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# Amounts

Money you **send** to the money endpoints is in **kobo**, as a whole number. 100 kobo is NGN 1.00.

| You want to move | Send |
| --- | --- |
| NGN 1.00 | `100` |
| NGN 1,500.00 | `150000` |
| NGN 5,000,000.00 | `500000000` |

This applies to:

- `Amount` on same-bank and interbank transfers,
- `amount` on debit-user-account and debit-account,
- `amount` returned by check-transaction-status.

The amount must be a whole number greater than 0. Decimals are refused.

Balances and statements are passed through from the bank. They are naira values formatted as strings, for example `"1,490.00"`.

## Limits

Each business has a per-transaction limit and a daily limit on money it moves through the API. The defaults are:

| Limit | Kobo | Naira |
| --- | --- | --- |
| Per transaction | 500,000,000 | NGN 5,000,000.00 |
| Per day | 5,000,000,000 | NGN 50,000,000.00 |

Halo can set different limits for your business. Transfers that are still unconfirmed count toward the daily limit. A request over a limit is refused with `422` and nothing is sent to the bank.