# Bank Transfer (RTGS/EFT)

## Scope

This applies to scenarios where end users are making a transfer to:

1. Other Domestic (Kenya) Bank Accounts via RTGS
2. Other Domestic (Kenya) Bank Accounts via EFT

**Under what circumstances should end users use RTGS/EFT instead of Pesalink for bank transfer?**

| Use Case                                                                                                                                              | Why RTGS / EFT                                                                                                                                                                                 |
| ----------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Single transfer exceeding KES 999,999                                                                                                                 | <p>RTGS: KES 1B (practical limit: none), with ​real-time irrevocable settlement.</p><p></p><p>EFT: Supports batch processing for large volumes, albeit with delayed settlement (e.g., T+1)</p> |
| B2B payments requiring invoice references, contract IDs, or audit trails                                                                              | <p></p><ul><li>Pesalink lacks metadata support, complicating reconciliation.</li><li>RTGS/EFT provide ​detailed transaction records and comply with corporate governance standards.</li></ul>  |
| <p></p><ul><li>Recipient banks not integrated with Pesalink.</li><li>Corporate accounts barred from using Pesalink (common in B2B contexts)</li></ul> | RTGS/EFT are universally accepted across Kenyan banks, regardless of Pesalink participation                                                                                                    |

### RTGS vs. EFT

<table><thead><tr><th width="247">Scenario</th><th width="180">Recommended Channel</th><th>Rationale</th></tr></thead><tbody><tr><td>Urgent, high-value (>KES 5M)</td><td>RTGS</td><td>Real-time, no cap, and irreversible settlement.</td></tr><tr><td>Non-urgent bulk corporate</td><td>EFT</td><td>Lower fees, batch processing, but delayed settlement (T+1).</td></tr></tbody></table>

## Steps

{% stepper %}
{% step %}

### Initiate Transfer Request

Call endpoint `/trans/largeDomesticInterBankTransfer` to initiate a transfer request

Status: `1-SUBMITTED`
{% endstep %}

{% step %}

### Confirm OTP

Call endpoint `/common/sendOtp` to request for OTP, filling the value of  `applicationId` to `businessId` parameter. Call endpoint `/common/confirmOperation` to confirm the OTP code received.

Status: `2-VALIDATING`

{% hint style="info" %}
The endpoint `/common/sendOtp` can also be used to resend OTP.
{% endhint %}
{% endstep %}

{% step %}

### Bank Validating

Status: `3-APPROVED` or `4-REJECTED`
{% endstep %}

{% step %}

### Bank Processing

Status: `6-IN_TRANSIT`
{% endstep %}

{% step %}

### Get Onboarding Result

* Get it from `0023 - Inter-Bank Fund Transfer Result Notification`
* Query transaction status by calling the endpoint `/trans/getInterBankTransferDetails`
  {% endstep %}
  {% endstepper %}

## Status

<figure><img src="/files/wIKK1X0osbJ7KvLnsrdq" alt=""><figcaption></figcaption></figure>

## Flow

<figure><img src="/files/ZhzGcibXXYYAmGD4G9c9" alt=""><figcaption></figcaption></figure>


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