> ## 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.

# Deposit and withdraw

> Transfer from an external account.

Move money between a linked bank account and your Natural wallet. A deposit pulls funds in, a withdrawal pushes funds out. Both settle asynchronously.

<Snippet file="shared/prerequisites.mdx" />

<Snippet file="shared/mcp-callout.mdx" />

<Note>
  Link a bank account in the dashboard first. Natural connects it through Plaid and returns an
  `eac_` id you pass on every deposit and withdrawal. Working with a customer's bank account
  instead? See [Link a customer's bank account](/guides/connect/link-customer-bank).
</Note>

<Snippet file="shared/cents-note.mdx" />

## Deposit into a wallet

Pull money from the bank into a wallet with [`POST /transfers/deposit`](/api-reference/transfers/initiate-deposit). Funds land in your default wallet unless you name another.

<CodeGroup>
  ```python Python theme={null}
  import uuid
  from naturalpay import Natural

  client = Natural()
  deposit = client.transfers.initiate_deposit(
      amount=50_000,
      currency="USD",
      external_account_id="eac_550e8400e29b41d4a716446655440000",
      description="Wallet top-up",
      idempotency_key=str(uuid.uuid4()),
  )
  print(deposit.data.id)
  ```

  ```typescript TypeScript theme={null}
  import Natural from "@naturalpay/sdk";

  const client = new Natural();
  const deposit = await client.transfers.initiateDeposit({
    amount: 50_000,
    currency: "USD",
    externalAccountId: "eac_550e8400e29b41d4a716446655440000",
    description: "Wallet top-up",
    idempotencyKey: crypto.randomUUID(),
  });
  console.log(deposit.data.id);
  ```

  ```bash CLI theme={null}
  natural transfers initiateDeposit \
    --amount 50000 \
    --currency USD \
    --external-account-id eac_550e8400e29b41d4a716446655440000 \
    --description "Wallet top-up" \
    --idempotency-key "$(uuidgen)"
  ```

  ```text MCP theme={null}
  Deposit $500 into my wallet from my linked bank account.
  ```

  ```bash cURL theme={null}
  curl -X POST https://api.natural.com/transfers/deposit \
    -H "Authorization: Bearer $NATURAL_API_KEY" \
    -H "Idempotency-Key: $(uuidgen)" \
    -H "Content-Type: application/json" \
    -d '{
      "data": {
        "attributes": {
          "amount": 50000,
          "currency": "USD",
          "externalAccountId": "eac_550e8400e29b41d4a716446655440000",
          "description": "Wallet top-up"
        }
      }
    }'
  ```
</CodeGroup>

## Withdraw to a bank account

Push money from a wallet to the bank with [`POST /transfers/withdraw`](/api-reference/transfers/initiate-withdrawal). Natural pulls from your default wallet unless you name another, and the wallet needs enough available balance to cover it.

<CodeGroup>
  ```python Python theme={null}
  withdrawal = client.transfers.initiate_withdrawal(
      amount=12_500,
      currency="USD",
      external_account_id="eac_550e8400e29b41d4a716446655440000",
      description="Payout transfer",
      idempotency_key=str(uuid.uuid4()),
  )
  print(withdrawal.data.id)
  ```

  ```typescript TypeScript theme={null}
  const withdrawal = await client.transfers.initiateWithdrawal({
    amount: 12_500,
    currency: "USD",
    externalAccountId: "eac_550e8400e29b41d4a716446655440000",
    description: "Payout transfer",
    idempotencyKey: crypto.randomUUID(),
  });
  console.log(withdrawal.data.id);
  ```

  ```bash CLI theme={null}
  natural transfers initiateWithdrawal \
    --amount 12500 \
    --currency USD \
    --external-account-id eac_550e8400e29b41d4a716446655440000 \
    --description "Payout transfer" \
    --idempotency-key "$(uuidgen)"
  ```

  ```text MCP theme={null}
  Withdraw $125 from my wallet to my linked bank account.
  ```

  ```bash cURL theme={null}
  curl -X POST https://api.natural.com/transfers/withdraw \
    -H "Authorization: Bearer $NATURAL_API_KEY" \
    -H "Idempotency-Key: $(uuidgen)" \
    -H "Content-Type: application/json" \
    -d '{
      "data": {
        "attributes": {
          "amount": 12500,
          "currency": "USD",
          "externalAccountId": "eac_550e8400e29b41d4a716446655440000",
          "description": "Payout transfer"
        }
      }
    }'
  ```
</CodeGroup>

## Confirm the balance

Deposits and withdrawals settle over a few business days, so the balance change is not immediate. Read the wallet to confirm a deposit landed before you spend against it, or that a withdrawal left. See [Wallets](/guides/wallets/wallets) for how `balance.available` differs from `balance.total`.

<Snippet file="shared/webhook-transfer.mdx" />