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

# Withdraw to Bank

> Endpoint reference for withdrawing Nigerian Naira via bank transfer

## NGN Bank Transfer / Withdrawal

This endpoint currently supports `NGN` (Nigerian Naira) wallet withdrawals.

***

## How to Perform a Bank Transfer

1. Ensure the user has sufficient balance in their `NGN` wallet.
2. Retrieve the list of supported Nigerian banks and their respective `bankCode` values by calling the utility endpoint: `/transaction/{method}/providers`
3. Pass the following query parameters to the utility endpoint:
   | Parameter  | Value           |
   | ---------- | --------------- |
   | `method`   | `BANK_TRANSFER` |
   | `currency` | `NGN`           |
   | `iso2`     | `NG`            |
4. Use the returned `bankCode` when initiating a transfer.

***

## Required Fields

| Field           | Description                          |
| --------------- | ------------------------------------ |
| `currency`      | Must be `NGN`                        |
| `amount`        | Amount to transfer from the wallet   |
| `accountNumber` | Destination bank account number      |
| `bankCode`      | Bank code of the destination bank    |
| `accountName`   | Name on the destination bank account |
| `bankName`      | Name of the destination bank         |

## Optional Fields

| Field       | Description                          |
| ----------- | ------------------------------------ |
| `narration` | Transaction narration or description |

***

## Sample Request Payload

```json theme={null}
{
  "currency": "NGN",
  "amount": 15000,
  "narration": "Refund",
  "accountNumber": "5010755577",
  "bankCode": "999240",
  "accountName": "MONIRATESLIMITE / JOHN DOE",
  "bankName": "SAFE HAVEN SANDBOX BANK"
}
```

***

## Notes

* This endpoint is only for `NGN` bank transfers.
* Fees may apply and will be deducted from the wallet balance.
* Transfers are subject to bank processing times.
* Invalid bank codes or insufficient balance will result in validation errors.