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Money Movement
Internal Transfers

Instant transfers on a single bank ledger

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Move funds between accounts held at Lead in real time, using transfers that settle directly on Lead’s ledger. Internal Transfers are built for flow-of-funds across accounts, without the need for external payment rails.

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Instant money movement

Move funds between your accounts in seconds, eliminating the need for external payment rails and settlement windows.

Always-on banking

With multiple accounts held at Lead, moving money between them is always available, 24 hours a day, seven days a week.

Transparent lifecycle

Transfers automatically retry transient failures and return a final status only once processing is complete, giving your systems a definitive outcome every time.

Real-time status updates

Webhook notifications fire the moment a transfer posts or is rejected.

01

Instant money movement

Move funds between your accounts in seconds, eliminating the need for external payment rails and settlement windows.

02

Always-on banking

With multiple accounts held at Lead, moving money between them is always available, 24 hours a day, seven days a week.

03

Transparent lifecycle

Transfers automatically retry transient failures and return a final status only once processing is complete, giving your systems a definitive outcome every time.

04

Real-time status updates

Webhook notifications fire the moment a transfer posts or is rejected.

The fastest way to move your money

Because Internal Transfers happen within Lead’s infrastructure, your team can manage account flows without introducing an external payment rail or third-party dependency. A single banking partner gives you control over the movement of funds across your accounts without cutoffs, intermediaries, or delays.

Treasury flow built into your platform

Shift balances between operating and reserve accounts on your own schedule. Internal Transfers give your product the control to move money where it needs to be, when it needs to be there.

Explore API docs

Build directly on Lead’s developer-first banking infrastructure. Our APIs are designed for straightforward integration, with the flexibility to scale as your product evolves.

Create Internal Transfer
List All Internal Transfers
Retrieve Internal Transfer
curl --request POST \
  --url https://api.sandbox.lead.bank/v1/internal_transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "amount": 5000,
  "currency_code": "USD",
  "sender_account_number_id": "account_number_xyz123",
  "receiver_account_number_id": "account_number_xyz123",
  "description": "Internal treasury transfer",
  "metadata": {}
}
'

curl --request GET \
  --url 'https://api.sandbox.lead.bank/v1/internal_transfer?limit=10' \
  --header 'Authorization: Bearer <token>'

curl --request GET \
  --url https://api.sandbox.lead.bank/v1/internal_transfer/{internal_transfer_id} \
  --header 'Authorization: Bearer <token>'
Read Documentation

Explore ways 
Internal Transfers
can be used.

Neobanks

Earn top-of-wallet status with your users