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

# Intra Bank Transfer

To process a transfer between two customer accounts from different institutions  you make a post request by passing `Amount`, `AppzoneAccount`, `Token` ,`PayerAccountNumber` and some other required payload in the request body. Below is an example of how to make a successful post request to inter bank transfer endpoint.

```
// Live URL 
http://api.mybankone.com/thirdpartyapiservice/apiservice/
Transfer/InterbankTransfer
```

<mark style="color:green;">`POST`</mark> `https://staging.mybankone.com/thirdpartyapiservice/apiservice/Transfer/ InterbankTransfer`

#### Request Body

| Name                                                    | Type   | Description                                                                                       |
| ------------------------------------------------------- | ------ | ------------------------------------------------------------------------------------------------- |
| Amount<mark style="color:red;">\*</mark>                | String | Amount to be transferred in Kobo                                                                  |
| AppzoneAccount                                          | String | Appzone’s account number for Appzone share of fees                                                |
| Token<mark style="color:red;">\*</mark>                 | String | Authentication Key for the request                                                                |
| PayerAccountNumber<mark style="color:red;">\*</mark>    | String | Account number of sender or paye                                                                  |
| Payer<mark style="color:red;">\*</mark>                 | String | Payer’s account name                                                                              |
| RecieversBankCode<mark style="color:red;">\*</mark>     | String | Commercial bank sort code that can be gotten from Bills Payment GetCommercialBank method response |
| ReceiverAccountNumber<mark style="color:red;">\*</mark> | String | Account number of the receiver/beneficiary                                                        |
| ReceiverName<mark style="color:red;">\*</mark>          | String | Beneficiary’s name                                                                                |
| ReceiverPhoneNumber<mark style="color:red;">\*</mark>   | String | Beneficiary’s phone number                                                                        |
| ReceiverAccountType<mark style="color:red;">\*</mark>   | String | Beneficiary’s account type                                                                        |
| ReceiverKYC <mark style="color:red;">\*</mark>          | String | Beneficiary’s Know Your Customer value                                                            |
| ReceiverBVN<mark style="color:red;">\*</mark>           | String | Beneficiary’s Bank Verification Number                                                            |
| TransactionReference<mark style="color:red;">\*</mark>  | String | Unique reference for transaction (maximum of 12 characters)                                       |
| Narration                                               | String | Transaction Narration (maximum of 100 characters)                                                 |
| NIPSessionID                                            | String | Unique value gotten from Name Enquiry used to process transaction                                 |

{% tabs %}
{% tab title="200: OK " %}

```javascript
{
    "Status": "Successful",
 "StatusDescription": null,
 "ReferenceID": 0,
 "UniqueIdentifier": 
"020067152410012328260000000000000000000000",
 "IsSuccessFul": true,
 "ResponseMessage": null,
 "ResponseCode": "00",
 "Reference": "VSGWTWY2097",
 "SessionID": null,
 "RequestStatus": true,
 "ResponseDescription": null,
 "ResponseStatus": "Successful"
}
```

{% endtab %}
{% endtabs %}

### Important things to note about Inter bank transaction processing response

#### Transaction Processing Response&#x20;

<details>

<summary>Possible Status </summary>

A transaction status can any of the following: `Pending`, `Failed`, `Successful`, `Reversed`, `SuccessfulButFeeNotTaken`

* If status **`Successful`** and Response Code `00` indicates that the transfer succeeded
* If status is **`Pending`**. A TSQ is required to determine the status of the transaction
* If response code **`91,06`**. A TSQ is required to determine the status of the transaction
* **Failed**: If Status is Failed and response code is not one of the pending codes, then the transaction failed, and a new request can be initiated.

</details>

#### TSQ Processing for Interbank Transfer&#x20;

<details>

<summary>Transaction Query Processing (TSQ)</summary>

TSQ is required if a transfer response returns pending&#x20;

* If IsSuccessful response parameter is **`true`**, go ahead to check Status parameter to determine the actual status of the initiated transaction.
* If IsSuccessful response parameter is **`false`**, a TSQ request should be reinitiated to determine the actual status of the initiated transaction.
* If status is successful then, the initial transaction succeeded.&#x20;
* If status is **`Failed`** then, the initial transaction failed.
* If Status is **Pending** then, a TSQ should be reinitiated to determine actual status of the initial transaction.&#x20;

Please contact support to investigate and provide further details if status remains as Pending after 5 trials with the TSQ interval time.&#x20;

</details>


---

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