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Country-specific requirements for transfers to bank accounts

Country-specific requirements for transfers to bank accounts

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Written by Diana
Updated yesterday

The following information specifies regulatory country-specific requirements for transfers to bank accounts.

⚠️ Important: Non-compliance with the requirements below will result in the transaction being rejected and the funds not reaching the beneficiary’s bank account.

Use the country list below to confirm any specific field requirements before making a transfer.

🌍 SEPA Region

Bank account type: IBAN
​Currency: EUR
​Countries supported:
Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic (also local currency supported), Denmark (also local currency supported), Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway (also local currency supported), Poland (also local currency supported), Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden (also local currency supported), Switzerland (also local currency supported), United Kingdom (also local currency supported), Vatican.

🇪🇺 Other European Countries

Czech Republic (CZ)

  • Bank account type: IBAN (22 digits)

  • Currency: CZK, EUR

Denmark (DK)

  • Bank account type: IBAN (16 digits)

  • Currency: DKK, EUR

Norway (NO)

  • Bank account type: IBAN (13 digits)

  • Currency: NOK, EUR

Poland (PL)

  • Bank account type: IBAN (16 digits)

  • Currency: PLN, EUR

Sweden (SE)

  • Bank account type: IBAN (22 digits)

  • Currency: SEK, EUR

Switzerland (CH)

  • Bank account type: IBAN

  • Currency: CHF, EUR

United Kingdom (GB)

  • Bank account type: IBAN

  • Currency: GBP, EUR

🌎 Americas

Argentina (AR)

  • Bank account type: CBU (22 digits)

  • Currency: ARS

  • SWIFT code: Required

  • Recipient info: Government ID required; email may be required for high-value transfers

Bolivia (BO)

  • Bank account type: BAN

  • Currency: BOB

  • Requirements: Account type and SWIFT code

  • Sender info: Date of birth and government ID required

  • Recipient info: Valid phone and “Cedula” (National ID, min 5 digits) required

  • Note: Deposits to Debit or Credit Card accounts not accepted

Brazil (BR)

  • Bank account type: BAN

  • Currency: BRL

  • Requirements: National bank code, account type, recipient CPF (11 digits)

Canada (CA)

  • Bank account type: BAN (5–12 digits)

  • Currency: CAD

  • SWIFT code: Required

  • Recipient info: Government ID required

Colombia (CO)

  • Bank account type: BAN (8+ digits)

  • Currency: COP

  • SWIFT code: Required

  • Recipient info: Valid phone required

  • Note: Deposits to Debit or Credit Card accounts not accepted

Costa Rica (CR)

  • Bank account type: IBAN (min 8 digits)

  • Currency: CRC

  • SWIFT code: Required

  • Recipient info: Valid phone and government ID required

    • Accepted IDs: National ID (Cedula – 9 digits), Foreigner ID (DIMEX – 12 digits), Tax ID (Cedula Jurídica – 10 digits), or Passport

Dominican Republic (DO)

  • Bank account type: BAN

  • Currency: DOP

  • SWIFT code: Required

  • Recipient info: Valid phone required

  • Note: Deposits to Debit or Credit Card accounts not accepted

Ecuador (EC)

  • Bank account type: BAN

  • Currency: USD

  • Requirements: Account type, valid phone, and CEDULA ID (max 10 digits)

  • Note: Deposits to Debit or Credit Card accounts not accepted

El Salvador (SV)

  • Bank account type: BAN (9–15 digits)

  • Currency: USD

  • SWIFT code: Required

  • Recipient info: Valid phone (+503 + 8 digits) and government ID required

Guatemala (GT)

  • Bank account type: BAN

  • Currency: GTQ

  • Requirements: Account type, SWIFT code, valid phone

  • Note: Deposits to Debit or Credit Card accounts not accepted

Jamaica (JM)

  • Bank account type: BAN

  • Currency: JMD

  • Requirements: Account type, SWIFT code, 5-digit branch code

  • Recipient info: Valid phone number and tax ID (9 digits) required

  • Additional: Source of funds required

Mexico (MX)

  • Bank account type: CLABE (18 digits)

  • Currency: MXN

Peru (PE)

  • Bank account type: CCI (20 digits)

  • Currency: PEN

  • SWIFT code: Required

  • Recipient ID: 8-digit DNI, Passport, or Carnet de Extranjería

United States (US)

  • Bank account type: BAN (9 digits)

  • Currency: USD

  • Routing: ACH routing number (9 digits) required

  • Note: Sender and recipient addresses must follow ISO2 country code format

  • Please check the Address format guide for transfers to U.S. bank accounts in this article

🌏 Asia-Pacific

Australia (AU)

  • Bank account type: BAN (3–9 digits)

  • Currency: AUD

  • SWIFT code: Required

  • Additional: BSB code (6 digits) required (info)

Bangladesh (BD)

  • Bank account type: BAN

  • Currency: BDT

  • Requirements: Proprietary routing number, sender's date of birth

Hong Kong (HK)

  • Bank account type: BAN

  • Currency: HKD

  • Additional: Clearing code (3 digits) required (info)

India (IN)

  • Bank account type: BAN

  • Currency: INR

  • Requirements: IFSC code (11 digits), recipient's date of birth

Indonesia (ID)

  • Bank account type: BAN

  • Currency: IDR

  • SWIFT code: Required

Japan (JP)

  • Bank account type: BAN

  • Currency: JPY

  • Requirements: Account type, SWIFT code, branch code (3 digits), source of funds

Malaysia (MY)

  • Bank account type: BAN

  • Currency: MYR

  • SWIFT code: Required

Nepal (NP)

  • Bank account type: BAN

  • Currency: NPR

  • Additional: Source of income required if daily limit > 1 million NPR

New Zealand (NZ)

  • Bank account type: BAN (15–16 digits)

  • Currency: NZD

  • SWIFT code: Required

Pakistan (PK)

  • Bank account type: IBAN (24 digits)

  • Currency: PKR

Philippines (PH)

  • Bank account type: BAN (10, 12, or 13 digits)

  • Currency: PHP

  • Requirements: BRSTN code, source of funds, sender DOB, valid recipient phone (required if ≥ PHP 500,000)

  • Note: Deposits to Debit or Credit Card accounts (16-digit numbers) not accepted

Singapore (SG)

  • Bank account type: BAN

  • Currency: SGD

  • SWIFT code: Required

South Korea (KR)

  • Bank account type: BAN

  • Currency: KRW

  • SWIFT code: Required

  • Recipient phone: Must include country code +82 and 8–10 digits (no leading “0”)

Sri Lanka (LK)

  • Bank account type: BAN

  • Currency: LKR

  • SWIFT code: Required

Thailand (TH)

  • Bank account type: BAN

  • Currency: THB

  • Sender info: Government ID required

Vietnam (VN)

  • Bank account type: BAN (6–20 digits)

  • Currency: VND

  • SWIFT code: Required

  • Recipient info: Valid phone required

🌍 Middle East & Africa

Ethiopia (ET)

  • Bank account type: BAN

  • Currency: ETB

  • SWIFT code: Required

  • Note: Diaspora accounts not supported

Guinea (GN)

  • Bank account type: BAN

  • Currency: GNF

  • SWIFT code: Required

Israel (IL)

  • Bank account type: IBAN (21 digits)

  • Currency: ILS

Gambia (GM)

  • Bank account type: BBAN (18 digits)

  • Currency: GMD

  • Requirements: Account type and SWIFT code

Ghana (GH)

  • Bank account type: BAN (9–16 digits)

  • Currency: GHS

  • SWIFT code: Required

  • Note: 13-digit account numbers used for Prudential Bank Limited

Jordan (JO)

  • Bank account type: IBAN (22 digits)

  • Currency: JOD

  • Recipient info: Nationality required

Kenya (KE)

  • Bank account type: BAN

  • Currency: KES

  • SWIFT code: Required

  • Recipient info: Valid phone required

Tanzania (TZ)

  • Bank account type: BAN

  • Currency: TZS

  • SWIFT code: Required

Turkey (TR)

  • Bank account type: IBAN (24 digits)

  • Currency: TRY

  • Sender info: Nationality required

Uganda (UG)

  • Bank account type: BAN

  • Currency: UGX

  • SWIFT code: Required

United Arab Emirates (AE)

  • Bank account type: IBAN (21 digits)

  • Currency: AED

  • Requirements: Valid recipient's phone and source of funds

✅ Tip: Before sending a Pay2Bank transfer, verify that the required fields for your recipient’s country are correctly filled in to prevent delays or rejections.

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