Withdraw to 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"
  }
}

POST

public

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 Trade scope.

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.

There are two ways to specify the destination:

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_name directly.

Authentication

string

required

Your API key with Trade scope

Request Body

string

required

Caller-supplied unique key. Reuse on retry to avoid double-spend.Example: wd-2026-05-06-01

string

required

Withdrawal amount as a decimal string.Example: 1000000.00

string

required

Currency code.Example: NGN

string

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: 0123456789

string

CBN bank code. Required when bank_account_id is omitted.Example: 058

string

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: GTBank

string

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, failed

string

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 Trade scope, or account restricted
`409`	Same `idempotency_key` previously used with a different request body

Notes on settlement

The response confirms the withdrawal was accepted, not that funds have arrived. Final settlement happens through the underlying payout provider and can take seconds to minutes depending on the destination bank.

Getting Started

Markets

Account

Orders

Trades

Deposits

Withdrawals

Webhooks API

Webhooks

Overview

Authentication

Request Body

Request Example

Response

Error Responses

Notes on settlement

​Overview

​Authentication

​Request Body

​Request Example

​Response

​Error Responses

​Notes on settlement

Overview

Authentication

Request Body

Request Example

Response

Error Responses

Notes on settlement