# Disburse money to a bank account
source: https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-bank-account/index.md

### Business sends money internationally to an individual's bank account (payment with Quote) {#business-sends-money-internationally-to-an-individuals-bank-account-payment-with-quote}

In this journey, the business makes a cross-border payment to the recipient's bank account through a money transfer web app. They select the new recipient's country and 'Bank account' as the endpoint.

Following this, the business enters the recipient's personal and bank account details. Next, they specify the amount, select the preferred funding account, and review the exchange rate and total payment due. Importantly, they have the flexibility to determine who covers the fee, according to their preference. Prior to finalizing the transaction, they thoroughly review the payment details. Once satisfied, the business confirms the transfer, successfully concluding the transaction.

### UX journey {#ux-journey}

For the best viewing experience of the UX journey, click the **full screen mode** option or **zoom** using the controls located on the right.

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### Flow diagram {#flow-diagram}


Note: Mastercard APIs used in this experience:

* [Quote](https://developer.mastercard.com/cross-border-services/documentation/api-ref/quotes-api/index.md)
* [Quote Confirmation](https://developer.mastercard.com/cross-border-services/documentation/api-ref/quote-confirmation-apis/index.md)
* [Balance](https://developer.mastercard.com/cross-border-services/documentation/api-ref/balance-api/index.md)
* [Payment](https://developer.mastercard.com/cross-border-services/documentation/api-ref/payment-api/index.md)

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Next: [Disburse money to a card](https://developer.mastercard.com/cross-border-services/documentation/experience-design-guide/business-to-person-transfers/disburse-money-to-card/index.md)