---
title: "Send a wire transfer"
slug: "send-a-wire-transfer"
updated: 2026-07-09T15:09:33Z
published: 2026-07-09T15:09:33Z
canonical: "www.documentation.paynetics.digital/send-a-wire-transfer"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://www.documentation.paynetics.digital/llms.txt
> Use this file to discover all available pages before exploring further.

# Send a wire transfer

For wire transfer accounts you must have IBAN, or an account number generated for a specific payment network. The transfer network is determined depending on the currency and/or account Program configurations.

For most wire transfers there are additional requirements for creditor name, address, and country, depending on the network used. The outbound request is same as internal transfer, but it will need to have receiver account identification, which can be used by the payment network, such as IBAN or account number and sort code.

**Example request:**

```json
{
   "amount": 1.23,
   "currency": "EUR",
   "code": "string",
   "link": "520bec3b-8051-4a2b-928c-81d32b6bfa41", // Filled in if this is a part of bigger ammount that neds to be paind and is done on more than one transactions 
   "reference": "Payment for goods",
   "reference2": "Items 1,2,3",
   "reference3": "Additional Info",
   "reference4": "Additional Info",
   "origin_of_funds": "string",
   "description": "Merchant 123",
   "is_instant": false,
   "debtor": {
      "balance": "444f4f2c-6a05-43bb-93ab-7ab76ce5658c", // This is the balance token, it is one of the fields by which a transfer can be initiated
      "external_identifier": "",
      "iban": "BG85PATC40021918158842", // IBAN field can also be used to initiate an internal transfer,

      "sort_code": "",
      "account_number": "312334244", // Account number can also be used to initiate a transfer
      "address": "",
      "name": "John Doe",
      "country": "BG"
   },
   "creditor": {
      "balance": "444f4f2c-6a05-43bb-93ab-7ab76ce5658c",// Balance token in Paynetics`s system can be used as an identification where the funds must be sent
      "external_identifier": "",
      "iban": "BG85PATC40021918158842", BAN field can also be used to point where the funds must be received
      "sort_code": "123456",
      "account_number": "12345678", // Account number is also an option for pointing the funds destination
      "address": "BG, Sofia, James Bouchier 76 A",
      "name": "John Doe",
      "country": "BG"
   }
}
```

**Example response:**

```json
{
   "code": 0,
   "data": {
      "transaction": "8b06d551-5453-48e5-842c-c1e2d969da84"
   }
}
```

One last info to keep in mind – when the outbound transfer is sent in GBP for the UK network, Faster Payments will be used. In such cases account number and sort code combination is used.

When dealing with EUR transfers, the go to network is SEPA (Single Euro Payments Area), where IBAN is the main identifier, where the money will need to be sent to.

International Bank Account Number. A standardised international format for identifying a bank account. In the Paynetics platform, IBANs are assigned at the Balance level, allowing accounts with multiple balances to have separate IBANs per currency.

A **Program** defines the configuration under which accounts and cards operate.

Programs specify:

- supported currencies
- account and IBAN generation rules
- availability of virtual and physical cards
- default card behaviour such as limits, fees, usage controls, and wallet enablement

Each account is created under a specific program and references it via a **program code**, which is provided during **partner onboarding**.

Programs establish default behaviour at both account level and card level. These defaults can be refined later through API configuration where applicable.

A UK payment scheme operated by Pay.UK that enables near real-time account-to-account GBP transfers, typically settling within seconds. Paynetics accesses Faster Payments via its partner settlement banks (ClearBank and LHV UK) for inbound and outbound UK payments.

Single Euro Payments Area. A European payment integration initiative that enables euro-denominated credit transfers and direct debits across 36 member countries under unified standards and processing rules.