Instant and free transfers between accounts

Transfer funds between your financial accounts at Kobana in seconds, at no cost with centralized control. Ideal for sub-account management and cash flow.

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Instant

between your accounts

<1s

processing time

24/7

availability

100%

traceability

Key benefits

Instant

Transfers between Kobana accounts are processed immediately. The funds are available in the destination account within seconds.

No costs

Internal transfers have no fees. Transfer between your accounts as many times as you need without worrying about costs.

Centralized control

View all your accounts in one place. Move funds between them with just a few clicks.

Detailed features

Available 24/7

Internal transfers work at any time, every day. No banking hours dependency.

Any time
Weekends
Holidays included

Complete traceability

Each transfer is recorded in both accounts' statements. Complete history for audits.

Recorded in both accounts
Permanent history
Advanced filters

Sub-account management

Create accounts for branches, projects or departments. Distribute resources in an organized way.

Accounts per branch
Accounts per project
Accounts per department

Use cases

Branch management

Your company has headquarters and branches? Every month, the headquarters transfers operational budget to each branch instantly.

Benefícios:

Immediate resources
No TED/PIX dependency
Centralized control

Project allocation

Create an account for each project. When you receive payments, distribute the amounts according to the projects.

Benefícios:

Project visibility
Resource control
Financial organization

Balance equilibrium

One account with low balance while another has excess? Transfer to balance. Instant and free.

Benefícios:

On-demand liquidity
Zero costs
Cash management

Contingency reserve

Keep a separate reserve for emergencies. Periodically transfer a portion of the balance.

Benefícios:

Organized reserve
Easily accessible
Financial discipline

Automate transfers via API

For companies that need full automation, our API allows you to create internal transfers programmatically.

See full API documentation

json

POST /v2/transfer/internal

{
  "amount": 10000.00,
  "financial_account_uid": "0199bc7f-daac-772b-9344-ac6fcc861696",
  "transfer_purpose": "98",
  "internal": {
    "agency_number": "0001",
    "agency_digit": "9",
    "account_number": "123456",
    "account_digit": "0"
  },
  "beneficiary": {
    "name": "Sao Paulo Branch",
    "document_number": "12.345.678/0002-90"
  },
  "external_id": "monthly-allocation-sp-001",
  "tags": ["branch", "monthly"]
}

response

{
  "status": 201,
  "data": {
    "uid": "0199bc7f-dab9-7bc3-8115-91c6694c14b3",
    "status": "pending",
    "registration_status": "pending",
    "amount": 10000.00,
    "financial_account_uid": "0199bc7f-daac-772b-9344-ac6fcc861696",
    "external_id": "monthly-allocation-sp-001",
    "tags": ["branch", "monthly"],
    "target": {
      "beneficiary": {
        "name": "Sao Paulo Branch",
        "document_number": "12.345.678/0002-90"
      },
      "internal": {
        "agency_number": "0001",
        "agency_digit": "9",
        "account_number": "123456",
        "account_digit": "0"
      },
      "transfer_kind": "internal"
    },
    "transfer_purpose": {
      "code": "98",
      "description": "Miscellaneous Payments"
    },
    "created_at": "2025-01-15T14:30:00Z",
    "updated_at": "2025-01-15T14:30:00Z"
  }
}