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POST
/
v0
/
ach-transfer
Move money externally
curl --request POST \
  --url https://api.getlemma.com/v0/ach-transfer \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "source_account_id": "<string>",
  "destination_account_id": "<string>",
  "amount": 123,
  "description": "<string>"
}
'
{
  "id": "transaction_Qw4mLn7hVx8pTk3r",
  "account_id": "account_Rv4nBt8xKw2pMh6s",
  "amount": -150000,
  "occurred_at": "2026-03-15T14:30:00Z",
  "counterparty": {
    "type": "external_account",
    "external_account": {
      "external_account_id": "external_account_Bx5nTm8hKw3pVd7c"
    }
  }
}
Creates a transfer from a Lemma account to a saved recipient — an external bank account registered in Lemma. External transfers are sent via ACH and typically settle within 1-2 business days.
Transfers over $100,000 are held for manual review by the Lemma team as a security measure to protect your accounts in the event of a compromised API key. Need higher limits? Contact us.

​
Request body

​
source_account_id
string
required
The ID of the Lemma account to send money from.
​
destination_account_id
string
required
The ID of a saved recipient. You cannot send money to an arbitrary bank account — it must be a pre-registered recipient belonging to your provider.
​
amount
integer
required
The amount to transfer in cents. Must be greater than zero.
​
description
string
A memo or description for the transfer. Appears on the sender’s transaction history.

​
Response

Returns the created transaction object.
​
id
string
Unique identifier for the transaction.
​
account_id
string
The ID of the bank account this transaction belongs to.
​
amount
integer
The transaction amount in cents. Negative (debit) on the source account.
​
occurred_at
string
ISO 8601 timestamp of when the transaction occurred.
​
counterparty
object
The other party in the transaction.
{
  "id": "transaction_Qw4mLn7hVx8pTk3r",
  "account_id": "account_Rv4nBt8xKw2pMh6s",
  "amount": -150000,
  "occurred_at": "2026-03-15T14:30:00Z",
  "counterparty": {
    "type": "external_account",
    "external_account": {
      "external_account_id": "external_account_Bx5nTm8hKw3pVd7c"
    }
  }
}