1. SEPA Withdrawal
Partner API
  • Getting Started
    • Introduction
    • Authentication
    • Business Use Cases
  • API References
    • Partner Operations
      • Balances & History
        • Get Balances
        • Get Balance History
      • Crypto Deposits
        • Get Crypto Deposit Details
      • Crypto Withdrawal
        • Create Crypto Withdrawal
        • Get Crypto Withdrawal Details
      • Currency Exchange
        • Get Rates
        • Create Lock
        • Create Exchange
        • Get Exchange Details
      • SEPA Deposit
        • Get SEPA Deposit Details
        • Get SEPA Deposit Info
      • SEPA Withdrawal
        • Create a SEPA Withdrawal
          POST
        • Get SEPA Withdrawal Details
          GET
  • Integration
    • SDKs & Integration Guides
    • Transaction Processing
    • Error Handling
    • Rate Limiting
    • Webhooks
      • Transaction Webhooks
        • Crypto Deposit Webhook
        • Crypto Withdrawal Webhook
        • Exchange Webhook
        • SEPA Deposit Webhook
        • SEPA Withdrawal Webhook
  • Reference
    • Supported Currencies
    • Fees
    • FAQ
    • Changelog
    • Support
  1. SEPA Withdrawal

Create a SEPA Withdrawal

Testing Env
https://stage-api.fintegence.io
Testing Env
https://stage-api.fintegence.io
POST
/v1/partner/sepa-transfer
Initiates a SEPA fiat withdrawal from the partner EUR balance to a specified bank account.
This endpoint allows transferring fiat funds by providing complete recipient bank details. Upon successful validation, the request is accepted and queued for processing, immediately returning a unique transactionId.
Actual banking network processing and compliance checks are executed asynchronously. You can check withdrawal fees (withdrawalFee) and minimum withdrawal constraints beforehand via the Get Balances endpoint, and track the transfer lifecycle using Get SEPA Withdrawal Details.

Required Transfer Fields#

Ensure all recipient parameters match the beneficiary's bank account requirements:
currency: Currency code (e.g., EUR, transformed to uppercase).
amount: Transfer amount in EUR (must be a positive number).
accountHolder: Full legal name or corporate name of the recipient (max 70 characters).
iban: Destination International Bank Account Number.
swift: BIC/SWIFT code of the destination bank (max 11 characters).
bankName: Name of the receiving bank (max 70 characters).
transferTitle: Payment reference or title string for remittance (max 70 characters).

Key Integration Details#

Asynchronous Processing: A 200 OK response indicates the transfer request has been accepted and queued.
Tracking Identifier: The returned transactionId serves as the primary identifier to query transaction status or reconcile webhooks.
Status Verification: Monitor real-time progress via webhooks or by querying Get SEPA Withdrawal Details.
Asynchronous Validation
Business logic checks (such as available balance verification) are performed asynchronously during queue execution.
The API initially accepts validly formatted requests. Always verify the final outcome via webhooks or by polling Get SEPA Withdrawal Details.

Request

Authorization
API Key
Add parameter in header
x-api-key
Example:
x-api-key: ********************
or
Body Params application/json

Examples

Responses

🟢201Created
application/json
Bodyapplication/json

🟠401Access Denied
Request Request Example
Shell
JavaScript
Java
Swift
curl --location 'https://stage-api.fintegence.io/v1/partner/sepa-transfer' \
--header 'x-api-key: <api-key>' \
--header 'Content-Type: application/json' \
--data '{
    "currency": "EUR",
    "amount": 10,
    "accountHolder": "John Doe",
    "iban": "PL61109010140000071219812874",
    "swift": "BPKOPLPW",
    "bankName": "PKO BP",
    "transferTitle": "Test withdrawal"
}'
Response Response Example
201 - Success
{
    "transactionId": "9b635d3d-a49c-4094-9088-7364c0c8809d"
}
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SEPA Withdrawal
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