Withdraw to Bank
curl --request POST \
--url https://api.pro.daya.co/public/v1/withdrawals/bank \
--header 'Content-Type: application/json' \
--header 'X-Api-Key: <x-api-key>' \
--data '
{
"idempotency_key": "<string>",
"amount": "<string>",
"currency": "<string>",
"bank_account_id": "<string>",
"account_number": "<string>",
"bank_code": "<string>",
"account_name": "<string>",
"bank_name": "<string>",
"narration": "<string>"
}
'import requests
url = "https://api.pro.daya.co/public/v1/withdrawals/bank"
payload = {
"idempotency_key": "<string>",
"amount": "<string>",
"currency": "<string>",
"bank_account_id": "<string>",
"account_number": "<string>",
"bank_code": "<string>",
"account_name": "<string>",
"bank_name": "<string>",
"narration": "<string>"
}
headers = {
"X-Api-Key": "<x-api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-Api-Key': '<x-api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
idempotency_key: '<string>',
amount: '<string>',
currency: '<string>',
bank_account_id: '<string>',
account_number: '<string>',
bank_code: '<string>',
account_name: '<string>',
bank_name: '<string>',
narration: '<string>'
})
};
fetch('https://api.pro.daya.co/public/v1/withdrawals/bank', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.pro.daya.co/public/v1/withdrawals/bank",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'idempotency_key' => '<string>',
'amount' => '<string>',
'currency' => '<string>',
'bank_account_id' => '<string>',
'account_number' => '<string>',
'bank_code' => '<string>',
'account_name' => '<string>',
'bank_name' => '<string>',
'narration' => '<string>'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-Api-Key: <x-api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.pro.daya.co/public/v1/withdrawals/bank"
payload := strings.NewReader("{\n \"idempotency_key\": \"<string>\",\n \"amount\": \"<string>\",\n \"currency\": \"<string>\",\n \"bank_account_id\": \"<string>\",\n \"account_number\": \"<string>\",\n \"bank_code\": \"<string>\",\n \"account_name\": \"<string>\",\n \"bank_name\": \"<string>\",\n \"narration\": \"<string>\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Api-Key", "<x-api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.pro.daya.co/public/v1/withdrawals/bank")
.header("X-Api-Key", "<x-api-key>")
.header("Content-Type", "application/json")
.body("{\n \"idempotency_key\": \"<string>\",\n \"amount\": \"<string>\",\n \"currency\": \"<string>\",\n \"bank_account_id\": \"<string>\",\n \"account_number\": \"<string>\",\n \"bank_code\": \"<string>\",\n \"account_name\": \"<string>\",\n \"bank_name\": \"<string>\",\n \"narration\": \"<string>\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.pro.daya.co/public/v1/withdrawals/bank")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"idempotency_key\": \"<string>\",\n \"amount\": \"<string>\",\n \"currency\": \"<string>\",\n \"bank_account_id\": \"<string>\",\n \"account_number\": \"<string>\",\n \"bank_code\": \"<string>\",\n \"account_name\": \"<string>\",\n \"bank_name\": \"<string>\",\n \"narration\": \"<string>\"\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"message": "Withdrawal initiated successfully",
"data": {
"transaction_id": "22222222-2222-2222-2222-222222222222",
"status": "processing",
"amount": "1000000.00",
"currency": "NGN",
"fee": "100.00",
"transfer_id": "FLW-TRF-9001",
"created_at": "2026-05-06T12:00:00Z"
}
}
Withdrawals
Withdraw to Bank
Initiate a fiat withdrawal from your Daya Pro NGN balance to a Nigerian bank account
POST
/
public
/
v1
/
withdrawals
/
bank
Withdraw to Bank
curl --request POST \
--url https://api.pro.daya.co/public/v1/withdrawals/bank \
--header 'Content-Type: application/json' \
--header 'X-Api-Key: <x-api-key>' \
--data '
{
"idempotency_key": "<string>",
"amount": "<string>",
"currency": "<string>",
"bank_account_id": "<string>",
"account_number": "<string>",
"bank_code": "<string>",
"account_name": "<string>",
"bank_name": "<string>",
"narration": "<string>"
}
'import requests
url = "https://api.pro.daya.co/public/v1/withdrawals/bank"
payload = {
"idempotency_key": "<string>",
"amount": "<string>",
"currency": "<string>",
"bank_account_id": "<string>",
"account_number": "<string>",
"bank_code": "<string>",
"account_name": "<string>",
"bank_name": "<string>",
"narration": "<string>"
}
headers = {
"X-Api-Key": "<x-api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'X-Api-Key': '<x-api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({
idempotency_key: '<string>',
amount: '<string>',
currency: '<string>',
bank_account_id: '<string>',
account_number: '<string>',
bank_code: '<string>',
account_name: '<string>',
bank_name: '<string>',
narration: '<string>'
})
};
fetch('https://api.pro.daya.co/public/v1/withdrawals/bank', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://api.pro.daya.co/public/v1/withdrawals/bank",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'idempotency_key' => '<string>',
'amount' => '<string>',
'currency' => '<string>',
'bank_account_id' => '<string>',
'account_number' => '<string>',
'bank_code' => '<string>',
'account_name' => '<string>',
'bank_name' => '<string>',
'narration' => '<string>'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"X-Api-Key: <x-api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://api.pro.daya.co/public/v1/withdrawals/bank"
payload := strings.NewReader("{\n \"idempotency_key\": \"<string>\",\n \"amount\": \"<string>\",\n \"currency\": \"<string>\",\n \"bank_account_id\": \"<string>\",\n \"account_number\": \"<string>\",\n \"bank_code\": \"<string>\",\n \"account_name\": \"<string>\",\n \"bank_name\": \"<string>\",\n \"narration\": \"<string>\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("X-Api-Key", "<x-api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://api.pro.daya.co/public/v1/withdrawals/bank")
.header("X-Api-Key", "<x-api-key>")
.header("Content-Type", "application/json")
.body("{\n \"idempotency_key\": \"<string>\",\n \"amount\": \"<string>\",\n \"currency\": \"<string>\",\n \"bank_account_id\": \"<string>\",\n \"account_number\": \"<string>\",\n \"bank_code\": \"<string>\",\n \"account_name\": \"<string>\",\n \"bank_name\": \"<string>\",\n \"narration\": \"<string>\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://api.pro.daya.co/public/v1/withdrawals/bank")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["X-Api-Key"] = '<x-api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"idempotency_key\": \"<string>\",\n \"amount\": \"<string>\",\n \"currency\": \"<string>\",\n \"bank_account_id\": \"<string>\",\n \"account_number\": \"<string>\",\n \"bank_code\": \"<string>\",\n \"account_name\": \"<string>\",\n \"bank_name\": \"<string>\",\n \"narration\": \"<string>\"\n}"
response = http.request(request)
puts response.read_body{
"success": true,
"message": "Withdrawal initiated successfully",
"data": {
"transaction_id": "22222222-2222-2222-2222-222222222222",
"status": "processing",
"amount": "1000000.00",
"currency": "NGN",
"fee": "100.00",
"transfer_id": "FLW-TRF-9001",
"created_at": "2026-05-06T12:00:00Z"
}
}
Overview
Move NGN from your Daya Pro balance to a Nigerian bank account. The withdrawal is queued and dispatched through Daya’s payout provider; the response returns immediately with a transaction ID and the initial status. Requires Withdraw scope and Daya-enabled withdrawal access. Trade scope alone is not a permanent withdrawal permission.Requests are idempotent on
idempotency_key. Replaying the same key always returns the original transaction without re-running the withdrawal — safe to retry on network failures.- Saved beneficiary — pass
bank_account_id(UUID of a beneficiary previously stored on your account). All other bank fields are ignored. - Inline details — pass
account_number,bank_code,account_name,bank_namedirectly.
Authentication
string
required
Your API key with Withdraw scope
Request Body
string
required
Caller-supplied unique key. Reuse on retry to avoid double-spend.Example:
wd-2026-05-06-01string
required
Withdrawal amount as a decimal string.Example:
1000000.00string
required
Currency code.Example:
NGNstring
UUID of a saved bank account on the user. When set, the inline bank fields below are ignored.
string
Destination NUBAN. Required when
bank_account_id is omitted.Example: 0123456789string
CBN bank code. Required when
bank_account_id is omitted.Example: 058string
Account holder name as registered with the destination bank. Required when
bank_account_id is omitted. Must match — the provider rejects mismatched names.string
Display name of the destination bank. Required when
bank_account_id is omitted.Example: GTBankstring
Optional free-form narration shown on the recipient’s bank statement.
Request Example
curl --request POST \
--url https://api.pro.daya.co/public/v1/withdrawals/bank \
--header 'X-Api-Key: daya_sk_YOUR_API_KEY' \
--header 'Content-Type: application/json' \
--data '{
"idempotency_key": "wd-2026-05-06-01",
"account_number": "0123456789",
"bank_code": "058",
"account_name": "Jane Doe",
"bank_name": "GTBank",
"amount": "1000000.00",
"currency": "NGN",
"narration": "Payout for invoice 123"
}'
Response
string
required
Daya transaction UUID. Use this to track status.
string
required
Initial status. Most withdrawals return as
processing and transition asynchronously.Values: pending, processing, completed, failedstring
required
Echoed amount.
string
required
Echoed currency.
string
Fee charged for the withdrawal.
string
Provider-side transfer reference (when available).
string
required
ISO 8601 timestamp when the withdrawal was accepted.
{
"success": true,
"message": "Withdrawal initiated successfully",
"data": {
"transaction_id": "22222222-2222-2222-2222-222222222222",
"status": "processing",
"amount": "1000000.00",
"currency": "NGN",
"fee": "100.00",
"transfer_id": "FLW-TRF-9001",
"created_at": "2026-05-06T12:00:00Z"
}
}
Error Responses
| Code | Meaning |
|---|---|
400 | Validation error or insufficient balance |
403 | Missing Withdraw scope, or account restricted |
409 | Same idempotency_key previously used with a different request body |