Create Bulk Transfer

You can use this endpoint to perform bulk bank account transfer to multiple bank accounts.

Please note that, by default, merchant configuration for setting regions and service providers is not enabled on new accounts. To create bank transfer successfully after successful sign up and KYB onboarding, contact our support team at support@spotflow.one and request merchant configuration activation for your account.

POST https://api.spotflow.co/api/v1/transfers/bulk?category=disburse&currency=NGN&narration=ref-transfer

Headers

authorization String	Bearer SECRET_KEY Include your secret key in the request header as a Bearer token for authorization. Unauthorized requests will result in a 401 HTTP status code.
content-type String	application/json

Request Query Parameters

category String	Specify a unique category of your choice for your company to track a transaction for later reconciliation.
currency String	Select the currency for the transfer. This is in our supported currency which is currently only NGN and GHS.
narration String	This is optional information for you to give details about the reason for the transfer

Request Body Parameters

Add a form-data with a key of “file” in the request body. In the value tab, upload a CSV file of your bulk transfer. Ensure all the required fields such as the amount, currency, bank_code, branch_code, account_number, account_name, and narration are present in your CSV file before uploading it.

Sample Response For NGN:

200 OK

{
    "id": "da2d336f-bb99-49c8-90f9-2ea18d4571bf",
    "category": "Salaries",
    "totalAmount": 580.00,
    "currency": "NGN",
    "count": 4,
    "fileName": "newbulktransfers.csv",
    "reference": "07621d66-0bed-4bd6-9950-82209db00bae",
    "spotflowReference": "SPF-BTRSF-d39434141c34456c8c7c987b42c01a80",
    "status": "initiated",
    "createdAt": "2025-09-03T17:05:31.284748Z"
}

Sample Response For GHS:

200 OK

{
    "id": "3d845022-e208-4fe9-bd8d-be9bc87e37a2",
    "category": "Creator Payout",
    "totalAmount": 580.00,
    "currency": "GHS",
    "count": 4,
    "fileName": "GHSbulktransfers.csv",
    "reference": "605a8096-7353-49b5-a433-78dd7a0acbb3",
    "spotflowReference": "SPF-BTRSF-c2ab10af96cc4fe4aca82ece637d2f3d",
    "status": "initiated",
    "createdAt": "2025-09-03T22:44:36.738968Z"
}