# Initiate a SEPA transfer

**POST /v1/transfers**

This endpoint allows you to initiate a SEPA transfer from your account.


## Servers
- Production: https://api.memo.bank (Production)
- Sandbox: https://api.sandbox.memo.bank (Sandbox)


## Authentication methods
- Jwt


## Parameters



### Body: application/json (object)

- **amount** (integer(int64))
  Amount of the transfer, in cents.
- **currency** (string)
  Currency of the amount, in ISO 4217 format.
- **beneficiary_name** (string)
  Name of the beneficiary. Will be used to create the beneficiary if one doesn't already exist with the same `beneficiary_iban`, will be ignored otherwise. If you know the beneficiary exists, you don't need to provide a name here.
- **beneficiary_iban** (string)
  IBAN of the beneficiary. Note that when you perform a transfer between your own accounts, you can't use a virtual IBAN.
- **local_iban** (string)
  Existing IBAN to be used as the source of the transfer. Can be the main IBAN of an account or a virtual IBAN. Note that when you perform a transfer between your own accounts, you can't use a virtual IBAN.
- **type_strategy** (string)
  Determines whether to use an instant transfer (available in a few seconds on the beneficiary account), or a standard transfer (1-3 business days). By default, use an instant transfer if available for the given beneficiary, use a standard transfer otherwise.
- **message** (string)
  Message attached to this transfer, visible to all involved parties.
- **internal_note** (string)
  Internal note attached to this transfer, visible only in your Memo Bank workspace.


## Responses
### 200
OK

#### Body: application/json (object)
- **id** (string(uuid))
  ID of the transfer
- **reference** (string(uuid))
  Unique reference, can be used to correlate with the resulting Transaction.
- **amount** (integer(int64))
  Amount of the transfer, in cents.
- **currency** (string)
  Currency of the amount, in ISO 4217 format.
- **local_iban** (string)
  IBAN used as a source of the transfer. It can be the main IBAN of an account or a virtual IBAN.
- **account_id** (string(uuid))
  ID of the account this transfer belongs to.
- **beneficiary_name** (string)
  Name of the beneficiary.
- **beneficiary_iban** (string)
  IBAN of the beneficiary.
- **transfer_type** (string)
  Type of the transfer.
- **message** (string)
  Message attached to this transfer, visible to all involved parties.
- **internal_note** (string)
  Internal note attached to this transfer, visible only in your Memo Bank workspace.


[Powered by Bump.sh](https://bump.sh)