> ## Documentation Index
> Fetch the complete documentation index at: https://docs.sendpadi.com/llms.txt
> Use this file to discover all available pages before exploring further.

# List banks

> List banks for local transfers. Use each bank’s `code` as `toBankCode` on verify/create. OPay is `100004`. Scope: `transfers:read`.

> [!NOTE]
>
> Flow: **List banks** → **Verify account** → **Local transfer**. Sign GET with an empty body.


## OpenAPI

````yaml GET /api/v1/merchant/transfers/banks
openapi: 3.1.0
info:
  title: SendPadi Merchant API
  version: 1.0.0
  description: >-
    Merchant REST API. Authenticate with HMAC headers (`X-Api-Key`,
    `X-Timestamp`, `X-Signature`). Generate playground headers with [Sign
    requests (playground)](/guides/sign-requests).
servers:
  - url: https://api.sendpadi.com
    description: Production (test + live keys)
security: []
paths:
  /api/v1/merchant/transfers/banks:
    get:
      tags:
        - transfers
      summary: List banks
      description: >-
        List banks for local transfers. Use each bank’s `code` as `toBankCode`
        on verify/create. OPay is `100004`. **Scope:** `transfers:read`.
      operationId: api-reference_transfers_list-banks
      parameters:
        - name: X-Timestamp
          in: header
          required: true
          description: Unix time in seconds
          schema:
            type: string
        - name: X-Signature
          in: header
          required: true
          description: HMAC-SHA256 signature
          schema:
            type: string
        - name: country
          in: query
          required: false
          schema:
            type: string
            enum:
              - Nigeria
              - Ghana
              - Kenya
              - South Africa
            description: Country (default Nigeria)
          example: Nigeria
          description: Country (default Nigeria)
      responses:
        '200':
          description: OK
          content:
            application/json:
              schema:
                type: object
                additionalProperties: true
              example:
                success: true
                data:
                  country: Nigeria
                  banks:
                    - code: '100004'
                      name: OPay
                      logo: >-
                        https://transsnet-android-upload-image-prod.s3.amazonaws.com/activity/17090132334317-OPAY.png
                      active: true
                    - code: '033'
                      name: United Bank for Africa
                      logo: >-
                        https://transsnet-android-upload-image-prod.s3.amazonaws.com/activity/167956494622416-uba.png
                      active: true
              examples:
                success:
                  summary: Success
                  value:
                    success: true
                    data:
                      country: Nigeria
                      banks:
                        - code: '100004'
                          name: OPay
                          logo: >-
                            https://transsnet-android-upload-image-prod.s3.amazonaws.com/activity/17090132334317-OPAY.png
                          active: true
                        - code: '033'
                          name: United Bank for Africa
                          logo: >-
                            https://transsnet-android-upload-image-prod.s3.amazonaws.com/activity/167956494622416-uba.png
                          active: true
      security:
        - ApiKeyAuth: []
components:
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: X-Api-Key
      description: API key id (sp_test_… / sp_live_…)

````

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