Submit Fund Transaction

### Submit a deposit or withdrawal request for an account. **Available to:** All authenticated users **Environments:** Live **[Rate Limit](/overview/core-concepts/rate-limits):** No endpoint-specific limit Submit a funding request against a live account. Set `outgoing` to `false` for a deposit or `true` for a withdrawal. The request creates a fund transaction that moves through the standard funding review workflow, and the response returns the created `fundTransaction` record. Account holders can submit requests for their own accounts. Organization administrators can submit on behalf of customer accounts in their organization. **Field Details** The `fundCurrencyId` must correspond to one of the supported currencies: USD, EUR, AUD, GBP, or CAD. Currency IDs are environment-specific — use the `/currency/list` endpoint to retrieve valid IDs. Leave the fee fields (`feePaymentType`, `feeAmount`, `feeCurrencyId`, `feeDescription`) empty. Any applicable transaction fee is looked up automatically from the account's fee schedule. Custom fees are reserved for internal administrators, and requests that include them are rejected. Set `fullBalance` to `true` on a withdrawal to request the account's entire balance. **`fundPaymentType` Values** | Value | Meaning | |-------|---------| | `WTR` | Wire deposit | | `WTS` | Wire withdrawal — requires `bankAccountId` | | `ACHR` | ACH deposit — requires an approved ACH application on the account | | `ACHS` | ACH withdrawal — requires an approved ACH application on the account | | `CKR` | Check deposit — USD only | | `CKS` | Check withdrawal — no longer supported; requests are rejected | | `DCR`, `DCS` | (Internal) Debit card transactions. Set automatically by the system through the debit card funding flow. These values are not intended for partner workflows. | | `BOOKR`, `BOOKS` | (Internal) Book transfers. Set automatically by the system. These values are not intended for partner workflows. | | `SHR`, `SHS` | (Internal) Shadow fund transactions. Set automatically by [`submitShadowFundTransaction`](/api/rest-api-endpoints/funds/submit-shadow-fund-transaction) and [`submitManagedFundTransaction`](/api/rest-api-endpoints/funds/submit-managed-fund-transaction). Requests using these values are rejected on this endpoint. | | `CKF`, `WTF`, `TF`, `TT`, `FX`, `XFR`, `MDF`, `FPR` | (Internal) Legacy transaction type codes that can appear on historical fund transaction records. No current funding workflow submits them — use the documented types above for new requests. | **Funds in Transit** If your organization has Funds in Transit enabled with a tradable cap configured, qualifying ACH deposits (`ACHR`) may be processed as in-transit transactions: the deposit amount, up to the organization's remaining cap, becomes tradable immediately while the transfer settles. In-transit funds are tradable but not withdrawable. Deposits that don't qualify follow standard processing. **Common Failure Scenarios** - Account is closed or restricted - Caller is neither the account holder nor an organization administrator - Withdrawal amount exceeds the account's available margin excess - `ACHR` or `ACHS` submitted without an approved ACH application - Custom fee fields included by a non-administrator - Payment type is reserved for system use (`DCR`, `DCS`, `BOOKR`, `BOOKS`, `SHR`, `SHS`) or targets a shadow account - A pending `submitFundTransaction` request already exists for the account **Error Messages** | `errorText` | Trigger | |-------------|---------| | `"You are not authorized to perform this operation"` | Caller is neither the account holder nor an organization administrator | | `"Account not open for funding"` | Account is closed or restricted | | `"The selected currency is not supported. Please select either USD, EUR, AUD, or GBP."` | `fundCurrencyId` is not a supported currency | | `"You do not have sufficient margin excess to place this request. Please decrease the amount."` | Withdrawal exceeds available funds (`errorCode: InsufficientFunds`) | | `"Insufficient funds for transaction fees"` | Funds-in-transit deposit can't cover the transaction fee (`errorCode: InsufficientFunds`) | | `"Custom fee is not allowed in fund requests."` | Fee fields included by a non-administrator | | `"There are no approved ACH applications. Please submit a new ACH application under Transfers & Payments, Add ACH Account."` | `ACHR`/`ACHS` without an approved ACH application (`errorCode: AchNoApprovedApplications`) | | `"Check deposits must be in US dollars."` | `CKR` with a non-USD currency | | `"Check withdrawals are no longer supported. Please select another withdrawal option."` | `fundPaymentType` is `CKS` | | `"Not supported"` | Shadow account, shadow payment type, or a system-reserved payment type submitted by a non-administrator | | `"Pending submitFundTransaction request already exists for this account."` | A concurrent request is still processing (`errorCode: ConcurrentRequestRejected`) | **Related Endpoints** - Use [`inTransitFundTransaction`](/api/rest-api-endpoints/funds/in-transit-fund-transaction) to record a wire deposit that has been initiated but hasn't settled yet. - Use [`submitFundConversion`](/api/rest-api-endpoints/funds/submit-fund-conversion) to convert cash between currencies within an account. - Use [`adjustCash`](/api/rest-api-endpoints/funds/adjust-cash) to manage simulated balances on demo accounts.