# Pay Out to a Bank

> Coming soon, upon request — this feature is turned on for your tenant by the Aurea team. [Contact us](https://www.aureahub.com/contact)

Send euros from the user's EUR account to a bank account by SEPA transfer: EURe leaves their smart account, euros reach the IBAN.

## Overview

- Send what [Payout Message](https://docs.aureahub.com/docs/cards-payout-message.md) answered: the same `amount`, `destinationIban` (`resolvedIban`) and `message`, with the user's `signature` of it, and the same `isTestnet`.
- Optional: `recipientFirstName` and `recipientLastName` (otherwise the names of the user's card program account), and `memo`, the payment reference on the recipient's statement (up to 140 characters).
- `201` with the order: `orderId`, `status` — the order's state as the issuer answered it, `pending` when it gave none —, `amount` and `destinationIban`.
- An optional `Idempotency-Key` makes a retry safe ([Idempotency](https://docs.aureahub.com/docs/idempotency.md)).

## Refusals

- `422`: no smart account; the balance does not cover the amount (`Insufficient EURe balance…`, with the balance when known); the issuer's own reason for refusing the order; or a message starting `EUR_ACCOUNT_AUTHORIZATION_REQUIRED:` — the signing address belongs to an EUR account the user must consent to: activate it through the consent page ([Authorization Link](https://docs.aureahub.com/docs/cards-iban-authorize.md)) and try again.
- `503` until your tenant's EUR account access is set up; `423` when a freeze stops the user, the wallet or your tenant from signing.

## Endpoint

### `POST /v1/gnosis/payout`

Authentication: bearer token required.

Places a payout order from the user's EUR account to a bank account.

**Headers**

| Name | Type | Required | Description |
| --- | --- | --- | --- |
| `Idempotency-Key` | string | no | Optional — required for a tenant on the institutional security profile (`400` `IDEMPOTENCY_KEY_REQUIRED` without it). Up to 255 letters, digits, - or _. The same key with the same request answers with the first answer (`idempotency-replayed: true`) instead of running it again; see [Idempotency](https://docs.aureahub.com/docs/idempotency.md) |
| `X-External-Tx-Id` | string | no | Optional — your own id for the operation this call starts: 1 to 255 letters, digits, `_`, `.`, `:` or `-`, unique in your tenant for ever. Read where your tenant has operation records [Coming soon, upon request](https://docs.aureahub.com/docs/feature-availability.md); otherwise it is not read. An id another operation of your tenant holds answers `409` `EXTERNAL_TX_ID_REUSED` before anything is signed or sent; see [Idempotency](https://docs.aureahub.com/docs/idempotency.md) › Your Own Operation Id |

**Request body**

| Name | Type | Required | Description |
| --- | --- | --- | --- |
| `amount` | string | yes | Euros, as in the payout message |
| `destinationIban` | string | yes | The IBAN of the payout message (`resolvedIban`) |
| `message` | string | yes | The payout message, unchanged |
| `signature` | string | yes | Its `personal_sign` signature, `0x` hex |
| `isTestnet` | boolean | no | As in the payout message |
| `recipientFirstName` | string | no | The recipient's first name |
| `recipientLastName` | string | no | The recipient's last name |
| `memo` | string | no | Payment reference, 1 to 140 characters |

**Responses**

`201` Placed

```json
{
  "orderId": "b7e4c1d2-…",
  "status": "pending",
  "amount": "10.00",
  "destinationIban": "IT60X0542811101000000123456"
}
```

`422` Balance Too Low

```json
{
  "error": "ValidationError",
  "message": "Insufficient EURe balance. Available: 4.20 EUR."
}
```

**Example request**

```bash
curl -X POST https://api.aureahub.com/v1/gnosis/payout \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Idempotency-Key: payout-7c1e" \
  -H "Content-Type: application/json" \
  -d '{"amount": "10.00", "destinationIban": "IT60X0542811101000000123456", "message": "Send EUR 10.00 to IT60X0542811101000000123456 at 2026-10-14T09:00:00.000Z", "signature": "0x…", "memo": "Rent October"}'
```

---

Web version: https://docs.aureahub.com/#cards-payout