Instant and free internal transfers

Transfer funds between your financial accounts at Kobana in seconds, at no cost and 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

Main benefits

Instant

Transfers between Kobana accounts are processed immediately. The amount is available in the destination account in seconds.

No costs

Internal transfers have no fees. Transfer between your accounts as many times as needed 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 dependence on banking hours.

Any time
Weekends
Holidays included

Complete traceability

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

Record 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, 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 amounts according to projects.

Benefícios:

Per-project visibility
Resource control
Financial organization

Balance equalization

One account with low balance while another has excess? Transfer to equalize. Instant and at no cost.

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 creating internal transfers programmatically.

View complete 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"
  }
}