Withdraw from member wallet

Debit a member’s currency wallet to a bank account

POST api/members/{id}/wallet/withdraw

{
    "amount": 5000,
    "bank_name": "Access Bank",
    "account_name": "John Doe",
    "account_number": "0690000004",
    "currency": "NGN"
}

{
    "status": "success",
    "message": "Withdrawal request created successfully.",
    "data": {
        "withdrawalRequest": {
            "_id": "665f0c2e9a1b2c0012ab77ef",
            "owner": "651bd2a49a1b2c0012cc55dd",
            "owner_model": "user",
            "reference": "GETXN_PAYOUT_K92JD0PLM",
            "amount": 5000,
            "disburse_amount": 4975,
            "fee": 25,
            "currency": "NGN",
            "bank": "665f0c2e9a1b2c0012ab7700",
            "status": "Pending",
            "actioned_on": null,
            "createdAt": "2026-07-04T10:18:10.442Z",
            "updatedAt": "2026-07-04T10:18:10.442Z"
        },
        "bank": {
            "_id": "665f0c2e9a1b2c0012ab7700",
            "name": "Access Bank",
            "code": "044",
            "account_number": "0690000004",
            "account_name": "JOHN DOE",
            "currency": "NGN"
        }
    }
}

{
    "status": "failed",
    "message": "Insufficient NGN balance. Available: 1200, requested: 5000."
}

Debits a member’s currency wallet (the member is identified by id in the path). The request is created as Pending and the tokens are moved into escrow; it still needs to be approved before funds are disbursed.

The balance and escrow are the member’s, and owner_model is user (versus organisation for the organisation withdrawal). The withdrawal.created webhook still fires to your organisation.

disburse_amount = amount − fee, where fee is the withdrawal fee from your *_WITHDRAWAL_FEE config.

id · string · required

The member’s user ID.

{
    "amount": 5000,
    "bank_name": "Access Bank",
    "account_name": "John Doe",
    "account_number": "0690000004",
    "currency": "NGN"
}

amount · number · required

The amount to withdraw. Must be ≥ 1, ≤ the member’s currency wallet balance, and ≥ MINIMUM_WITHDRAWAL_<CUR>.

bank_name · string · required

Matched against Flutterwave’s bank list to resolve the code — pass the full name (e.g. Guaranty Trust Bank, not GTBank).

account_name · string · required

The account holder’s name. For NGN it is replaced with Flutterwave’s resolved name when available.

account_number · string · required

The destination account number.

currency · string · required

The withdrawal currency. One of NGN, KES, GHS, ZAR, UGX, TZS.

{
    "status": "success",
    "message": "Withdrawal request created successfully.",
    "data": {
        "withdrawalRequest": {
            "_id": "665f0c2e9a1b2c0012ab77ef",
            "owner": "651bd2a49a1b2c0012cc55dd",
            "owner_model": "user",
            "reference": "GETXN_PAYOUT_K92JD0PLM",
            "amount": 5000,
            "disburse_amount": 4975,
            "fee": 25,
            "currency": "NGN",
            "bank": "665f0c2e9a1b2c0012ab7700",
            "status": "Pending",
            "actioned_on": null,
            "createdAt": "2026-07-04T10:18:10.442Z",
            "updatedAt": "2026-07-04T10:18:10.442Z"
        },
        "bank": {
            "_id": "665f0c2e9a1b2c0012ab7700",
            "name": "Access Bank",
            "code": "044",
            "account_number": "0690000004",
            "account_name": "JOHN DOE",
            "currency": "NGN"
        }
    }
}

{
    "status": "failed",
    "message": "Insufficient NGN balance. Available: 1200, requested: 5000."
}

Errors

HTTP	Message (example)	When
400	Insufficient NGN balance. Available: 1200, requested: 5000.	Wallet balance < amount (checked before anything else).
400	Cannot withdraw less than 1000 NGN	Below MINIMUM_WITHDRAWAL_<CUR>.
400	child "Currency" fails because ["Currency" must be one of [NGN, KES, GHS, ZAR, UGX, TZS]]	Unsupported/invalid currency.
400	Withdrawals with automatic bank resolution are not supported for USD. Supported currencies: NGN, GHS, KES, ZAR, UGX, TZS.	Currency has no Flutterwave bank list.
404	Could not find a bank matching "Acess Bank" for NGN. Please check the bank name and try again.	bank_name didn’t match Flutterwave’s list.
404	User not found	Invalid id.
502	Could not fetch the bank list from our payment provider. Please try again later.	Flutterwave banks call failed.