---
title: "Send internal transfer"
slug: "send-internal-transfer"
updated: 2026-07-09T15:09:34Z
published: 2026-07-09T15:09:34Z
canonical: "www.documentation.paynetics.digital/send-internal-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 internal transfer

To move funds between accounts within the system or to external banks customers must have an account/card opened in advance. Transfers API may have different requirements depending on the type of transfer (internal/wire). Amount, currency, debtor, and creditor are required for all requests.

## Internal transfers

Internal transfers can be initiated between accounts/cards in the system using several identifiers like Balance identifier, IBAN, Sort Code and Account Number.

As a response from the API call, a transaction identifier will be received when transfer is successful. The transfer is a real-time operation, meaning that in case a transaction identifier is received the transfer has been completed.

**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"
   }
}
```

When doing internal for Paynetics`s system transfers you can use Balance Token, account number or IBAN to point out from which destination to which destination the funds need to be transferred. The transfer response will look like this:

**Example response:**

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

A **Balance** represents an amount of funds held in a specific currency within an account.

An account may have multiple balances, typically one per supported currency. Balances are assigned payment identifiers such as IBANs or account numbers, depending on the currency.

All monetary operations reference a **balance token**, which is used in API calls to debit or credit funds, perform transfers, or apply fees.

An **Account** is a payment or e-money account used to hold funds and execute transactions.

Accounts are created under a specific instance and program and are associated with either a user or a merchant. They provide the logical structure under which balances, cards, and transactions are organised.

Common account purposes include:

- executing card payments and transfers
- holding settlement funds
- pre-funding services such as OCT

An account acts as a container for balances rather than holding funds directly.

The unique internal identifier for a Balance, used in API operations when targeting a specific currency balance within an Account.

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.