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Book Transfers

Transfer funds
instantly, on us

When you own both accounts at Column, transfers are real-time every second of the day.

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{
  "id": "string",
  "created_at": "2021-11-29T20:18:34.844Z",
  "updated_at": "2021-11-29T20:18:34.844Z",
  "idempotency_key": "string",
  "sender_bank_account_id": "string",
  "sender_account_number_id": "string",
  "receiver_bank_account_id": "string",
  "receiver_account_number_id": "string",
  "amount": int64,
  "currency_code": "string",
  "description": "string",
  "status": "NONE",
  "allow_overdraft": true,
  "details": {}
}

Funds sent

Jan 27, 2022 8:35:32AM

$2,532.32

Transfer to Alex

Funds receieved

Jan 27, 2022 8:35:32AM

$2,532.32

Transfer from John

Complex payment workflows simplified

With instant bank account creation and book transfers, you can create complex payment and settlement flows with just a couple of API calls.

Create a book transfer

curl 'https://api.column.com/transfers/book' \
    -XPOST \
    -u :<YOUR API KEY> \
    -d amount="10000" \
    -d currency_code=USD \
    -d sender_bank_account_id="<bank_account_id>" \
    -d receiver_bank_account_id="<bank_account_id>"

Always available

Book transfers can happen 24/7, every day of the year when both accounts are at Column

Optimize your
customer experience

Through use cases like overdraft and real-time ledgering, our instant transfers ensure you provide a superior customer experience while simplifying reconciliation.

List all book transfers

curl 'https://api.column.com/transfers/book' \
      -u :<YOUR API KEY>
We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers’ growth.
Henrique DubugrasCo-Founder and Co-CEO, Brex

Infrastructure products built for
developers in the lightest format possible

ACH

Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.

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Wire

Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.

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Book Transfers

When you own both accounts at Column, transfers are real-time every second of the day.

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Ledger

Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.

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Bank Accounts

Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.

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Card Programs

Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.

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Checks

Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.

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Realtime

New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.

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International Wires

Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.

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Stablecoins

Send, receive, and hold stablecoins just like any other payment rail. Fully interoperable with the dollar and every US payment rail — instant, 24/7.

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Card Issuing

Launch credit and debit programs on Visa and Mastercard with Column as the issuing bank, the issuer processor, and the capital. No third parties, no middleware.

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Global Banking

Issue US accounts and cards to people and businesses anywhere in the world — regardless of citizenship or location.

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Multicurrency

Receive, hold, and send euros, pounds, Canadian dollars, and more. Instant FX and local payment rails — on the same Column APIs you already use.

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Lending products for companies to scale lending programs faster and cheaper

Loan Origination

Build a modern national lending program in partnership with Column.

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Debt Financing

Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.

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Loan Purchase

Programmatically sell the loans you originate to Column.

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