# Credit transfer testing

The Investment API provides you with an endpoint to execute a bank transaction for testing purposes. This can be used to simulate a money transfer for various movements that require cash settlements in one of our bank accounts.

In this section, we describe how you can test a credit transfer.

## Prerequisites

Before testing credit transfers, please make sure that

- a reference account is registered for the account group.
- this feature is enabled for you.


## Triggering a bank transaction

To simulate transfers, you can trigger a bank transaction with the following call:

**POST** [`/tests/payments/transactions`](/api/tests/create_bank_transaction)

**Example request**


```json
{
  "account": {
    "iban": "NL70ABNA0106295004"
  },
  "amount": "1000.37",
  "currency": "EUR",
  "client_reference": "054540402",
  "remittance_information": "CF960253053",
  "counterparty_name": "Marcel Schwarz",
  "counterparty_account": {
    "iban": "DE95500105173934555844"
  },
  "counterparty_agent": {
    "bic": "DEUTDEFF"
  }
}
```

It is important that the following fields are correctly filled in, as this information is used to assign the transfer to the corresponding account group:

| Parameter | Description |
|  --- | --- |
| `account` | Specify the following IBAN `NL70ABNA0106295004`. This is our pooling account. |
| `currency` | Required. Possible values: `EUR`,`GBP`,`USD`,`JPY`,`CHF`. |
| `remittance_information` | Enter `CF` and the 9-digit securities account number as the transfer details.  **Example**:  `CF960253053`.  You can retrieve the securities account number by [querying the user's account groups](/api/account-groups/list_account_groups). |
| `counterparty_name` | Specify the counterparty name, which must match the name of the user who is the owner of the securities account. |


The content of the other fields (`client_reference`, `counterparty_account`, `counterparty_agent`) is not relevant for the simulation as they are ignored when matching the bank transaction. You only need to ensure that the content passes the API validation.