> 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/merchant-bank-transfer.md).

# Merchant bank transfer

Initiate a bank transfer from a merchant account.

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

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

  ```json
  {
    "amount": 220,
    "sortCode": "000023",
    "narration": "Just kidding",
    "accountNumber": "1700263070",
    "accountName": "Obagunwa Emmanuel",
    "metadata": {"customer-data": "some customer details"}
  }
  ```
* **Response**:
  * **200 OK**:

    ```json
    {
      "status": true,
      "message": "Transaction successfully completed.",
      "transfer": {
        "amount": 100,
        "charges": 10.5,
        "vat": 0.7875,
        "reference": "Lf9PAUXREbIyUM2tKU1nGJP2W3vxpLV5s18R",
        "total": 111.2875,
        "metadata": {"customer-data": "some customer details"},
        "sessionId": "965755343713226737061061390325",
        "destination": "0167421242/000013",
        "transactionReference": "0496626196169490",
        "description": "Transfer of NGN 100 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'));
  request.body = '''{
    "amount": 100,
    "sortCode": "000013",
    "narration": "Just kidding",
    "accountNumber": "0167421242",
    "accountName": "Obagunwa Emmanuel",
    "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);
  }
  ```