> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spendin.app/llms.txt
> Use this file to discover all available pages before exploring further.

# List institutions

> Returns every bank (or mobile money provider) that can receive a payout in the given country and currency, each with the `provider_code` to pass as `destination_provider_code` when creating a payout. The processor routes on that code — a display name is never accepted in its place.



## OpenAPI

````yaml /openapi.json get /v1/banks
openapi: 3.0.0
info:
  title: Spendin Merchant API
  description: Cross-border remittance and financial services API
  version: '1.0'
  contact: {}
servers:
  - url: https://api.spendin.app
    description: Production
security:
  - api-key: []
tags: []
paths:
  /v1/banks:
    get:
      tags:
        - banks
      summary: List institutions
      description: >-
        Returns every bank (or mobile money provider) that can receive a payout
        in the given country and currency, each with the `provider_code` to pass
        as `destination_provider_code` when creating a payout. The processor
        routes on that code — a display name is never accepted in its place.
      operationId: IdentityController_listInstitutions
      parameters:
        - name: country
          required: true
          in: query
          description: ISO 3166-1 alpha-2 country code
          schema:
            example: NG
            type: string
        - name: currency
          required: true
          in: query
          description: ISO 4217 currency code
          schema:
            example: NGN
            type: string
        - name: destination_type
          required: false
          in: query
          description: >-
            Which kind of institution to list. Banks and mobile money providers
            come from the same upstream directory but are never mixed in a
            response.
          schema:
            default: BANK_ACCOUNT
            enum:
              - BANK_ACCOUNT
              - MOBILE_MONEY
            type: string
      responses:
        '200':
          description: ''
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/InstitutionResponseDto'
        '400':
          description: Crypto destinations have no institution directory
        '503':
          description: Upstream directory unavailable
      security:
        - api-key: []
components:
  schemas:
    InstitutionResponseDto:
      type: object
      properties:
        provider_name:
          type: string
          example: ACCESS BANK
          description: Display name. Never sent as a routing value.
        provider_code:
          type: string
          example: '044'
          description: >-
            Pass this as `destination_provider_code` when creating a payout — it
            is what the processor routes on.
        destination_type:
          type: string
          enum:
            - MOBILE_MONEY
            - BANK_ACCOUNT
            - CRYPTO_WALLET
          example: BANK_ACCOUNT
      required:
        - provider_name
        - provider_code
        - destination_type
  securitySchemes:
    api-key:
      type: apiKey
      in: header
      name: X-API-Key

````