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This is one of five OTC flows under Product > Shiga STS. See also: the OTC Guided Tour, Bank Account to Shiga Wallet, Shiga Wallet to Bank Account, and Shiga Wallet to Shiga Wallet.

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1. Start the transfer

  1. From the sidebar, go to Product > Shiga STS.
  2. On the Move money screen, choose From: Bank account and To: Bank account.
  3. Click Get started.

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2. Choose a recipient

Recipient empty
  1. Pick the currency you’re sending and the currency your recipient will receive (for example, Naira in, Euro out).
  2. Choose a recipient from Recent or your saved Beneficiary list, or click + New Bank Account to add one.
Recent list Recipient filled
  1. Click Continue.
The sample recipient shown in this design lists the bank name as “Guaranty Trust Bankn” — an extra trailing letter. Likely a cosmetic typo worth flagging to design rather than a real bank name.

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3. Verify a new recipient (if applicable)

Unblock session If you’re adding or confirming a new beneficiary bank account, you’ll be asked to enter a 6-digit code sent to your email before you can continue. Click Resend via Email if you didn’t receive it.

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4. Enter the amount

Amount filled
  1. Enter how much you want to send and confirm how much your recipient will receive, based on the live rate shown.
  2. A notice on this screen explains that a Shiga trader will review and confirm the exact details with you directly.
  3. Click Continue.
The exact turnaround time quoted for OTC bank-to-bank orders varies between screens in the current design — you may see “within 2 minutes” on one screen and “within one business day” on another. Treat this as approximate; your dedicated OTC contact will confirm actual timing.

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5. Review and submit

  1. Review the order: amount sent, currency and amount your recipient gets, purpose of transfer, and your recipient’s full bank account details (name, currency, account number, SWIFT code, country, address).
  2. Click Confirm & Submit.
The label on this screen currently reads “Purpose of tranfer” (missing an “s”). Cosmetic typo to flag to design.

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6. Confirmation

Submitted successfully Once submitted, you’ll see Order submitted successfully along with a summary of the amounts and currencies involved. A Shiga team member will follow up with a quote. Click View Transaction to jump straight to your order.

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7. Track your order

Your bank-to-bank OTC orders appear in Transactions alongside your other OTC orders, with the same status tracking (in review, completed) and an Upload Proof of Payment option on the order detail page — see the Bank Account to Shiga Wallet guide for what that screen looks like.