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Internal transfers

How Money Out routes transfers between Monato accounts book-to-book, without SPEI, and which webhooks you receive.

Internal transfers move money book-to-book between Monato instruments, without SPEI. Settlement is near-real-time.

You do not call a separate endpoint. Since 2026-05-07, Create Money Out transaction detects when the destination instrument belongs to a Monato (Finco Pay) account and routes the transaction internally. No flags or extra fields are needed, and the request body is the same as for any Money Out.

Note:

For new integrations, use POST /v1/transactions/money_out for all outbound transfers, both external (SPEI) and internal. Existing integrations need no changes.

How to tell the routing

The response subCategory shows how the transaction was routed:

subCategory Routing
SPEI_DEBIT External transfer to a non-Finco Pay bank account.
INT_DEBIT Internal transfer to a Finco Pay account.

The API response returns the debit leg, the source side of the transfer.

Webhooks for internal transfers

The credit leg can trigger a MONEY_IN webhook with sub_category INT_CREDIT:

  • It is emitted only when the destination instrument belongs to a different owner_id than the initiator, even if the client_id is the same. owner_id in the event is the receiving owner.
  • Self-transfers under the same client_id and owner_id do not generate a MONEY_IN event. Use the API response or Retrieve a transaction to confirm and reconcile them. Use the dashboard “resend webhook” only when a webhook event exists; self-transfers have nothing to replay.
  • For INT_CREDIT, funds have already moved when the webhook is delivered. The receiver’s HTTP response does not reverse the movement, and a 422 does not trigger a refund.

To distinguish internal from external credits, use sub_category and payer_institution. For internal credits, payer_institution is the Monato internal institution code, for example 90734.

Penny Validation

The dedicated Start Penny Validation operation rejects internal Monato-to-Monato transactions. See Validate a bank account.