# Outward Transfer

This endpoint allows users to initiate outward transfers to external accounts or institutions. It facilitates the transfer of funds from the customer's account to external accounts or institutions.\
\ <mark style="color:green;">`POST`</mark> `/api/transfer/v1/outwardtransfer`\
\
You need to provide the necessary parameters, such as `beneficiaryAccountName`, `originatorAccountName`, `amount`, and other required information to successfully initiate an outward transfer.

**Headers**

| Name                                            | Value                |
| ----------------------------------------------- | -------------------- |
| Content-Type<mark style="color:red;">\*</mark>  | `application/json`   |
| Authorization<mark style="color:red;">\*</mark> | `Bearer <token>`     |
| Request-Reference                               | `{unique-reference}` |

**Body**

<table><thead><tr><th width="167">Name</th><th width="172">Data Type (length)</th><th width="102" data-type="checkbox">Required</th><th>Description</th></tr></thead><tbody><tr><td><code>nameEnquiryRef</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(150)</em></a></td><td>false</td><td>The reference code from a name enquiry</td></tr><tr><td><code>amount</code></td><td>integer</td><td>true</td><td>The amount to be transferred in kobo<br><br><em><mark style="color:orange;">The amount must be provided in the base currency, e.g. NGN 5000.50 should be provided as 500050 kobo</mark></em></td></tr><tr><td><code>fee</code></td><td>integer <em>(nullible)</em></td><td>false</td><td>The fee associated with the transfer.  Any passed fee will override the existing configured fee by the institution within the CBA <br><br>Pass the fee as <code>0</code> if you do not want to charge a fee. The fee is also charged in Kobo</td></tr><tr><td><code>beneficiaryAccountName</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(150)</em></a></td><td>true</td><td>The account name of the transfer's beneficiary</td></tr><tr><td><code>beneficiaryAccountNumber</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(10)</em></a></td><td>true</td><td>The account number of the transfer's beneficiary on Udara360 to credit</td></tr><tr><td><code>beneficiaryBankName</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(150)</em></a></td><td>true</td><td>The bank name of the transfer's beneficiary</td></tr><tr><td><code>beneficiaryBankVerificationNumber</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(11)</em></a></td><td>false</td><td>The BVN of the transfer's beneficiary</td></tr><tr><td><code>beneficiaryKycLevel</code></td><td>integer</td><td>false</td><td>The KYC level of the transfer's beneficiary</td></tr><tr><td><code>originatorAccountName</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(150)</em></a></td><td>true</td><td>The name of the account initiating the transfer</td></tr><tr><td><code>originatorAccountNumber</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(10)</em></a></td><td>true</td><td>The account number initiating the transfer</td></tr><tr><td><code>originatorBankVerificationNumber</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(11)</em></a></td><td>false</td><td>The BVN of the account initiating the transfer</td></tr><tr><td><code>originatorKycLevel</code></td><td>integer</td><td>false</td><td>The KYC level of the originator</td></tr><tr><td><code>destinationInstitutionCode</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(6)</em></a></td><td>true</td><td>The bank code of the destination institution</td></tr><tr><td><code>originatorNarration</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(5-40)</em></a></td><td>true</td><td>The narration from the originator for the transfer</td></tr><tr><td><code>paymentReference</code></td><td>string</td><td>true</td><td>The name enquiry reference for the transfer</td></tr><tr><td><code>transactionLocation</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(150)</em></a></td><td>false</td><td>The location of the transaction</td></tr><tr><td><code>beneficiaryNarration</code></td><td>string <a data-footnote-ref href="#user-content-fn-1"><em>(5-40)</em></a></td><td>true</td><td>The narration for the beneficiary</td></tr></tbody></table>

Here is an example request and response with a sample payload sent to the endpoint in Curl format.

<details>

<summary>Sample Request</summary>

```json
curl --location -g '{{baseurl}}/api/transfer/v1/outwardtransfer' \
--header 'Authorization: bearer {token}' \
--header 'request-reference: {unique_reference}' \
--header 'Content-Type: application/json' \
--data '{
  "amount": 0,
  "fee": 0,
  "beneficiaryAccountName": "string",
  "beneficiaryAccountNumber": "string",
  "beneficiaryBankName": "string",
  "beneficiaryBankVerificationNumber": "string",
  "beneficiaryKycLevel": 0,
  "originatorAccountName": "string",
  "originatorAccountNumber": "string",
  "originatorBankVerificationNumber": "string",
  "originatorKycLevel": 0,
  "destinationInstitutionCode": "string",
  "nameEnquiryRef": "string",
  "originatorNarration": "string",
  "paymentReference": "string",
  "transactionLocation": "string",
  "beneficiaryNarration": "string"
}'
```

</details>

<details>

<summary>Respose: <code>200</code></summary>

```json
{
  "status": true,
  "message": "string",
  "data": {
    "statusCode": "string",
    "referenceNumber": "string",
    "instrumentNumber": "string",
    "sessionID": "string"
  }
}
```

</details>

[^1]: This is the maximum number of characters allowed.


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