> This page is for Consumer.

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://citi-demo.ferndocs.com/consumer/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://citi-demo.ferndocs.com/consumer/_mcp/server.

# Transfers

### Overview

The Transfers API moves money between a customer's own accounts and to or from external bank accounts they've linked. Use it for internal transfers (checking to savings), external ACH transfers, and same-day options when speed matters.

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### Transfer types

#### Internal transfer

Move money instantly between the customer's own Citi checking, savings, and money market accounts.

#### External transfer (ACH)

Move money to or from an account the customer holds at another bank, typically 1–3 business days.

#### Same-day ACH

Expedite an external transfer for same-business-day settlement when submitted before cutoff.

#### Recurring transfer

Automate savings by scheduling repeating transfers on the customer's chosen cadence.

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### Make a transfer

#### Authenticate

Obtain an access token with the `payments:write` scope. See the [Authentication guide](/consumer/api-docs/get-started/authentication).

#### Choose source and destination

Reference a source `accountRef` and a destination account — either another internal `accountRef` or a linked external account.

#### Submit the transfer

Provide the amount, transfer type, and an optional future date or recurrence.

```json
{
  "fromAccountRef": "acct_884201",
  "toAccountRef": "acct_884202",
  "type": "INTERNAL",
  "amount": { "value": 500.00, "currency": "USD" },
  "frequency": "MONTHLY"
}
```

```json
{
  "transferId": "trf_31aa8",
  "status": "COMPLETED",
  "postedAt": "2026-04-23T14:45:00Z"
}
```

> **Info**
>
> Internal transfers post instantly. External ACH transfers show a `PENDING` status until they settle, usually within 1–3 business days.

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### Cutoff times

> **Warning**
>
> Same-day ACH transfers must be submitted before the daily cutoff (typically 2:00 PM ET on business days). Transfers submitted after cutoff, on weekends, or on bank holidays settle the next business day.

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### Security requirements

Requests require an OAuth 2.0 access token with the `payments:write` scope. See the [Authentication guide](/consumer/api-docs/get-started/authentication).