{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-sidebars.yaml","oas-openapi/api.yaml":"oas-openapi/api.yaml"},"props":{"metadata":{"markdoc":{"tagList":["openapi-code-sample","json-schema"]},"type":"markdown"},"seo":{"title":"7. Withdrawals","description":"Fondo is the ground breaking open finance platform that lets you focus on what matters","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":["openapi"],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"7-withdrawals","__idx":0},"children":["7. Withdrawals"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["There are two ways to withdraw money from a customer's account, depending on whether the cash is already available."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"cash-withdrawal","__idx":1},"children":["Cash withdrawal"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If the account has sufficient cash balance, use the withdrawal endpoint to pay out directly to the customer's validated bank account."," ","A ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["bankAccount"]}," may be connected through the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["addBankAccount"]}," ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/guides/api-guide/getting-started/autogiro-payments"},"children":["journey"]}," or during allocation plan or savingsplan setup. Money arrives within 1-2 business days."]},{"$$mdtype":"Tag","name":"OpenApiCodeSample","attributes":{"descriptionFile":"oas-openapi/api.yaml","operationId":"createWithdrawal","parameters":{},"environments":{}},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"withdrawal-request-schema","__idx":2},"children":["Withdrawal request schema"]},{"$$mdtype":"Tag","name":"JsonSchema","attributes":{"schema":{"$ref":"../../../openapi/models/transaction/withdrawal_request.yaml"},"options":{},"schemaResolved":{"openapi":"3.1.0","components":{"schemas":{"__root":{"$ref":"#/components/schemas/withdrawal_request"},"uuid":{"$id":"/models/uuid.yaml","title":"UUID","type":"string","example":"49ad7378-121c-4a53-9894-dfd14a7b4877","pattern":"^[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}$"},"fee_types":{"$id":"/models/transaction/fee_types.yaml","title":"feeType","type":"string","description":"- `client_fee_oneoff` — One-off fee\n- `client_fee_ongoing` — Ongoing fee\n- `client_fee_transaction` — Transactional fee\n- `client_fee_performance` — Performance fee\n- `client_fee_other` — Other fee\n","enum":["client_fee_oneoff","client_fee_ongoing","client_fee_transaction","client_fee_performance","client_fee_other"]},"client_ref":{"$id":"/models/common/client_ref.yaml","type":"string","title":"client reference","description":"Client applied ref","example":"my_order_123"},"executor_ref":{"$id":"/models/common/executor_ref.yaml","type":"string","title":"executor reference","description":"SSN of the individual executing the operation. On write operations, validated against the account owner's SSN — requests with a mismatched value are rejected.\n\nThe partner is responsible for verifying the executor's identity (e.g. via BankID) before including this value.\n","example":"197001010003"},"withdrawal_request":{"$id":"/models/transaction/withdrawal_request.yaml","type":"object","title":"withdrawal","description":"Withdrawal","required":["amount","executorRef","withdrawalType"],"properties":{"clientRef":{"$ref":"#/components/schemas/client_ref"},"executorRef":{"$ref":"#/components/schemas/executor_ref"},"amount":{"type":"number","description":"Transaction amount"}},"oneOf":[{"type":"object","title":"bank_payout","description":"Payout to customers bank account","required":["bankAccount"],"properties":{"withdrawalType":{"type":"string","const":"bank_payout","title":"bank_payout","description":"Payout to customers bank account"},"bankAccount":{"$ref":"#/components/schemas/uuid","description":"ID of bank account from `account` schema"}}},{"type":"object","title":"fee_charge","description":"Charge of fee to customers account","required":["feeType"],"properties":{"withdrawalType":{"type":"string","const":"fee_charge","title":"fee_charge","description":"Charge of fee to customers account"},"feeType":{"$ref":"#/components/schemas/fee_types"}}}]}}}},"schemaResolvedErrors":[]},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"order-withdrawal-sell-and-pay-out","__idx":3},"children":["Order withdrawal (sell and pay out)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When the customer wants to sell fund units ",{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["and"]}," withdraw the proceeds in one step, use the order withdrawal endpoint. This combines what would otherwise be two separate calls (redeem + withdraw) into one. Once the redemption settles, a bank payout is automatically triggered."]},{"$$mdtype":"Tag","name":"OpenApiCodeSample","attributes":{"descriptionFile":"oas-openapi/api.yaml","operationId":"createOrderWithdrawal","parameters":{},"environments":{}},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Like regular orders, you can dry-run with ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["?validate-only"]},"."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"order-withdrawal-request-schema","__idx":4},"children":["Order withdrawal request schema"]},{"$$mdtype":"Tag","name":"JsonSchema","attributes":{"schema":{"$ref":"../../../openapi/models/order/withdrawal.yaml"},"options":{},"schemaResolved":{"openapi":"3.1.0","components":{"schemas":{"__root":{"$ref":"#/components/schemas/withdrawal"},"uuid":{"$id":"/models/uuid.yaml","title":"UUID","type":"string","example":"49ad7378-121c-4a53-9894-dfd14a7b4877","pattern":"^[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}$"},"executor_ref":{"$id":"/models/common/executor_ref.yaml","type":"string","title":"executor reference","description":"SSN of the individual executing the operation. On write operations, validated against the account owner's SSN — requests with a mismatched value are rejected.\n\nThe partner is responsible for verifying the executor's identity (e.g. via BankID) before including this value.\n","example":"197001010003"},"withdrawal":{"$id":"/models/order/order_redemption_withdrawal.yaml","type":"object","description":"redemption order with withdrawal","title":"redemption order for withdrawal","required":["account","instrument","units","executorRef"],"properties":{"orderType":{"type":"string","enum":["redemption"]},"account":{"$ref":"#/components/schemas/uuid","description":"Account ID"},"clientRef":{"type":"string","description":"Client applied ref","example":"my_order_123"},"executorRef":{"$ref":"#/components/schemas/executor_ref"},"instrument":{"type":"string","example":"US64110L1061USD","description":"Fondo instrument ID"},"units":{"type":"number","example":1000,"description":"Number of units. 7 decimals"},"paymentAccount":{"$ref":"#/components/schemas/uuid","description":"Payment account ID to create bank payout for. **Deprecated: Use bankAccount instead.**","deprecated":true},"bankAccount":{"$ref":"#/components/schemas/uuid","description":"Bank account ID to create bank payout for. Required."}}}}}},"schemaResolvedErrors":[]},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"next-steps","__idx":5},"children":["Next steps"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Real-time updates"]}," — connect a ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/guides/api-guide/subscriptions"},"children":["WebSocket subscription"]}," to receive live events for orders, transactions, and journeys instead of polling."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["API Reference"]}," — see the full ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/openapi/api/section/overview"},"children":["API Reference"]}," for all available endpoints and schemas."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["API Fundamentals"]}," — read about ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/guides/api-guide/api-fundamentals"},"children":["General API setup"]}," for details on sandbox, NPC, and production."]}]}]},"headings":[{"value":"7. Withdrawals","id":"7-withdrawals","depth":1},{"value":"Cash withdrawal","id":"cash-withdrawal","depth":2},{"value":"Withdrawal request schema","id":"withdrawal-request-schema","depth":3},{"value":"Order withdrawal (sell and pay out)","id":"order-withdrawal-sell-and-pay-out","depth":2},{"value":"Order withdrawal request schema","id":"order-withdrawal-request-schema","depth":3},{"value":"Next steps","id":"next-steps","depth":2}],"frontmatter":{"seo":{"title":"7. Withdrawals"}},"lastModified":"2026-06-05T10:00:04.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/guides/api-guide/getting-started/withdrawals","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}