Using Dual Approvals for Wires

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With Dual Approvals, when an Org user with proper permissions submits a wire transfer, it is submitted for approval to all Org users with permissions to approve wires on the web app and mobile app.

The user who initiated the wire receives a confirmation message indicating the wire was submitted for approval.

Confirmation message indicating wire transfer submitted for approval successfully.

All users with permissions to approve wires receive an email notification when a wire is submitted for approval, as well as an on-screen message once they log in to the web app or mobile app.

Narmi Banking dashboard showing a pending approval notification.

Once approved or rejected, the user who initiated the wire receives an email notification.

In this article:

Approve or Reject Wires on the Web App

To review wire transfers and approve or reject them via Dual Approvals on the web app:

  1. Select Review now from the on-screen message (shown above) in the web app, or select the approval link in the email received.
    Alternatively, users can access approvals from the web app via Tools > Dual approvals.

    Aqua Bank dashboard showing tools and dual approvals option for account management.


  2. The Pending Approvals tab is shown by default, indicating the number of pending approvals. Hover over the row of the wire you’d like to review and select View to see details.

    Pending approval for a wire transfer to Bob Smith for $100.00 by Jane Reynolds.


    A side panel opens with wire details. Select Approve or Reject.

    Review payment details for a wire transfer to Bob Smith for $100.00.

    You can also check the box next to the wire you’d like to approve or reject.

    Pending approval for a $100 payment to Bob Smith by Jane Reynolds.

    If there are multiple wires in the list, you can check the top box to select all wires and approve or reject in bulk.

    Pending approvals list showing scheduled date, amount, and submission details for approval.

    A confirmation message appears to let you know the submitter was notified.

Approve or Reject Wires on the Mobile App

To review wire transfers and approve or reject them via Dual Approvals on the mobile app:

  1. Select Review now from the onscreen message in the mobile app, or select the approval link in the email received.

    Notification of nine pending approvals with account balances displayed below.


    Alternatively, users can access approvals from the mobile app via More > Login & Security > Dual approvals.

    Settings menu showing options for Face ID and dual approvals for security.

  2. On the page that appears, the Pending approvals tab is shown by default, indicating the number of pending approvals. Select the wire to open details or select Approve or Reject.

    Pending approval for a $100 wire transfer to Jill Harris by Velma Dinkley.


    You can also approve or reject from the details screen that opens.

    Transaction details for a wire transfer of $100 to Jill Harris scheduled for May 27, 2025.

    A confirmation message appears to let you know that the submitter has been notified.


Dual Approval Email Notifications

The Org user who submitted the wire transfer receives an email notification indicating whether the wire transfer was approved or rejected. Your institution can customize these email notifications, as well as the email notifications sent to users when wires require approval. To do this, go to Narmi Command, select Institution Settings, and search for one of these settings:

  • Dual Approval Approved Email Template

  • Dual Approval Denied Email Template

  • Dual Approval Requested Email Template

For more information on the emails we send to business users, go to End-User Communications - Business Banking.

View Approval History

To view past approvals on the web app, go to Tools > Dual approvals, and select the Approval history tab.

Approval history showing a wire transfer of $100.00 to Bob Smith on May 23.

On the mobile app, go to More > Login & Security > Dual approvals > History.

List of pending approvals with amounts and approval statuses displayed clearly.

For information on wire statuses, go to Wire Statuses.

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