payment"

recurring_transfer.note

string

required

Example:

"Lease payment for offices in Paris"

recurring_transfer.first_execution_date

string<date>

required

Example:

"2025-04-22"

recurring_transfer.last_execution_date

string<date>

required

Example:

"2026-08-21"

recurring_transfer.next_execution_date

string<date>

required

Example:

"2025-05-22"

recurring_transfer.frequency

enum<string>

required

Available options:

weekly,

monthly,

quarterly,

half_yearly,

yearly

recurring_transfer.created_at

string<date-time>

required

Example:

"2025-04-22T12:00:00Z"

recurring_transfer.updated_at

string<date-time>

required

Example:

"2025-04-22T12:00:00Z"

recurring_transfer.status

string

Get SEPA recurring transfer Cancel SEPA recurring transfer

⌘I

Business API

Onboarding API

Create a SEPA recurring transfer

Authorizations

Headers

Body

Response