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+# Account Lookup & Transfer
+
+Two-step process: look up the recipient to validate the account and get the holder name, then execute the transfer.
+
+All endpoints are on the WebView subdomain. See [README](README.md) for cookie and AJAX header format.
+
+```
+Referer: https://faisamobilex-wv.mib.com.mv/transfer/quick
+```
+
+---
+
+## Step 1 — Account Lookup
+
+The lookup endpoint depends on the format of the input:
+
+| Input format | Endpoint | Body field |
+|---|---|---|
+| Starts with `7`, exactly 13 digits | `AjaxAlias/getIPSAccount` | `benefAccount` |
+| Starts with `9`, exactly 17 digits | `ajaxBeneficiary/getAccountName` | `accountNo` |
+| Starts with `7` or `9`, exactly 7 digits | `AjaxAlias/getAlias` | `aliasName` |
+| Starts with `A` followed by 6 digits | `AjaxAlias/getAlias` | `aliasName` |
+| Contains `@` (email) | `AjaxAlias/getAlias` | `aliasName` |
+
+---
+
+### 1a. IPS Account — BML / local bank (13 digits, starts with `7`)
+
+```
+POST https://faisamobilex-wv.mib.com.mv/AjaxAlias/getIPSAccount
+```
+
+Body: `benefAccount=7700000000000`
+
+**Response**:
+```json
+{
+  "success": true,
+  "responseCode": "2",
+  "accountName": "ACCOUNT HOLDER NAME",
+  "bankBic": "MALBMVMV"
+}
+```
+
+- `accountName` — account holder name
+- `bankBic` — bank BIC (e.g. `MALBMVMV` for BML)
+- Account number is the input itself — not returned in response
+
+Use `bankNo=3` and `transferLocal` for the transfer.
+
+---
+
+### 1b. MIB Internal Account (17 digits, starts with `9`)
+
+```
+POST https://faisamobilex-wv.mib.com.mv/ajaxBeneficiary/getAccountName
+```
+
+Body: `accountNo=90100000000000000`
+
+**Response**:
+```json
+{
+  "success": true,
+  "accountName": "ACCOUNT HOLDER NAME"
+}
+```
+
+- `accountName` may be at root level or inside a `data` object — check both
+- Bank is always MIB (`MADVMVMV`)
+
+Use `bankNo=2` and `transferInternal` for the transfer.
+
+---
+
+### 1c. Favara Alias — shortcodes, A-IDs, emails
+
+```
+POST https://faisamobilex-wv.mib.com.mv/AjaxAlias/getAlias
+```
+
+Body: `aliasName=<alias>`
+
+**Response**:
+```json
+{
+  "success": true,
+  "responseCode": "2",
+  "data": {
+    "BfyNm": "Account Holder Name",
+    "CdtrAcct": {
+      "Acct": "90100000000000000",
+      "FinInstnId": "MADVMVMV"
+    }
+  }
+}
+```
+
+- `BfyNm` — beneficiary name (trim whitespace)
+- `CdtrAcct.Acct` — resolved account number to use for the transfer
+- `CdtrAcct.FinInstnId` — bank BIC (`MADVMVMV` = MIB, `MALBMVMV` = BML)
+
+Use `bankNo=2` (MIB) or `3` (BML/local) depending on `FinInstnId`, and the matching transfer endpoint.
+
+---
+
+### Lookup Errors
+
+All three lookup endpoints return `success: false` with a human-readable `reasonText` on failure:
+
+```json
+{
+  "success": false,
+  "reasonText": "Account not found"
+}
+```
+
+Always show `reasonText` directly to the user.
+
+---
+
+## Step 2 — Execute Transfer
+
+Two endpoints depending on the destination bank:
+
+| `bankNo` | Endpoint | Destination |
+|---|---|---|
+| `2` | `ajaxTransfer/transferInternal` | MIB internal account |
+| `3` | `ajaxTransfer/transferLocal` | BML or other local bank |
+
+```
+POST https://faisamobilex-wv.mib.com.mv/ajaxTransfer/transferInternal
+POST https://faisamobilex-wv.mib.com.mv/ajaxTransfer/transferLocal
+```
+
+### Request Body (form-urlencoded)
+
+| Field | Description |
+|---|---|
+| `benefName` | Recipient name (from lookup) |
+| `benefNo` | `0` (not a saved contact) |
+| `fromAccountNo` | Source account number |
+| `benefAccountNo` | Destination account number |
+| `transferCy` | Currency numeric code (`"462"` = MVR, `"840"` = USD) |
+| `benefCurrencyCode` | Same as `transferCy` |
+| `amount` | Amount as string (e.g. `"100.00"`) |
+| `bankNo` | `2` = MIB internal, `3` = local/BML |
+| `purpose` | Transfer purpose; send `"-"` if blank |
+| `otp` | OTP from the user |
+| `otpType` | `"3"` (SMS/authenticator OTP) |
+
+### Response — Success
+
+```json
+{
+  "success": true,
+  "data": [
+    {
+      "trxId": "TRX20260516001",
+      "date": "2026-05-16 15:10:25"
+    }
+  ]
+}
+```
+
+| Field | Description |
+|---|---|
+| `trxId` | Transaction ID |
+| `date` | Completion timestamp |
+
+### Response — Failure
+
+```json
+{
+  "success": false,
+  "reasonText": "Insufficient balance"
+}
+```
+
+`reasonText` contains the error reason. On HTTP `419`, the session has expired — re-login required.
+
+---
+
+## Transfer Type Summary
+
+| Recipient | Lookup endpoint | `bankNo` | Transfer endpoint |
+|---|---|---|---|
+| MIB (17-digit `9…`) | `getAccountName` | `2` | `transferInternal` |
+| BML (13-digit `7…`) | `getIPSAccount` | `3` | `transferLocal` |
+| Favara alias → MIB | `getAlias` | `2` | `transferInternal` |
+| Favara alias → BML | `getAlias` | `3` | `transferLocal` |
+
+---
+
+## Currency Codes
+
+| `transferCy` | Currency |
+|---|---|
+| `"462"` | MVR (Maldivian Rufiyaa) |
+| `"840"` | USD |
+
+---
+
+&nbsp;
+
+---
+
+[← Personal Profile](07-profile.md) &nbsp;&nbsp;&nbsp; **Next →** [Contacts](09-contacts.md)