> ## Documentation Index > Fetch the complete documentation index at: https://docs.fluz.app/llms.txt > Use this file to discover all available pages before exploring further. # Send money to a saved bank account > Send money from a Fluz cash balance to a saved bank account over ACH with createExternalPayout. Send money from a Fluz cash balance to a bank account you already added. The money goes out over standard ACH. ### Overview This moves money **out of Fluz** to a US bank account that belongs to someone else, for example a contractor, a vendor, or a friend. The recipient does not need a Fluz account. Why use it: * **Pay anyone with a US bank account.** The recipient only needs a routing and account number. They do not sign up for Fluz. * **Pay from your Fluz balance.** The money comes from one of the account's cash balances, so there is no separate funding step. * **Safe to retry.** Every payment carries an idempotency key, so a network retry never sends the money twice. * **Clear cost up front.** The response shows the fee and the total debited from the balance. How it works: 1. Add the recipient's bank account with [`createExternalPayee`](https://docs.fluz.app/features/add-a-bank-account). 2. Call `createExternalPayout` with the saved bank account, the source cash balance, and the amount. 3. Fluz debits the cash balance right away and returns the payment with status `PENDING`. 4. The money is sent to the recipient's bank in the next standard ACH file. One operation sends money: * `createExternalPayout` - Send money to a saved bank account > [!NOTE] > > This is for sending money to **someone else's** bank account. To move money to the user's own bank account, use [withdrawals](https://docs.fluz.app/features/withdraw-to-external-account.md). To send money to another Fluz account, see [Send money to a Fluz account](https://docs.fluz.app/features/send-money-overview#1-send-money-to-a-fluz-account). To pay someone by email or phone, use [`sendMoney`](https://docs.fluz.app/features/send-money). *** ### createExternalPayout Send money from one of the authenticated user's cash balances to a saved bank account over ACH. #### Mutation (CreateExternalPayoutInput) ```graphql theme={null} createExternalPayout(input: CreateExternalPayoutInput!): ExternalPayoutResult ``` **Requires**: `MAKE_PAYOUT_TRANSFER_SEND` scope. #### Input | Field | Type | Required | Description | | :- | :- | :- | :- | | idempotencyKey | UUID! | Yes | A unique key for this payment. Reuse the same key only when retrying the same request. | | externalPayeeId | UUID! | Yes | The saved bank account to pay. Must belong to the authenticated user's account. | | sourceCashBalanceId | UUID! | Yes | The cash balance to debit. Must belong to the authenticated user's account and be active. | | amount | Float! | Yes | The amount the recipient receives, in USD. Greater than 0, at most two decimal places. The fee is charged on top. | | acknowledgeReview | Boolean | No | Set to `true` to send to a bank account whose `status` is `REVIEW`, after the user confirms. Without it, the payment is refused with `PT-0009`. Has no effect on a bank account that is not under review. | #### Response (ExternalPayoutResult) | Field | Type | Description | | :- | :- | :- | | transferId | ID! | The payment ID | | externalPayeeId | ID! | The bank account that was paid | | amount | Float! | The amount the recipient receives | | fee | Float! | The fee charged on top of the amount | | totalDebited | Float! | `amount + fee`. The total taken from the source cash balance. | | status | ExternalPayoutStatus! | Always `PENDING` when the payment is created | #### Example ```graphql theme={null} mutation { createExternalPayout( input: { idempotencyKey: "550e8400-e29b-41d4-a716-446655440020" externalPayeeId: "3f1c2b7e-8d4a-4c1e-9f2a-6b5d4e3c2a10" sourceCashBalanceId: "aaaaaaaa-bbbb-4ccc-8ddd-eeeeeeeeeeee" amount: 100.00 } ) { transferId externalPayeeId amount fee totalDebited status } } ``` **Success:** ```json theme={null} { "data": { "createExternalPayout": { "transferId": "7c9e6679-7425-40de-944b-e07fc1f90ae7", "externalPayeeId": "3f1c2b7e-8d4a-4c1e-9f2a-6b5d4e3c2a10", "amount": 100, "fee": 1.5, "totalDebited": 101.5, "status": "PENDING" } } } ``` *The fee in this example is for illustration only. Always use the `fee` and `totalDebited` values returned in the response.* **Insufficient balance:** ```json theme={null} { "errors": [ { "message": "The sender does not have sufficient balance to complete this transfer.", "extensions": { "code": "PT-0007" } } ] } ``` #### Error Codes | Code | Description | | :- | :- | | ARG-0002 | A required field is missing, or `amount` is not greater than 0 | | ARG-0001 | Invalid input. For example: `idempotencyKey` is not a UUID, the bank account was not found or cannot be paid, the source cash balance is not active, or the idempotency key was already used for a different request. | | PT-0001 | Daily limit exceeded | | PT-0002 | Weekly limit exceeded | | PT-0003 | Monthly limit exceeded | | PT-0004 | Yearly limit exceeded | | PT-0005 | Amount is below the minimum | | PT-0006 | Amount is above the maximum | | PT-0007 | Not enough balance to cover the amount plus the fee | | PT-0008 | Part of the balance is still clearing. Lower the amount and try again. | | PT-0009 | The bank account is under review. Confirm with the user, then resend with `acknowledgeReview: true`. | | G-0003 | Sending money to bank accounts is not enabled on this account, or the payment could not be authorized | | G-0004 | The payment could not be completed | | G-0001 | Server error | *** ### Payment status `ExternalPayoutStatus` lists the possible states of a payment. | Status | Description | | :- | :- | | PENDING | The payment was created and the balance was debited. The money has not left Fluz yet. | | PROCESSING | The payment is being processed | | COMPLETED | The payment is complete | | FAILED | The payment failed | | FAILED\_INITIAL | The payment failed when it was first submitted | | CANCELED | The payment was cancelled before it was sent | | REFUNDED | The amount was returned to the cash balance | | RETURNED | The recipient's bank returned the payment | `createExternalPayout` always returns `PENDING`. The API does not currently provide a query to check a payment's status after it is created. *** ### Important Notes #### Which balance pays * The payment is debited from the cash balance you pass as `sourceCashBalanceId`. * Rewards balance and prepayment / gift card balance can't fund it. #### Funds and timing * The cash balance is debited the `totalDebited` amount immediately when the mutation succeeds. * Payments use standard ACH. Same-day and expedited ACH are not available. * Money leaves Fluz in the next ACH file. Arrival time depends on ACH processing and the recipient's bank. #### Fees and limits * The fee is set by Fluz and is added on top of `amount`. The recipient receives the full `amount`. * Daily, weekly, monthly, and yearly limits, plus minimum and maximum amounts, apply per account. When a limit is reached, the request fails with a `PT-` error code. * Funds that are still clearing cannot be sent. #### Idempotency * Send a new UUID for each new payment. * If a request times out, retry with the **same** key and the same input. You get the original result back and the money is not sent twice. * A key used with a different amount, source balance, or bank account is rejected. * Idempotency keys are shared across all transfer types. A key already used for another kind of transfer cannot be reused here. #### Saved bank accounts * The bank account must still be saved on the account. Removed bank accounts cannot be paid. * A bank account with `status: REVIEW` can be paid only with `acknowledgeReview: true`. * Some bank accounts cannot receive payments. In that case the request fails with `ARG-0001`. #### Returned payments * If the recipient's bank rejects the payment, for example because the account is closed, the money is returned to the source cash balance. 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