transfers.rst

Sending SEPA transfers

Simple mode

You can create a simple SEPA transfer using this convenient client method:

.. autoclass:: fints.client.FinTS3Client
   :members: simple_sepa_transfer
   :noindex:

The return value may be a NeedVOPResponse in which case you need to call approve_vop_response to proceed.

At any point, you might receive a NeedTANResponse. You should then enter a TAN, read our chapter :ref:`tans` to find out more.

.. autoclass:: fints.client.FinTS3PinTanClient
   :members: approve_vop_response
   :noindex:

Advanced mode

If you want to use advanced methods, you can supply your own SEPA XML:

.. autoclass:: fints.client.FinTS3Client
   :members: sepa_transfer
   :noindex:

Full example

client = FinTS3PinTanClient(...)
minimal_interactive_cli_bootstrap(client)

with client:
    if client.init_tan_response:
        print("A TAN is required", client.init_tan_response.challenge)

        if getattr(client.init_tan_response, 'challenge_hhduc', None):
            try:
                terminal_flicker_unix(client.init_tan_response.challenge_hhduc)
            except KeyboardInterrupt:
                pass

        tan = input('Please enter TAN:')
        client.send_tan(client.init_tan_response, tan)

    res = client.simple_sepa_transfer(
        account=accounts[0],
        iban='DE12345',
        bic='BIC12345',
        amount=Decimal('7.00'),
        recipient_name='Foo',
        account_name='Test',
        reason='Birthday gift',
        endtoend_id='NOTPROVIDED',
    )

    while isinstance(res, NeedTANResponse | NeedVOPResponse):
        if isinstance(res, NeedTANResponse):
            print("A TAN is required", res.challenge)

            # photoTAN / QR code: save and display the image
            if getattr(res, 'challenge_matrix', None):
                mime_type, image_data = res.challenge_matrix
                with open('tan_challenge.png', 'wb') as f:
                    f.write(image_data)
                print(f"QR code saved to tan_challenge.png ({len(image_data)} bytes)")
                # Optionally open the image automatically:
                # import subprocess; subprocess.Popen(['open', 'tan_challenge.png'])

            if getattr(res, 'challenge_hhduc', None):
                try:
                    terminal_flicker_unix(res.challenge_hhduc)
                except KeyboardInterrupt:
                    pass

            if res.decoupled:
                tan = input('Please press enter after confirming the transaction in your app:')
            else:
                tan = input('Please enter TAN:')
            res = client.send_tan(res, tan)
        elif isinstance(res, NeedVOPResponse):
            if res.vop_result.vop_single_result.result == "RCVC":
                print("Payee name is an exact match")
                if res.vop_result.vop_single_result.other_identification:
                    print("Other info retrieved by bank:", res.vop_result.vop_single_result.other_identification)
            elif res.vop_result.vop_single_result.result == "RVMC":
                print("Payee name is a close match")
                print("Name retrieved by bank:", res.vop_result.vop_single_result.close_match_name)
                if res.vop_result.vop_single_result.other_identification:
                    print("Other info retrieved by bank:", res.vop_result.vop_single_result.other_identification)
            elif res.vop_result.vop_single_result.result == "RVNM":
                print("Payee name does not match match")
            elif res.vop_result.vop_single_result.result == "RVNA":
                print("Payee name could not be verified")
                print("Reason:", res.vop_result.vop_single_result.na_reason)
            elif res.vop_result.vop_single_result.result == "PDNG":
                print("Payee name could not be verified (pending state, can't be handled by this library)")
            print("Do you want to continue? Your bank will not be liable if the money ends up in the wrong place.")
            input('Please press enter to confirm or Ctrl+C to cancel')
            res = client.approve_vop_response(res)

    print(res.status)
    print(res.responses)