--- title: "Simulate a Bank Transfer to a Virtual Account" source_url: https://docs.rapyd.net/en/simulate-a-bank-transfer-to-a-virtual-account.html lang: en --- # Simulate a Bank Transfer to a Virtual Account Simulate a deposit to a virtual account that was issued to a wallet. This method is relevant only for testing in the sandbox. The currency of the transfer must be supported by the specific virtual account. This method triggers [Deposit Completed Webhook](https://docs.rapyd.net/en/deposit-completed-webhook.md "Deposit Completed Webhook"). > **Note:** > > - This endpoint replaces the deprecated endpoint - `POST /v1/issuing/bankaccounts/bankaccounttransfertobankaccount` > - Rapyd no longer supports the deprecated endpoint. > - The code samples include successful requests (200) and bad requests (400). > > - For error messages that appear due to bad requests (400), see: > > - [General Errors](https://docs.rapyd.net/en/general-errors.md "General Errors") > - [Virtual Account Errors](https://docs.rapyd.net/en/virtual-account-errors.md "Virtual Account Errors") > - For information about unauthorized request (401) and other authentication errors, see [Troubleshooting Authentication and Authorization Errors](https://docs.rapyd.net/en/troubleshooting-authentication-and-authorization-errors.md "Troubleshooting Authentication and Authorization Errors"). **Prerequisites:** - [Create Wallet](https://docs.rapyd.net/en/create-wallet.md "Create Wallet") - [Verify Identity](https://docs.rapyd.net/en/verify-identity.md "Verify Identity") - To simulate a transfer with FX, assign a value to `requested_currency`. ### Parameters ### Request Header Parameters - - access_key - Unique access key provided by Rapyd for each authorized user. See [Developers](https://docs.rapyd.net/en/developers.md "Developers"). - - Content-Type - Indicates that the data appears in JSON format. Set to **application/json**. - - idempotency - A unique key that prevents the platform from creating the same object twice. See [Idempotency](https://docs.rapyd.net/en/idempotency.md "Idempotency"). - - salt - Random string. Recommended length: 8-16 characters. - - signature - Signature calculated for each request individually. See [Request Signatures](https://docs.rapyd.net/en/request-signatures.md "Request Signatures"). - - timestamp - Timestamp for the request, in [Unix time](https://docs.rapyd.net/en/glossary.md#UUID-945d98cf-adae-e1cf-2606-c7fae8b4a7e1_unix_time "Unix time") (seconds). ### Request Body Parameters - - amount - The amount sent by the sender to the virtual account, in units of the currency defined in `currency`. - - currency - Currency sent by the sender to the virtual account. Three-letter ISO 4217 code. To simulate a transfer without FX, set to `currency` in the virtual account. To simulate a transfer with FX, do not set to `requested_currency` in the virtual account. - - issued_bank_account - ID of the virtual account number object. String starting with **issuing_**. - - remitter_information - Details about the remitter of a transfer to a virtual account, including the following fields: - - account_id - The remitter's bank account identifier. - - account_name - Name of the bank account holder. - - bank_code - Bank identifier code, such as SWIFT, BIC, ABA, or other local identifier. - - iban - IBAN of the virtual bank account. - - remitter_reference - Information that the remitter adds to the transaction, intended for the beneficiary. Supported by some payment methods. - - sort_code - The domestic bank code that is used for transfers. - - requested_currency - Indicate the 3-letter code (uppercase) for the currency sent by the sender. The funds will be converted into the "requested currency" of the virtual account. ### Response Parameters - - bank_account - Details about the bank account, including the following fields: - - aba - 9-digit ABA routing number of the virtual account. - - aba_routing_number - 9-digit ABA routing number of the virtual account. - - account_holder - Name of the virtual account holder. - - account_no - The actual account number that was assigned to the virtual account when it was created. - - account_number - The actual account number that was assigned to the virtual account when it was created. - - address - Street address of the branch of the bank that issued the virtual account number. - - beneficiary_name - Name of the owner of the Rapyd Wallet that the virtual account number was issued to. - - bic - [Bank Identifier Code (BIC)](https://docs.rapyd.net/en/glossary.md#UUID-945d98cf-adae-e1cf-2606-c7fae8b4a7e1_bic "Bank Identifier Code") of the virtual account. - - branch_code - Number of the bank branch. - - city - City of the branch of the bank that issued the virtual account number. - - country - Two-letter ISO 3166-1 ALPHA-2 code of the country of the virtual account. - - country_iso - Two-letter ISO 3166-1 ALPHA-2 code of the country of the virtual account. - - iban - [International bank account number (IBAN)](https://docs.rapyd.net/en/glossary.md#UUID-945d98cf-adae-e1cf-2606-c7fae8b4a7e1_iban "International Bank Account Number") of the virtual account. - - payment_type - Method of transferring funds to and from the virtual account. - - sort_code - A six-digit bank identification number. Relevant to certain country-currency combinations. - - currency - Currency of the virtual account. Three-letter ISO 4217 code. - - description - Description of the transaction, as defined by the client. - - ewallet - ID of the Rapyd Wallet that the virtual account is attached to. String starting with **ewallet_**. - - funding_instructions - Reserved. - - id - ID of the virtual account. String starting with **issuing_**. - - merchant_reference_id - Identifier defined by the client for reference purposes. Limit: 45 characters. - - metadata - A JSON object defined by the client. See [Metadata](https://docs.rapyd.net/en/metadata.md "Metadata"). - - requested_currency - Currency received by the virtual account after conversion. One of the following: - **AUD** - Australian Dollar - **EUR** - Euro - **GBP** - Pound Sterling - **HKD** - Hong Kong Dollar - **SGD** - Singapore Dollar - **USD** - US Dollar - - status - Indicates the status of the virtual account. - **ACT** - Active. - **ERR** - Error. - **PEN** - Pending. - **REJ** - Rejected. - - transactions - List that describes individual transactions in the wallet that were done via the virtual account number. Each object has the following fields: - - id - ID of the transaction. String starting with **isutran_**. - - amount - The amount credited to the virtual account, in units of the currency defined in `currency`. - - created_at - Timestamp for the transaction, in [Unix time](https://docs.rapyd.net/en/glossary.md#UUID-945d98cf-adae-e1cf-2606-c7fae8b4a7e1_unix_time "Unix time"). - - currency - The currency credited to the virtual account. Three-letter ISO 4217 code. - **Transactions without FX** - The currency sent by the sender. - **FX transactions** - Determined by `requested_currency` in the virtual account. - - fx_rate - Currency conversion rate for the transaction. - - original_amount - The amount sent by the sender to the virtual account, in units of the currency defined in `original_currency`. - - original_currency - The currency sent by the sender to the virtual account. Three-letter ISO 4217 code. ### Code Samples - - .NET - ```csharp using System; using System.Text.Json; namespace RapydApiRequestSample { class Program { static void Main(string[] args) { try { var requestObj = new { issued_bank_account = "issuing_01ce6729cf4c1a6c5bd2b16901725876", amount = 100, currency = "EUR", }; string request = JsonSerializer.Serialize(requestObj); string result = RapydApiRequestSample.Utilities.MakeRequest("POST", "/v1/virtual_accounts/transactions", request); Console.WriteLine(result); } catch (Exception e) { Console.WriteLine("Error completing request: " + e.Message); } } } } ``` - - JavaScript - ```javascript const makeRequest = require('../../../../Utilities/JS/utilities').makeRequest; async function main() { try { const body = { issued_bank_account: 'issuing_01ce6729cf4c1a6c5bd2b16901725876', amount: 100, currency: 'EUR' }; const result = await makeRequest( 'POST', '/v1/virtual_accounts/transactions', body ); console.log(result); } catch (error) { console.error('Error completing request', error); } } ``` - - PHP - ```php "issuing_01ce6729cf4c1a6c5bd2b16901725876", "amount" => "100", "currency" => "EUR" ]; try { $object = make_request('post', '/v1/virtual_accounts/transactions', $body); var_dump($object); } catch(Exception $e) { echo "Error: $e"; } ?> ``` - - Python - ```python from pprint import pprint from utilities import make_request body = { "issued_bank_account": "issuing_b812a80aab159633335bbc64c9819091", "amount": "100", "currency": "EUR" } results = make_request(method='post', path=f'/v1/virtual_accounts/transactions', body=body) pprint(results) ``` - /v1/virtual_accounts/transactions - Simulate a Bank Transfer to a Virtual Account - ```curl curl -X post 'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \ -H 'access_key: your-access-key-here' \ -H 'Content-Type: application/json' \ -H 'idempotency: your-idempotency-parameter-here' \ -H 'salt: your-random-string-here' \ -H 'signature: your-calculated-signature-here' \ -H 'timestamp: your-unix-timestamp-here' \ --data-raw '{ "issued_bank_account": "issuing_d11d404c919519c66ac61e14389f766a", "amount": "100", "currency": "EUR" }' ``` - ```json { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "bdcfd0ef-8163-4230-ad39-9c38a3053712" }, "data": { "id": "issuing_d11d404c919519c66ac61e14389f766a", "merchant_reference_id": "issuing_d11d404c919519c66ac61e14389f766a", "ewallet": "ewallet_c1943cfeda5f98247ab117e5d2648861", "bank_account": { "beneficiary_name": "CashDash UK Limited", "address": "Northwest House, 119 Marylebone Road NW1 5PU", "country_iso": "DE", "iban": "DE07202208000092780641", "bic": "SXPYDEHH" }, "metadata": {}, "status": "ACT", "description": null, "funding_instructions": null, "currency": "EUR", "requested_currency": null, "transactions": [ { "id": "isutran_5337361d6c62f369d98c71d9e418f063", "amount": 100, "currency": "EUR", "original_amount": 100, "original_currency": "EUR", "fx_rate": 1, "created_at": 1760276114 } ] } } ``` - Simulate a Bank Transfer to a Virtual Account with FX - ```curl curl -X post 'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \ -H 'access_key: your-access-key-here' \ -H 'Content-Type: application/json' \ -H 'idempotency: your-idempotency-parameter-here' \ -H 'salt: your-random-string-here' \ -H 'signature: your-calculated-signature-here' \ -H 'timestamp: your-unix-timestamp-here' \ --data-raw '{ "issued_bank_account": "issuing_f0d1d873c1c02bccf0ed42de2a609fe2", "amount": "101", "currency": "USD", "requested_currency": "EUR" }' ``` - ```json { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "d2bb79f4-608c-48ff-81ad-0dceef5555b5" }, "data": { "id": "issuing_f0d1d873c1c02bccf0ed42de2a609fe2", "merchant_reference_id": "issuing_f0d1d873c1c02bccf0ed42de2a609fe2", "ewallet": "ewallet_31fb2dbbaf6519461ee4fbe1062220d3", "bank_account": { "beneficiary_name": "CashDash UK Limited", "address": "Northwest House, 119 Marylebone Road NW1 5PU", "country_iso": "DK", "iban": "DK4289000092780662", "bic": "SXPYDKKK" }, "metadata": {}, "status": "ACT", "description": null, "funding_instructions": null, "currency": "EUR", "requested_currency": "HKD", "transactions": [ { "id": "isutran_4c584940888bb0e727e84d4c7be55d9c", "amount": 762.67, "currency": "HKD", "original_amount": 101, "original_currency": "USD", "fx_rate": 7.5511839193, "created_at": 1760278636 } ] } } ``` - Simulate a Bank Transfer to a Virtual Account - with Remitter Information - ```curl curl -X post 'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \ -H 'access_key: your-access-key-here' \ -H 'Content-Type: application/json' \ -H 'idempotency: your-idempotency-parameter-here' \ -H 'salt: your-random-string-here' \ -H 'signature: your-calculated-signature-here' \ -H 'timestamp: your-unix-timestamp-here' \ --data-raw '{ "issued_bank_account": "issuing_59fd68cb3837f632abdcb5ddaa75045b", "amount": "1", "currency": "IDR", "remitter_information": { "remitter_reference": "Simulating a bank transfer", "iban": "DK5000400440116243", "account_name": "John Doe", "sort_code": "23434", "account_number": "1234567", "bank_code": "233434", "bank_name": "U Bank" } }' ``` - ```json { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "dd054e90-54e0-4c00-af23-9ff3fa9df157" }, "data": { "id": "issuing_59fd68cb3837f632abdcb5ddaa75045b", "merchant_reference_id": "issuing_59fd68cb3837f632abdcb5ddaa75045b", "ewallet": "ewallet_b16ab040e51deda7f6a786862bd3fe7b", "bank_account": { "beneficiary_name": "Rapyd Holdings Pte. Ltd.", "country_iso": "ID", "bank": "Bank Sahabat Sampoerna", "country": "Indonesia", "local_bank_code": "523", "account_number": "4010299991035202" }, "metadata": {}, "status": "ACT", "description": "Issue test bank account", "funding_instructions": null, "currency": "IDR", "requested_currency": null, "transactions": [ { "id": "isutran_5ac346053c6b65b3bdcf4baa7aad67c0", "amount": 1, "currency": "IDR", "original_amount": 1, "original_currency": "IDR", "fx_rate": 1, "created_at": 1677495859 }, { "id": "isutran_5fbe2b43f4aa143eea2147e3967dd2ac", "amount": 1, "currency": "IDR", "original_amount": 1, "original_currency": "IDR", "fx_rate": 1, "created_at": 1760277099 } ] } } ``` - Bad Request - Virtual Account Not Found - ```curl curl -X post 'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \ -H 'access_key: your-access-key-here' \ -H 'Content-Type: application/json' \ -H 'idempotency: your-idempotency-parameter-here' \ -H 'salt: your-random-string-here' \ -H 'signature: your-calculated-signature-here' \ -H 'timestamp: your-unix-timestamp-here' \ --data-raw '{ "issued_bank_account": "issuing_d11d404c919519c66ac61e14389f766", "amount": "10", "currency": "EUR" }' ``` - ```json { "status": { "error_code": "ERROR_ISSUING_DEPOSIT", "status": "ERROR", "message": "The request tried to simulate a deposit to a virtual account number that was issued to a wallet in the sandbox, but the virtual account was not found. The request was rejected. Corrective action: For 'issued_bank_account', use the ID of a Virtual Account Number that was issued to a wallet, which is a string starting with 'issuing_'.", "response_code": "ERROR_ISSUING_DEPOSIT", "operation_id": "aa69b86c-b8de-4393-b844-365f63bac36e" } } ``` - Bad Request - Currency Mismatch - ```curl curl -X post 'https://sandboxapi.rapyd.net/v1/virtual_accounts/transactions' \ -H 'access_key: your-access-key-here' \ -H 'Content-Type: application/json' \ -H 'idempotency: your-idempotency-parameter-here' \ -H 'salt: your-random-string-here' \ -H 'signature: your-calculated-signature-here' \ -H 'timestamp: your-unix-timestamp-here' \ --data-raw '{ "issued_bank_account": "issuing_d11d404c919519c66ac61e14389f766a", "amount": "10", "currency": "PHP" }' ``` - ```json { "status": { "error_code": "ERROR_SIMULATE_DEPOSIT_CURRENCY_MISMATCH", "status": "ERROR", "message": "The request tried to simulate a bank transfer to a virtual account, but the currency of the deposit was not the same as the currency of the virtual account. The request was rejected. Corrective action: Set 'currency' to the currency of the virtual account.", "response_code": "ERROR_SIMULATE_DEPOSIT_CURRENCY_MISMATCH", "operation_id": "08c8dde9-807e-47f6-a8eb-42c31f71ea44" } } ```