Create a SEPA transfer

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 '
{
  "vop_proof_token": "proof_1234567890abcdef",
  "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,
    "status": "pending",
    "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "reference": "Lease payment",
    "note": "Lease payment for offices in Paris",
    "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"
  }
}

Transfers

Create a SEPA transfer

OAuth scope: payment.write

This operation requires Strong Customer Authentication unless the beneficiary is trusted.

Example of SCA usage: Postman visual flow

Creates a new SEPA 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).

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

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 👇

Untrusted beneficiary

The transfer is above 5,000 EUR;
More than 20,000 EUR have been sent to this beneficairy within 24 hours.

Trusted beneficiary

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.

4-eyes / payment policy: if the organization has a 4-eyes policy configured and the transfer crosses the threshold, this endpoint returns 400 with code: payment_policy_approval_required or code: payment_policy_approver_missing. In that case, resubmit the same transfer via Create transfer request — the request will go through the organization’s approval workflow before the transfer is executed.

POST

sepa

transfers

Create a SEPA transfer

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 '
{
  "vop_proof_token": "proof_1234567890abcdef",
  "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,
    "status": "pending",
    "beneficiary_id": "3c90c3cc-0d44-4b50-8888-8dd25736052a",
    "reference": "Lease payment",
    "note": "Lease payment for offices in Paris",
    "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-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"

transfer

object

required

Show child attributes

Response

SEPA transfer created successfully

transfer

object

required

Show child attributes

Get SEPA transfer Cancel SEPA transfer

⌘I

Documentation Index

Authorizations

Headers

Body

Response