POST /transfer/web/bank_limit_check

Check transfer limits for a specific bank via the Dashboard API. Returns the maximum transfer amount allowed per transaction for that bank.

Different banks impose different per-transaction transfer limits for NIP interbank payments. Calling this endpoint before a transfer lets you confirm whether your intended amount is within the recipient bank’s allowed range, avoiding failed transfers and unnecessary OTP consumption. Pass the account number and transfer amount and the API will return whether the amount is within the bank’s allowed limit.

Endpoint

POST https://baasapi.payrepmfb.com/api/v1/transaction/transfer/web/bank_limit_check

Sandbox

POST https://shogun-dev.xchangeboxng.com/api/v1/transaction/transfer/web/bank_limit_check

Authentication

Include your Bearer token in the Authorization header:

Authorization: Bearer <access_token>

Obtain a token by logging in via User Login.

Request body

account_number · string · required

The 10-digit account number of the source account you intend to transfer from. Used to determine the applicable bank and routing type.

amount · string (decimal) · required

The intended transfer amount in NGN as a decimal string — for example, "5000.00". The API checks whether this amount falls within the bank’s per-transaction limit.

Example request

curl --request POST \
  --url https://baasapi.payrepmfb.com/api/v1/transaction/transfer/web/bank_limit_check \
  --header 'Authorization: Bearer <access_token>' \
  --header 'Content-Type: application/json' \
  --data '{
    "account_number": "7801234567",
    "amount": "5000.00"
  }'

Response

A successful response returns the standard envelope with the limit information for the bank in data.

status · boolean

true when the request succeeded.

response_code · string

"00" on success.

message · string

Human-readable status message.

data · object

The bank limit details.

Show data fields

bank_name · string

The full name of the bank associated with the resolved account.

max_transfer_limit · string (decimal)

The maximum amount in NGN that can be sent in a single transaction to or from this bank.

{
  "status": true,
  "response_code": "00",
  "message": "Bank limit fetched successfully",
  "data": {
    "bank_name": "Guaranty Trust Bank",
    "max_transfer_limit": "5000000.00"
  }
}

Error codes

Code	Meaning
00	Success
41	Customer not found — your session token is invalid or expired
80	Service unavailable — the bank provider is temporarily unreachable
83	Provider error — could not determine the limit for the specified bank