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

# POST /transfers/quote/ach

> Cotizar transferencia ACH sin comprometer fondos

Calcula comisión, IVA y total a debitar de tu wallet ACH para una transferencia bancaria.

**Scope requerido**: `WRITE`

## Body

<ParamField body="amount" type="number" required>
  Monto BRUTO en centavos. Mínimo 100 (= $1 COP), máximo cap individual ACH ($2.000M COP = 200\_000\_000\_000 centavos).
</ParamField>

## Response 200

Mismo shape que [`/transfers/quote` BREB](/api-reference/transfers/quote-breb). La diferencia es que el fee se calcula con la FeeConfig `ACH_OUTFLOW` y el `currentBalance` es el del wallet ACH (no BREB).

## Ejemplos

<RequestExample>
  ```bash curl theme={null}
  curl -X POST https://consola.mouvlatam.com/api/transfers/quote/ach \
    -H "Authorization: Bearer mvk_..." \
    -H "Content-Type: application/json" \
    -d '{ "amount": 5000000 }'
  ```

  ```javascript Node.js theme={null}
  const quote = await fetch('https://consola.mouvlatam.com/api/transfers/quote/ach', {
    method: 'POST',
    headers: {
      'Authorization': `Bearer ${process.env.MOUV_API_KEY}`,
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({ amount: 5000000 }),
  }).then(r => r.json());
  ```
</RequestExample>

<ResponseExample>
  ```json 200 OK theme={null}
  {
    "amount": 5000000,
    "currentBalance": 138305296,
    "feeBreakdown": {
      "fixedFee": 1100,
      "variableFee": 5000,
      "subtotalFee": 6100,
      "ivaApplicable": true,
      "ivaAmount": 1159,
      "totalCharged": 7259
    },
    "totalCost": 5007259,
    "canAfford": true,
    "message": null
  }
  ```
</ResponseExample>

## Notas

* ACH cap individual: **\$2.000M COP** por transferencia
* Quote NO valida la cuenta destino — eso pasa en `/transfers/send`. El propósito del quote es solo el preview de costo