> ## Documentation Index
> Fetch the complete documentation index at: https://docs.interstellas.stellas.africa/llms.txt
> Use this file to discover all available pages before exploring further.

# Virtual account transfer

> Transfer funds from a virtual account to another bank account.

## Endpoint

```
POST /clients/business/virtual-accounts/transfer
```

## Headers

<ParamField header="Authorization" type="string" required>
  `Bearer YOUR_ACCESS_TOKEN`
</ParamField>

<ParamField header="SECRET_KEY" type="string" required>
  Your API secret key.
</ParamField>

<ParamField header="businessId" type="string" required>
  Your business ID.
</ParamField>

## Request body

<ParamField body="amount" type="integer" required>
  Amount to transfer, in **kobo**. For example, `110000` equals ₦1,100.
</ParamField>

<ParamField body="payerAccountNumber" type="string" required>
  The virtual account number to debit (the source of funds).
</ParamField>

<ParamField body="receiverAccountNumber" type="string" required>
  The destination bank account number to credit.
</ParamField>

<ParamField body="receiverBankCode" type="string" required>
  The bank code of the receiving bank. Use the billers list from [Get billers](/api-reference/settings/billers) to look up codes.
</ParamField>

<ParamField body="retrievalReference" type="string" required>
  A unique reference you generate for this transaction. Used for idempotency and reconciliation.
</ParamField>

<ParamField body="narration" type="string" required>
  A description of the transfer, visible to both parties.
</ParamField>

## Response

<ResponseField name="status" type="boolean">
  `true` on success.
</ResponseField>

<ResponseField name="message" type="string">
  Confirmation message, e.g. `"Transfer successful"`.
</ResponseField>

<ResponseField name="data.amount" type="string">
  Amount transferred, in kobo.
</ResponseField>

<ResponseField name="data.transactionCharge" type="string">
  Fee charged for the transfer, in kobo.
</ResponseField>

<ResponseField name="data.totalAmount" type="string">
  Total amount debited from the payer account (amount + charge), in kobo.
</ResponseField>

## Code examples

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST https://sandbox.stellasbank.com/api/v1/clients/business/virtual-accounts/transfer \
    -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
    -H "SECRET_KEY: YOUR_SECRET_KEY" \
    -H "businessId: YOUR_BUSINESS_ID" \
    -H "Content-Type: application/json" \
    -d '{
      "amount": 110000,
      "payerAccountNumber": "9012345678",
      "receiverAccountNumber": "0123456789",
      "receiverBankCode": "044",
      "retrievalReference": "txn_ref_001",
      "narration": "Payment for services"
    }'
  ```

  ```js Node.js theme={null}
  const res = await fetch(
    "https://sandbox.stellasbank.com/api/v1/clients/business/virtual-accounts/transfer",
    {
      method: "POST",
      headers: {
        Authorization: "Bearer YOUR_ACCESS_TOKEN",
        SECRET_KEY: "YOUR_SECRET_KEY",
        businessId: "YOUR_BUSINESS_ID",
        "Content-Type": "application/json",
      },
      body: JSON.stringify({
        amount: 110000,
        payerAccountNumber: "9012345678",
        receiverAccountNumber: "0123456789",
        receiverBankCode: "044",
        retrievalReference: "txn_ref_001",
        narration: "Payment for services",
      }),
    }
  );
  const { data } = await res.json();
  ```

  ```python Python theme={null}
  import requests

  res = requests.post(
      "https://sandbox.stellasbank.com/api/v1/clients/business/virtual-accounts/transfer",
      headers={
          "Authorization": "Bearer YOUR_ACCESS_TOKEN",
          "SECRET_KEY": "YOUR_SECRET_KEY",
          "businessId": "YOUR_BUSINESS_ID",
      },
      json={
          "amount": 110000,
          "payerAccountNumber": "9012345678",
          "receiverAccountNumber": "0123456789",
          "receiverBankCode": "044",
          "retrievalReference": "txn_ref_001",
          "narration": "Payment for services",
      },
  )
  print(res.json())
  ```
</CodeGroup>

## Example response

```json theme={null}
{
  "status": true,
  "message": "Transfer successful",
  "data": {
    "amount": "110000",
    "transactionCharge": "10000",
    "totalAmount": "120000"
  }
}
```

<Info>
  All amounts are in **kobo**. Divide by 100 to convert to naira.
</Info>