---
title: Internal Transfers
slug: internal-transfers
createdAt: 2025-01-01T23:24:22.893Z
---

::Image[]{src="https://api.archbee.com/api/optimize/2YV_jPVRvgDF5hYZgYUKg-T7bXOVize5TvA4lCKjLZ2-20250205-042040.png" size="58" width="960" height="144" position="center" showCaption="false"}

Transfers between mAccounts and Ledger Accounts within the Monoova ecosystem are processed similarly to outbound payments. To initiate a transfer, specify the desired `paymentSource`, include the ID of the mAccount, Wallet, or Ledger Account, and provide the necessary details in the disbursement object. 

For detailed payload examples, refer to the [Execute a Transaction](docId\:NMknOvkiPahGVaeV5znxp) documentation.

:::hint{type="info"}
Transfers can be made to any mAccount or Ledger Account; for example if you use both Monoova Domestic and Monoova FX products, you can transfer funds between your Domestic and FX mAccounts.
:::

| **Payment Type**                                       | **Payment Source**             | **Disbursement Object**                                                 |
| ------------------------------------------------------ | ------------------------------ | ----------------------------------------------------------------------- |
| mAccount to mAccount                                   | `"paymentSource" : "mAccount"` | "disbursementMethod": "mAccount",<br />"toMAccount": "6279059700010918" |
| mAccount to Ledger Account or mWallet                  | `"paymentSource" : "mAccount"` | "disbursementMethod": "mWallet",<br />"toMWallet": "6279059700010918"   |
| Ledger Account or mWallet to mAccount                  | `"paymentSource" : "mWallet"`  | "disbursementMethod": "mAccount",<br />"toMAccount": "6279059700010918" |
| Ledger Account or mWallet to Ledger Account or mWallet | `"paymentSource" : "mWallet"`  | "disbursementMethod": "mWallet",<br />"toMWallet": "6279059700010918"   |

### Sample Debit from mAccount

::::CodeDrawer{title="Sample Debit Transaction from an mAccount" isResponseExpanded="true" autoGeneratedAnchorSlug="sample-debit-transaction-from-an-maccount" legacyHash="uISOdpYCJPHn5qHhQgIjZ"}
:::CodeblockTabsExamples
```json
{
  "totalAmount": 100,
  "paymentSource": "mAccount",
  "mAccount": {
    "token": "111111000000000"
  },
  "uniqueReference": "a6b29123-77cf-4d7e-bd5e-d3ed6a4845b0",
  "description": "Example transfer"
}
```
:::

:::CodeblockTabsResponses
```javascript
{
  "durationMs": 30,
  "status": "Ok",
  "statusDescription": "Operation completed successfully",
  "transactionId": 1022,
  "feeAmountExcludingGst": 0.05,
  "feeAmountGstComponent": 0.005,
  "feeAmountIncludingGst": 0.055,
  "callerUniqueReference": "childmaccount123",
  "feeBreakdown": {
    "debitFee": {
      "feeAmountExcludingGst": 0.05,
      "feeAmountGstComponent": 0.005,
      "feeAmountIncludingGst": 0.055
    }
  }
}
```
:::
::::