thijooree/docs/mibapi/08-transfer.md

# 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)