Banks and Destinations

Supported Destinations

You can send money to bank accounts and Mobile money wallets in the following countries.

Country	Country Tag	Currency	Destinations
Nigeria	NG	NGN	32 Banks
Kenya	KE	KES	46 Banks, 1 Mobile Money
Ghana	GH	GHS	27 Banks, 3 Mobile Money
Tanzania	TZ	TZS	53 Banks
Uganda	UG	UGX	41 Banks
South Africa	ZA	ZAR	11 Banks
Rwanda	RW	RWF	15 Banks
Sierra leone	SL	SLL	14 Banks
Cameroon	CM	XAF	2 Mobile Money
Senegal	SN	XOF	2 Mobile Money
Burkina Faso	BN	XOF	3 Mobile Money
Cote D'ivoire	CD	XOF	3 Mobile Money

A list of Banks and Mobile wallets are available for each country via the API below. Some countries or destinations may require branch information. Branch APIs are provided below.

Bank List

POST https://staging.moneywaveapp.com/v1/banks?country=NG

Returns a list of supported bank names and bank codes for the specified country

Query Parameters

Name	Type	Description
country	string	Country short code - NG, GH, KE
type	string	Destination Type - mobile, pickup

200 A list of Bank and Mobile Money codes and names returned as JSON

{
    "status": "success",
    "message": "banks Fetched",
    "data": {
        "101": "Providus Bank",
        "214": "FIRST CITY MONUMENT BANK PLC",
        "215": "UNITY BANK PLC",
        "221": "STANBIC IBTC BANK PLC",
        "232": "STERLING BANK PLC",
        "301": "JAIZ BANK",
        "304": "Stanbic Mobile",
        "305": "PAYCOM",
        "307": "Ecobank Mobile",
        "309": "FBN MOBILE",
        "311": "Parkway",
        "315": "GTBank Mobile Money",
        "322": "ZENITH Mobile",
        "323": "ACCESS MOBILE",
        "401": "Aso Savings and Loans",
        "601": "FSDH Merchant Bank",
        "044": "ACCESS BANK NIGERIA",
        "014": "AFRIBANK NIGERIA PLC",
        "063": "DIAMOND BANK PLC",
        "050": "ECOBANK NIGERIA PLC",
        "084": "ENTERPRISE BANK LIMITED",
        "070": "FIDELITY BANK PLC",
        "011": "FIRST BANK PLC",
        "058": "GTBANK PLC",
        "030": "HERITAGE BANK",
        "082": "KEYSTONE BANK PLC",
        "076": "SKYE BANK PLC",
        "068": "STANDARD CHARTERED BANK NIGERIA LIMITED",
        "032": "UNION BANK OF NIGERIA PLC",
        "033": "UNITED BANK FOR AFRICA PLC",
        "035": "WEMA BANK PLC",
        "057": "ZENITH BANK PLC"
    }
}

Code Sample

Select a Language above ...

Node.JS

var unirest = require("unirest");
var base_url = "https://staging.moneywaveapp.com";
var query = "?country=NG";
var req = unirest("POST", `${base_url}/v1/banks/${query}`);

req.headers({
  "Content-Type": "application/json"
});
req.type("json");

req.end(function (res) {
  if (res.error) console.log(res.code, res.body);
  else console.log(res.body);
});

PHP

<?php

$curl = curl_init();
$base_url = "https://staging.moneywaveapp.com";
$header = array(
  "Content-Type: application/json",
);
$query = "?country=NG";

curl_setopt_array($curl, array(
  CURLOPT_URL => $base_url . "/v1/banks" . $query,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 180,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_HTTPHEADER => $header,
));

$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);


if ($err) {
  echo "cURL Error #:" . $err;
} else {
  $decodedResponse = json_decode($response, true);

  echo "<pre>"; print_r($decodedResponse);
}

Branch List

POST https://staging.moneywaveapp.com/v1/banks/branch?country=GH&bankcode=300302

Returns a list of supported branch names and branch codes for a specified bank

Query Parameters

Name	Type	Description
country	string	Country short code, ie GH
bankcode	string	Bank code for specified bank

200

{
  "status": "success",
  "message": "branches Fetched",
  "data": {
    "GH080446": "ADB-AGONA NKWANTA",
    "GH080888": "ADB-BOLE",
    "GH080890": "ADB-BUIPE",
    "GH080125": "ADB-DANQUAH CIRCLE",
    "GH080447": "ADB-GREL",
    "GH080889": "ADB-KALADAN",
    "GH080334": "ADB-MANKESSIM",
    "GH080126": "ADB-NIMA",
    "GH080333": "ADB-UCC BRANCH",
    "GH080107": "ADB-INTERNATIONAL BANKING",
    "GH080230": "ADB KADE BRANCH",
    "GH080779": "ADB KENYASI",
    "GH080119": "ADB MAKOLA BRANCH",
    "GH080554": "ADB NKWANTA",
    "GH080118": "ADB SPINTEX ROAD",
    "GH080229": "ADB-ASIAKWA",
    "GH080552": "ADB-HO",
    "GH080127": "ADB-KASOA",
    "GH080128": "ADB-WINNBA",
    "GH080883": "ADB-YENDI",
    "GH080668": "ADB-AMAKOM",
    "GH080665": "ADB-KUMASI CENTRALMARKET",
    "GH080667": "ADB-KUMASI PREMPEH 11 STREET",
    "GH080445": "ADB-TAKORADI HARBOUR",
    "GH080100": "AGRI DEVELOPMENT BANK-HEAD OFFICE",
    "GH080553": "AGRIC DEV BANK-KPANDO",
    "GH080124": "AGRIC DEV BANK-ASHIAMAN",
    "GH080994": "AGRIC DEVELOPMENT BANK  TUMU",
    "GH080996": "AGRIC DEVELOPMENT BANK  WALEWALE",
    "GH081095": "AGRIC DEVELOPMENT BANK-WA",
    "GH080557": "AGRIC DEVELOPMENT BANK-SOGAKOPE",
    "GH080121": "AGRICULTURAL DEV BANK LTD-TEMA MERIDIAN",
    "GH080897": "AGRICULTURAL DEV BANK SAVELUGU",
    "GH080114": "AGRICULTURAL DEV BK-ABEKALAPAZ",
    "GH080102": "AGRICULTURAL DEV BK-ADABRAKAH",
    "GH080116": "AGRICULTURAL DEV BK-ADB HOUSE BRANCH",
    "GH080115": "AGRICULTURAL DEV BK-AGONA SWEDRU",
    "GH080332": "AGRICULTURAL DEV BK-ASSIN FOSO",
    "GH080685": "AGRICULTURAL DEV BK-ATEBUBU",
    "GH080992": "AGRICULTURAL DEV BK-BAWKU",
    "GH080774": "AGRICULTURAL DEV BK-BEREKUM",
    "GH080662": "AGRICULTURAL DEV BK-BKWAI",
    "GH080991": "AGRICULTURAL DEV BK-BOLGATANGA",
    "GH080686": "AGRICULTURAL DEV BK-BONSO NKWANTA",
    "GH080331": "AGRICULTURAL DEV BK-CAPE COAST",
    "GH080106": "AGRICULTURAL DEV BK-CEDI HOUSE",
    "GH080109": "AGRICULTURAL DEV BK-DANSOMAN",
    "GH080555": "AGRICULTURAL DEV BK-DENU",
    "GH080772": "AGRICULTURAL DEV BK-DORMAA AHENKRO",
    "GH080444": "AGRICULTURAL DEV BK-ENCHI",
    "GH080777": "AGRICULTURAL DEV BK-GOASO",
    "GH080108": "AGRICULTURAL DEV BK-GULF HOUSE",
    "GH081151": "AGRICULTURAL DEV BK-HOHOE",
    "GH080556": "AGRICULTURAL DEV BK-JUAPONG",
    "GH080105": "AGRICULTURAL DEV BK-KANESSHIE",
    "GH080221": "AGRICULTURAL DEV BK-KOFORIDUA",
    "GH080111": "AGRICULTURAL DEV BK-KORKORDZOR",
    "GH080661": "AGRICULTURAL DEV BK-KUMASI ADUM",
    "GH080666": "AGRICULTURAL DEV BK-KUMASI ASOKWA",
    "GH080778": "AGRICULTURAL DEV BK-KWAPONG",
    "GH080113": "AGRICULTURAL DEV BK-MADINA",
    "GH080663": "AGRICULTURAL DEV BK-NEW EDUBIASE",
    "GH080223": "AGRICULTURAL DEV BK-NKAWKAW",
    "GH080775": "AGRICULTURAL DEV BK-NKORANSAH",
    "GH080110": "AGRICULTURAL DEV BK-NUNGUA",
    "GH080664": "AGRICULTURAL DEV BK-OBUASI",
    "GH080112": "AGRICULTURAL DEV BK-OSU",
    "GH080101": "AGRICULTURAL DEV BK-RING ROAD CENTRAL",
    "GH080687": "AGRICULTURAL DEV BK-SEFWI ESSAM",
    "GH080684": "AGRICULTURAL DEV BK-SEFWI WIAWSO",
    "GH080222": "AGRICULTURAL DEV BK-SUHUM",
    "GH080771": "AGRICULTURAL DEV BK-SUNYANI",
    "GH080441": "AGRICULTURAL DEV BK-TAKORADI",
    "GH080881": "AGRICULTURAL DEV BK-TAMALE",
    "GH080882": "AGRICULTURAL DEV BK-TAMALE ABOABO",
    "GH080776": "AGRICULTURAL DEV BK-TECHIMAN",
    "GH080103": "AGRICULTURAL DEV BK-TEMA",
    "GH080104": "AGRICULTURAL DEV BK-TESHIE",
    "GH080995": "AGRICULTURAL DEV BK-WA",
    "GH080120": "AGRICULTURAL DEV. BANK-ACCRA NEW TOWN",
    "GH080117": "AGRICULTURAL DEV. BANK-ACHIMOTA",
    "GH080811": "AGRICULTURAL DEV. BANK-SAVELUGU",
    "GH080993": "AGRICULTURAL DEVT BANK-NAVRONGO BRANCH"
  }
}

Verifying Account Numbers

It is important to verify the name attached to an account number before disbursing funds into it, this way you reduce the chances of sending funds to the wrong beneficiary.

To resolve an account number you need the bank code for the Beneficiary bank and the Account number. See the API below on how to verify account numbers.

Account Number Verification is available for Nigerian and Ghanian Banks only.

Resolve Account

POST https://staging.moneywaveapp.com/v1/resolve/account

The bank account number, bank code and currency is passed for verification.

Headers

Name	Type	Description
Authorization	string	Authorization token

Request Body

Name	Type	Description
account_number	string	Beneficiary Account Number
bank_code	string	Destination Bank or Mobile Money Code
currency	string	Destination currency - NGN, KES, GHS

200 Destination Account Name returned as JSON

{
    "status": "success",
    "data": {
        "account_name": "Forrest Green"
    }
}

Code Sample

Select a Language above ...

Node.JS

var unirest = require("unirest");
var base_url = "https://staging.moneywaveapp.com";
var req = unirest("POST", `${base_url}/v1/resolve/account`);

req.headers({
  "Authorization": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpZCI6MSwibmFtZSI6IlRocml2ZSIsImFjY291bnROdW1iZXIiOiIwNjkwMDAwMDAiLCJiYW5rQ29kZSI6IjMwNyIsImlzQWN0aXZlIjp0cnVlLCJlbnZpcm9ubWVudCI6ImxpdmUiLCJjYW5fZ29saXZlIjp0cnVlLCJjb3VudGRvd24iOm51bGwsImNvbXBsaWFuY2UiOjAsImNvZGUiOiJNMSIsInBvc0lkIjoiUDEiLCJlYmlsbElkIjpudWxsLCJpcCI6bnVsbCwiY3JlYXRlZEF0IjoiMjAxNi0wOS0xNlQxMzo0OToyMy4wMDBaIiwidXBkYXRlZEF0IjoiMjAxOC0wMi0wOVQxNDozMDo0Ny4wMDBaIiwiZGVsZXRlZEF0IjpudWxsLCJpYXQiOjE1MzAwMzA2OTcsImV4cCI6MTUzMDAzNzg5N30.zsMrcFJPpg2-H_b3Hr3Rn7pqaQhdYSGTpxO8wPR6TUg",
  "Content-Type": "application/json"
});
req.type("json");
req.send({
  "account_number": "0690000031",
  "bank_code": "044",
  "currency": "NGN",
});

req.end(function (res) {
  if (res.error) console.log(res.code, res.body);
  else console.log(res.body);
});

PHP

<?php

$curl = curl_init();
$base_url = "https://staging.moneywaveapp.com";
$header = array(
  "Authorization: eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJpZCI6MSwibmFtZSI6IlRocml2ZSIsImFjY291bnROdW1iZXIiOiIwNjkwMDAwMDAiLCJiYW5rQ29kZSI6IjMwNyIsImlzQWN0aXZlIjp0cnVlLCJlbnZpcm9ubWVudCI6ImxpdmUiLCJjYW5fZ29saXZlIjp0cnVlLCJjb3VudGRvd24iOm51bGwsImNvbXBsaWFuY2UiOjAsImNvZGUiOiJNMSIsInBvc0lkIjoiUDEiLCJlYmlsbElkIjpudWxsLCJpcCI6bnVsbCwiY3JlYXRlZEF0IjoiMjAxNi0wOS0xNlQxMzo0OToyMy4wMDBaIiwidXBkYXRlZEF0IjoiMjAxOC0wMi0wOVQxNDozMDo0Ny4wMDBaIiwiZGVsZXRlZEF0IjpudWxsLCJpYXQiOjE1MzAwMzA2OTcsImV4cCI6MTUzMDAzNzg5N30.zsMrcFJPpg2-H_b3Hr3Rn7pqaQhdYSGTpxO8wPR6TUg",
  "Content-Type: application/json",
);
$body = array(
  "account_number" => "0690000031",
  "bank_code" => "044",
  "currency" => "NGN",
);

curl_setopt_array($curl, array(
  CURLOPT_URL => $base_url . "/v1/resolve/account",
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 180,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_POSTFIELDS => json_encode($body),
  CURLOPT_HTTPHEADER => $header,
));

$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  $decodedResponse = json_decode($response, true);

  echo "<pre>"; print_r($decodedResponse);
}

Moneywave API requests require an Authorization Token. See how to get one here.