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

# Overview

> Move money between your wallets and your linked bank accounts

A transfer (`trf_*`) moves money within your own account: between your [Wallets](/guides/concepts/wallets), or between a wallet and a linked [External account](/guides/concepts/external-accounts).

## Three kinds

* **Deposits** pull funds from a linked bank account into a wallet.
* **Withdrawals** push funds from a wallet back out to a linked bank account.
* **Internal transfers** move funds between two of your own wallets.

## Settlement

Deposits and withdrawals run over ACH and settle asynchronously. Internal transfers land instantly.

## Moving money for customers

Transfers always move money within your own account. To move money for a [customer](/guides/concepts/customers), an authorized agent sends or requests payments on their behalf instead. See [Move money for a customer](/guides/connect/move-money-for-customer).