> For the complete documentation index, see [llms.txt](https://developer.providusbank.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developer.providusbank.com/xpress-wallet-api/merchant/transfer/customer-bank-transfer.md).

# Customer Bank Transfer

Initiate a bank transfer from a customer account.

* **Endpoint**: `POST {{base-url}}/transfer/bank/customer`
* **Headers**:

  ```json
  {
    "Authorization": "Bearer {{vault:authorization-secret}}",
    "X-Access-Token": "{{access-token}}",
    "X-Refresh-Token": "{{refresh-token}}"
  }
  ```
* **Body**:

  ```json
  {
    "amount": 150,
    "sortCode": "110005",
    "narration": "Just kidding",
    "accountNumber": "5400403011",
    "accountName": "Obagunwa Emmanuel",
    "customerId": "66f5a260-9462-4d36-ade1-beccd57e52bd",
    "metadata": {"customer-data": "some customer details"}
  }
  ```
* **Response**:
  * **200 OK**:

    ```json
    {
      "status": true,
      "message": "Transaction successfully completed.",
      "transfer": {
        "amount": 1,
        "charges": 10.5,
        "vat": 0.7875,
        "reference": "AFYF1zFVJgwtV5YQ1wMjH7tmaQnNz6S8BqAQ",
        "total": 12.2875,
        "metadata": {"customer-data": "some customer details"},
        "sessionId": "694183772508885572057985059318",
        "destination": "0167421242/000013",
        "transactionReference": "9533043993045314",
        "description": "Transfer of NGN 1 to Obagunwa Emmanuel (0167421242/GTBANK PLC)"
      }
    }
    ```
* **Sample Code (Dart)**:

  ```dart
  var headers = {
    'X-Access-Token': '{{access-token}}',
    'X-Refresh-Token': '{{refresh-token}}'
  };
  var request = http.Request('POST', Uri.parse('{{base-url}}/transfer/bank/customer'));
  request.body = '''{
    "amount": 1,
    "sortCode": "000013",
    "narration": "Just kidding",
    "accountNumber": "0167421242",
    "accountName": "Obagunwa Emmanuel",
    "customerId": "aa4e9eea-d7a5-4ac2-a211-dc6d59b0c050",
    "metadata": {"customer-data": "some customer details"}
  }''';
  request.headers.addAll(headers);
  http.StreamedResponse response = await request.send();
  if (response.statusCode == 200) {
    print(await response.stream.bytesToString());
  } else {
    print(response.reasonPhrase);
  }
  ```