credit transfer

noun
1
the system of allowing somebody to take completed units of study from one course to another so that they contribute to the final qualification
انتقال واحد درسی, معادل‌سازی واحدهای درسی
2
the process of sending money from one person’s bank account to another’s
انتقال بانکی, انتقال وجه, حواله بانکی
Wages are paid by direct credit transfer to your bank account each month.
The cost of credit transfers has increased.