# How to create an internal transfer

Internal transfers can be made between Merchant wallets denominated in the same currency and belonging to the same *Owner*. Such transfers are executed [off-chain](/references/key-terms.md#off-chain-transaction) and aren't subject to any fees.

{% stepper %}
{% step %}
Go to **Wallet management** > **Payouts**.
{% endstep %}

{% step %}
Click **Add new** above the table and select **Internal transfer**.
{% endstep %}

{% step %}
From the dropdown, select a wallet from which funds should be withdrawn. Only Merchant wallets are available for selection.
{% endstep %}

{% step %}
From the next dropdown, select a wallet to which funds should be transferred. Only Merchant wallets denominated in the same currency as the source wallet are available for selection.
{% endstep %}

{% step %}
Enter the transfer amount.

Alternatively, you can select a percentage of the source wallet balance to automatically calculate the transfer amount. Possible options: 25%, 50%, 75%, or 100%.
{% endstep %}

{% step %}
Click **Proceed**.
{% endstep %}

{% step %}
In the popup, check the transfer details and click **Confirm** to create the transfer.
{% endstep %}
{% endstepper %}

The newly created transfer is now available on the **Wallet management** > **Transfers** page where you can monitor its status.


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