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

# Initiate Single Transfer

> Send money to a single bank account. You should validate the account first to confirm the recipient details.

Send money to a single bank account. You should [validate the account](/api-reference/transfers-validate-account) first to confirm the recipient details.

## Endpoint

```
POST /api/v1/business/single
```

**Signature required:** Yes

## Headers

| Header                       | Required | Description                                                                                                                                                                    |
| ---------------------------- | -------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| `X-Numero-Api-Key`           | Yes      | Your API key                                                                                                                                                                   |
| `X-Numero-Signature`         | Yes      | Base64 HMAC-SHA256 over the exact raw request body (POST) or the canonicalised query string (GET), keyed with your **Public Key**. See [Request signing](/03-request-signing). |
| `X-Numero-Signature-Version` | Yes      | Always `v2`.                                                                                                                                                                   |
| `Idempotency-Key`            | Yes      | Unique key you generate per attempt. Replaying the same key returns the original result instead of moving money twice.                                                         |

## Request body

| Field                      | Type    | Required | Description                 |
| -------------------------- | ------- | -------- | --------------------------- |
| `narration`                | string  | Yes      | Description of the transfer |
| `amount`                   | integer | Yes      | Amount to transfer in Naira |
| `destinationAccountNumber` | string  | Yes      | Recipient's account number  |
| `destinationBankCode`      | string  | Yes      | Recipient's bank code       |
| `destinationAccountName`   | string  | Yes      | Recipient's account name    |
| `phoneNumber`              | string  | Yes      | Sender's phone number       |

## Request example

```bash theme={null}
curl -X POST "https://api.usenumero.com/numeroaccount/api/v1/business/single" \
  -H "Content-Type: application/json" \
  -H "X-Numero-Api-Key: your_api_key" \
  -H "X-Numero-Signature: $SIGNATURE" \
  -H "X-Numero-Signature-Version: v2" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{
    "narration": "Payment for order #123",
    "amount": 5000,
    "destinationAccountNumber": "0123456789",
    "destinationBankCode": "000013",
    "destinationAccountName": "John Doe",
    "phoneNumber": "08012345678"
  }'
```

## Response

```json theme={null}
{
  "data": {
    "transferReference": [
      "TRF-20240115-abc123"
    ]
  },
  "error": null,
  "meta": {
    "request_id": "req_365123ebc73323f1482508560ce6400e",
    "pagination": null
  }
}
```

| Field               | Type      | Description                                |
| ------------------- | --------- | ------------------------------------------ |
| `transferReference` | string\[] | Array containing the transfer reference(s) |

## Next steps

Use the `transferReference` to [check the transfer status](/api-reference/transfers-status).