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There are two different ways you can transfer money to a multi-currency balance accounts:

1) Simply send domestic bank transfer from a bank account to **the balance account's bank account details** (e.g. IBAN, sort code & account number, etc.). There is no need to set up a quote/transfer in this case.
2) Create a quote/transfer and then fund that transfer as per requirements.


## Get multi-currency account recipientId 

Next, call [Check account balance](/api-reference/multi-currency-account#get-account) endpoint and get the `recipientId` field value from the response.

Note that `recipientId` does not change so can be stored and reused.

## Create transfer 

Next, create a transfer. This is the same call as described in the [Transfer Create API Reference](/api-reference/transfer#create), however the value for `targetAccount` should be the `recipientId` as determined from the previous step.

As per the standard create transfer flow, you also need to create and pass a `customerTransactionId` for idempotency.

## Fund transfer 

Once the transfer is created, a method will be required to fund the transfer. This will differ based on your specific integration.

In order to simulate transfers in Sandbox, use the provided sandbox simulation API. [Simulate Transfers in Sandbox](/api-reference/simulation)