BANK004 — Bank Formatting Guide
Last updated: October 7, 2026
Bank Formatting Overview
To support seamless international payments and maintain excellent customer service, Xtrm continuously enhances its multi-currency capabilities. This guide lists the bank details required to link a bank account and receive a transfer in each supported currency.
Please note that requirements may change periodically, including because of updates from local banking regulators and correspondent banks. For which transfer methods are available in each currency, see BANK007 — Xtrm currency list by transfer method.
Requirements for All Currencies
Every bank transfer needs the following details:
Beneficiary bank full name and address (including the branch location will speed up the payment)
SWIFT code and IBAN (strongly recommended)
Beneficiary full name
Beneficiary full address (PO boxes are not accepted)
Beneficiary telephone number
Beneficiary account number
Specific purpose of payment
Ordering party / remitter name and full address
Note: Your bank code is not the same as a SWIFT code.
If you have your IBAN (International Bank Account Number), you can identify your bank code using the IBAN calculator.You can look up the bank code inside your IBAN HERE. For help identifying the right bank code for your country, see BANK002 — Understanding bank routing codes.
Formatting Tips
Enter numbers without spaces or dashes. For example, enter the UK sort code 60-30-30 as 603030.
The beneficiary name must match the name on the bank account exactly.
"Purpose of payment" should be specific, such as "Contractor payment for August services". A general word like "Payment" is not enough, and vague purposes are a common reason for returned transfers.
Canadian Dollar (CAD)
For Canadian bank accounts holding CAD, use the direct deposit / EFT information from your bank statement or a void cheque. You don't need a SWIFT/BIC code for CAD accounts.
Routing / bank code (9 digits)
Format: 0 + 3-digit institution number + 5-digit branch transit number. For example, institution 004 with transit 44401 becomes 000444401.
Account number
Enter the account number exactly as it appears on your statement or void cheque, without the institution or transit number in front of it. Lengths vary by bank:
Bank | Institution number | Account number for EFT | Account number for wire |
|---|---|---|---|
Bank of Montreal |
| 7 digits | 11 digits |
Bank of Nova Scotia |
| 7 or 12 digits | 12 digits |
Royal Bank of Canada |
| 7 digits | 12 digits |
TD Canada Trust |
| 7 or 11 digits | 11 digits |
National Bank of Canada |
| 7 digits | 7 digits |
CIBC (incl. Simplii Financial) |
| 7 or 10 digits | 7 or 10 digits |
Royal Bank of Canada |
| 7 or 12 digits | 9 or 12 digits |
Canadian Western Bank |
| 10 or 12 digits | 10 or 12 digits |
ATB Financial |
| 9 or 11 digits | 9 digits |
Credit unions |
| 6 to 17 digits | 6 to 17 digits |
Currency-Specific Requirements
The details below are in addition to the requirements for all currencies. Where a field applies to only one transfer method, the method is shown in brackets, for example (Wire) or (EFT). Euro (EUR) accounts are listed separately in the next section.
Currency | Country | Transfer methods | Required details | Good to know |
|---|---|---|---|---|
AED | United Arab Emirates | Wire, Instant | • IBAN Number: starts with "AE" followed by exactly 21 characters • Purpose of payment: 3 to 50 characters | • No clearing on Fridays (Middle Eastern weekend) • Instant limit: USD 100,000 |
ALL | Albania | Wire | • IBAN Number: starts with "AL" followed by exactly 26 characters • Purpose of payment: 3 to 50 characters | — |
AMD | Armenia | Wire | • Purpose of payment: 3 to 50 characters • Beneficiary type: Individual or Organisation | • Payments over AMD 20 million need supporting documents for the purpose of payment (e.g. a copy of the invoice) |
AOA | Angola | Wire | • IBAN Number: starts with "AO" followed by exactly 23 characters • Purpose of payment: 3 to 50 characters • Tax ID: 10 to 14 characters | • The beneficiary may be asked for additional documents to comply with exchange control regulations |
ARS | Argentina | Wire, EFT, Instant | • Beneficiary CUIT (Tax ID): 9 to 12 characters • Account Number: "CB" followed by 22 characters, or up to 24 characters • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • Supporting documentation is required |
AUD | Australia | Wire, EFT | • BSB Number: exactly 6 digits • Account Number (EFT): up to 9 digits • Account Number (Wire): 1 to 50 digits | • BSB format: first two digits = bank, third digit = state, last three digits = branch |
AWG | Aruba | Wire | • Beneficiary Phone Number: 1 to 20 characters • Purpose of payment: 3 to 50 characters | — |
AZN | Azerbaijan | Wire | • Bank Branch Code: 3 to 30 characters • IBAN Number: starts with "AZ" followed by exactly 26 characters • Beneficiary Tax ID: 10 characters (corporate) or 7 digits (individual) • Purpose of payment: 3 to 50 characters | — |
BAM | Bosnia and Herzegovina | Wire | • IBAN Number: starts with "BA" followed by exactly 18 characters • Purpose of payment: 3 to 50 characters | — |
BBD | Barbados | Wire | • Purpose of payment: 3 to 50 characters | — |
BDT | Bangladesh | Wire, EFT, Instant | • Beneficiary Phone Number: up to 30 characters • Bank Branch Code: 9 characters • Beneficiary Name (Wire): 1 to 35 characters • Purpose of payment: 3 to 50 characters | • If the bank is Dhaka Bank, the account number must be 13 digits • Wire: the beneficiary may be asked for documents (e.g. proof of identity, invoice) before funds are released • The beneficiary bank will ask the beneficiary to complete Form C (inward remittance form); funds are released only after it is completed, which can take 2–5 business days |
BHD | Bahrain | Wire | • IBAN Number: starts with "BH" followed by exactly 20 characters • Purpose of payment: up to 50 characters | • Payments cannot settle on a Friday |
BIF | Burundi | Wire | • IBAN Number: starts with "BI" followed by exactly 14 characters • Purpose of payment: 3 to 50 characters | • Amount to be rounded off |
BMD | Bermuda | Wire | • Purpose of payment: 3 to 50 characters | — |
BND | Brunei | Wire | • Purpose of payment: 3 to 50 characters | — |
BOB | Bolivia | Wire | • Purpose of payment: 3 to 50 characters | • The beneficiary may be asked for additional documents to comply with exchange control regulations |
BRL | Brazil | Wire, EFT, Instant | • Beneficiary CNPJ (corporate): 14 characters • Beneficiary CPF (individual): 11 characters • Account Type: current or savings • Agency Code: 4 digits • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • IBAN Number: starts with "BR" followed by exactly 27 characters • Purpose of payment: 3 to 50 characters | — |
BSD | Bahamas | Wire | • Purpose of payment: 3 to 50 characters | — |
BTN | Bhutan | Wire | • Purpose of payment: 3 to 50 characters | — |
BWP | Botswana | Wire | — | — |
BZD | Belize | Wire | • Purpose of payment: 3 to 50 characters | — |
CAD | Canada | Wire, EFT | • Routing / Bank Code: exactly 9 digits (0 + institution + transit) • Account Number: 6 to 16 digits | • See the Canadian Dollar (CAD) section above for account number lengths by bank |
CDF | Democratic Republic of the Congo | Wire | • Purpose of payment: 3 to 50 characters | • Central Bank approval is required for each trade transaction • A copy of the invoice is required for goods and services • Amount to be rounded off |
CHF | Switzerland | Wire, EFT, Instant | • IBAN Number: starts with "CH" followed by exactly 19 characters | — |
CLP | Chile | Wire | • Beneficiary Phone Number: 1 to 20 characters • Beneficiary RUT: 8 to 9 digits • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • Amount to be rounded off |
CNH | China (offshore) / Hong Kong | Wire | • Beneficiary Phone Number: 3 to 30 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
CNY | China | Wire | • Beneficiary Bank Branch Name: 3 to 30 characters • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
COP | Colombia | Wire, EFT, Instant | • Company NIT ID: 9 to 10 characters • Beneficiary Cedula ID: 7 to 11 characters • Account Type: checking or savings • Beneficiary Phone Number: 3 to 30 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • Beneficiary bank branch location or agency is required • The beneficiary must declare the local currency and sign documents to receive funds • EFT limit: COP 60,000 |
CRC | Costa Rica | Wire, EFT | • Beneficiary Cedula: 9 to 12 digits • Beneficiary Name: 1 to 35 characters • Beneficiary Phone Number: 3 to 30 characters • Contact Name: 3 to 30 characters • IBAN Number: starts with "CR" followed by exactly 20 characters • Purpose of payment: 3 to 50 characters • Routing Code: 7 digits | • The CCI (Cuenta Cliente) is a 17-digit number similar to an IBAN |
CVE | Cape Verde | Wire | • IBAN Number: starts with "CV" followed by exactly 23 characters • Purpose of payment: 3 to 50 characters | — |
CZK | Czech Republic | Wire | • IBAN Number: starts with "CZ" followed by exactly 22 characters | — |
DJF | Djibouti | Wire | • Purpose of payment: 3 to 50 characters | • The beneficiary may be asked for documents to comply with exchange control regulations • Amount to be rounded off |
DKK | Denmark | Wire, EFT | • IBAN Number (Wire): starts with "DK" followed by exactly 16 characters • Account Number: 14 digits (BBAN check digits + account number) • Local Routing Code (Registreringsnummer): exactly 4 digits | — |
DOP | Dominican Republic | Wire, EFT | • IBAN Number (Wire): starts with "DO" followed by exactly 26 digits, or 1 to 31 digits • Purpose of payment: 3 to 50 characters • Beneficiary Tax ID (corporate): exactly 9 digits • Beneficiary Tax ID (individual): exactly 11 digits | • Digits 4–8 are the branch code (optional) |
DZD | Algeria | Wire | • IBAN Number: starts with "DZ" followed by exactly 24 characters, or an account number of up to 22 digits • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
EGP | Egypt | Wire | • IBAN Number: starts with "EG" followed by exactly 27 characters • Beneficiary Bank Branch Name: 3 to 35 characters • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • Supporting documentation may be required • Make the purpose of payment as specific as possible to avoid a returned transfer |
ERN | Eritrea | Wire | • Beneficiary Bank Branch Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • The beneficiary may be asked for documents by the correspondent or beneficiary bank |
ETB | Ethiopia | Wire, EFT, Instant | • Beneficiary Bank Branch Name: 3 to 30 characters • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • Diaspora accounts are not supported |
EUR | Eurozone and other SEPA countries | Wire, SEPA | • IBAN Number (see the Euro (EUR) section below) | — |
FJD | Fiji | Wire | • Purpose of payment: 3 to 50 characters | — |
FKP | Falkland Islands | Wire | • Purpose of payment: 3 to 50 characters | — |
GBP | United Kingdom | Wire, EFT | • Account Number: exactly 8 digits • Sort Code: exactly 6 digits (remove the dashes) • Account name (EFT): up to 18 characters • Beneficiary Name: up to 100 characters • IBAN (Wire, optional): "GB" followed by 20 characters • Purpose of payment: 3 to 50 characters | • EFT limit: under GBP 1,000,000 |
GEL | Georgia | Wire | • IBAN Number: starts with "GE" followed by exactly 20 characters • Purpose of payment: 3 to 50 characters | — |
GHS | Ghana | Currently unavailable | • Purpose of payment: up to 50 characters | — |
GIP | Gibraltar | Wire | • IBAN Number: starts with "GI" followed by exactly 21 characters • Purpose of payment: 3 to 50 characters | — |
GMD | Gambia | Wire, EFT | • Purpose of payment: 3 to 50 characters | — |
GNF | Guinea | Wire | • Purpose of payment: 3 to 50 characters | • Amount to be rounded off |
GTQ | Guatemala | Wire, EFT, Instant | • Beneficiary Tax ID (corporate): 11 characters • Beneficiary Tax ID (individual): 9 or 13 characters • Account Type: checking or savings • Beneficiary Name (Wire): 1 to 100 characters • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • IBAN Number: starts with "GT" followed by exactly 26 characters • Account Number (EFT): 3 to 15 digits • Purpose of payment: 3 to 50 characters | • Additional requirements apply over USD 4,500 per day or USD 9,000 per month |
GYD | Guyana | Wire | • Purpose of payment: 3 to 50 characters • Routing Code: exactly 8 digits | — |
HKD | Hong Kong | Wire | • Beneficiary Name: 1 to 100 characters • Account Number: 1 to 17 digits | • Some Hong Kong banks may credit the beneficiary one day after receiving funds |
HNL | Honduras | Wire | • Purpose of payment: up to 50 characters | — |
HTG | Haiti | Wire | • Purpose of payment: 3 to 50 characters | — |
HUF | Hungary | Wire, EFT | • IBAN Number: starts with "HU" followed by exactly 26 characters • Account Number (EFT): 16 digits • Beneficiary Name: 1 to 35 characters • Purpose of payment: up to 50 characters • Local Routing Code (Bankfiók-kód): exactly 8 digits | — |
IDR | Indonesia | Wire, EFT, Instant | • Account Number (EFT): 1 to 16 digits • Clearing Code (EFT): exactly 7 digits • Beneficiary Bank Branch Name: 3 to 35 characters • Beneficiary Phone Number: 1 to 20 characters • Purpose of payment: 3 to 50 characters | • Amount to be rounded off • EFT limit: IDR 1,200,000,000 • Additional documents may be requested for larger payments |
ILS | Israel | Wire, EFT | • IBAN Number (Wire): starts with "IL" followed by exactly 21 characters • Account Number (EFT): 1 to 9 digits • Beneficiary Name: 1 to 16 characters • Purpose of payment: 3 to 50 characters • Bank Branch Code: exactly 5 digits | • EFT limit: ILS 1,000,000 • Routing code = bank code (2 digits) + branch code (3 digits) |
INR | India | Wire, EFT, Instant | • IFSC Code: exactly 11 characters • Account Number (EFT): 1 to 16 digits • Account Type: current or savings • Purpose of payment: 3 to 50 characters | • EFT limit: INR 10,000,000 |
IQD | Iraq | Wire | • IBAN Number: starts with "IQ" followed by exactly 21 characters • Purpose of payment: 3 to 50 characters | — |
ISK | Iceland | Wire | • IBAN Number: starts with "IS" followed by exactly 24 characters • Purpose of payment: up to 50 characters | • Amount to be rounded off |
JMD | Jamaica | Wire, EFT | • Purpose of payment: 3 to 50 characters • Routing Number: exactly 5 digits | — |
JOD | Jordan | Wire | • IBAN Number: starts with "JO" followed by exactly 28 characters • Purpose of payment: 3 to 50 characters | • No processing on Fridays |
JPY | Japan | Wire, EFT, Instant | • Account Type: checking, ordinary or savings • Beneficiary Bank Branch Name: 1 to 100 letters • Branch Number • Bank Code (EFT): 3 digits • Beneficiary Phone Number • Purpose of payment: 3 to 50 characters | • Amount to be rounded off • Additional documents may be requested from USD 10,000 • EFT limit: JPY 975,000 |
KES | Kenya | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Beneficiary Name: 1 to 35 characters • Beneficiary Phone Number: up to 30 digits • Purpose of payment: 3 to 50 characters | • Additional requirements apply from USD 10,000 |
KGS | Kyrgyzstan | Wire | • Purpose of payment: 3 to 50 characters | — |
KHR | Cambodia | Wire | • Purpose of payment: 3 to 50 characters | — |
KMF | Comoros | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
KRW | South Korea | Wire, EFT, Instant | • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • Companies must provide a 10-digit business registration number • Amount to be rounded off • Wires over USD 20,000 need documents from the beneficiary |
KWD | Kuwait | Wire | • IBAN Number: starts with "KW" followed by exactly 28 characters • Purpose of payment: 3 to 50 characters | • No processing on Fridays |
KYD | Cayman Islands | Wire | • Purpose of payment: 3 to 50 characters | — |
KZT | Kazakhstan | Wire | • IBAN Number: starts with "KZ" followed by exactly 18 characters • Beneficiary KBE (resident/non-resident code): exactly 2 digits • Beneficiary KNP: exactly 3 or 7 digits • Beneficiary Tax ID (INN): exactly 12 digits • Purpose of payment: 3 to 50 characters | — |
LAK | Laos | Wire | • Purpose of payment: 3 to 50 characters | — |
LBP | Lebanon | Wire, EFT | • IBAN Number: starts with "LB" followed by exactly 26 characters • Beneficiary Name: 1 to 35 characters • Purpose of payment: 3 to 50 characters | • Limit: LBP 30,000,000 • Amount to be rounded off |
LKR | Sri Lanka | Wire | • Purpose of payment: 3 to 50 characters | — |
LRD | Liberia | Wire | • Purpose of payment: 3 to 50 characters | — |
LSL | Lesotho | Wire | • Purpose of payment: 3 to 50 characters | — |
LYD | Libya | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
MAD | Morocco | Wire, EFT | • IBAN / Account Number (Wire): "MA" followed by 26 digits • Account Number (EFT): exactly 18 digits • Beneficiary Name: 1 to 35 characters • Purpose of payment: 3 to 50 characters • Routing Code (Guichet Bancaire): 6 digits | — |
MDL | Moldova | Wire | • Account Number: starts with "MD" followed by exactly 22 characters • Purpose of payment: 3 to 50 characters | — |
MGA | Madagascar | Wire | • IBAN Number: starts with "MG" followed by 25 characters, or an account number of 23 to 27 digits • Purpose of payment: 3 to 50 characters | — |
MKD | North Macedonia | Wire | • Account Number: starts with "MK" followed by exactly 17 characters • Purpose of payment: 3 to 50 characters | — |
MMK | Myanmar | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
MNT | Mongolia | Wire | • Beneficiary Bank Branch Location or Branch Code: 3 to 30 characters • Account Number: 10 to 12 digits • Purpose of payment: 3 to 50 characters | — |
MOP | Macau | Wire | • Purpose of payment: 3 to 50 characters | — |
MRU | Mauritania | Wire | • IBAN Number: starts with "MR" followed by exactly 25 characters • Purpose of payment: 3 to 50 characters | — |
MUR | Mauritius | Wire | • IBAN Number: starts with "MU" followed by exactly 28 characters • Purpose of payment: 3 to 50 characters | — |
MVR | Maldives | Currently unavailable | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
MWK | Malawi | Currently unavailable | • Purpose of payment: 3 to 50 characters | — |
MXN | Mexico | Wire, Instant | • CLABE Account Number: exactly 18 digits • Account Type: checking or savings • Beneficiary Name: 1 to 30 characters • Beneficiary Phone Number: up to 30 characters (digits, dashes or spaces only) • ABM Routing Code: exactly 6 digits (3-digit bank + 3-digit branch) | — |
MYR | Malaysia | Wire, Instant | • Purpose of payment: 3 to 50 characters | • Limit: MYR 200,000 (MYR 99,500 for non-residents) • Additional documents may be requested from USD 25,000 • Maybank accounts require a receiver ID |
MZN | Mozambique | Wire | • IBAN Number: starts with "MZ" followed by exactly 23 characters • Tax ID (NUIT): 9 digits | — |
NAD | Namibia | Wire | • Purpose of payment: 3 to 50 characters | • The beneficiary may be asked for documents by the correspondent or beneficiary bank |
NGN | Nigeria | Wire, EFT | • Account Number: exactly 10 characters • Purpose of payment: 3 to 50 characters | — |
NIO | Nicaragua | Wire | • Purpose of payment: 3 to 50 characters | — |
NOK | Norway | Wire, EFT | • IBAN Number (Wire): starts with "NO" followed by exactly 13 characters • Account Number (EFT): 11 digits • Beneficiary Branch Code: exactly 4 digits • Purpose of payment: 3 to 50 characters | • Limit: under NOK 10,000,000 • Remittance information is not supported |
NPR | Nepal | Wire | • Beneficiary Bank Branch Name: 3 to 30 characters • Beneficiary Phone Number: 1 to 20 characters • Purpose of payment: 3 to 50 characters | — |
NZD | New Zealand | Wire, EFT | • Bank Routing Code: exactly 6 digits • Account Number (EFT): exactly 10 digits • Account Number (Wire): 15 or 16 digits • Beneficiary Name: 1 to 20 characters • Purpose of payment: 3 to 50 characters | • EFT account number = 7-digit account + 3-digit suffix • Wire account number = 2-digit bank + 4-digit branch + 7-digit account + suffix |
OMR | Oman | Wire | • IBAN Number: starts with "OM" followed by exactly 21 characters • Purpose of payment: up to 50 characters | • IBAN is mandatory |
PAB | Panama | Wire | • Purpose of payment: 3 to 50 characters | — |
PEN | Peru | Wire, EFT | • Account Number: exactly 20 characters • Branch ID: 6 digits (bank + branch code) • Beneficiary Name: 1 to 35 characters • Beneficiary Tax ID (corporate): exactly 11 characters • Beneficiary Tax ID (individual): 8 characters • Purpose of payment: 1 to 50 characters | • Amount to be rounded off |
PGK | Papua New Guinea | Wire | • Purpose of payment: up to 50 characters | — |
PHP | Philippines | Wire, EFT, Instant | • Account Number: 1 to 25 characters • Purpose of payment: 3 to 50 characters | • EFT limit: PHP 490,000 • Additional documents are required above PHP 500,000 |
PKR | Pakistan | Wire | • IBAN Number: starts with "PK" followed by exactly 22 characters • NTN (National Tax Number) • Purpose of payment: 3 to 50 characters | • The beneficiary must complete Form R (inward remittance form) stating the purpose of payment |
PLN | Poland | Wire, EFT, Instant | • Account Number: exactly 26 digits • Secondary Routing Code: exactly 8 digits • IBAN Number (Wire): starts with "PL" followed by exactly 26 characters • Beneficiary Name: 1 to 34 characters (1 to 100 for Wire) | — |
PYG | Paraguay | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Beneficiary Phone Number: 1 to 20 characters • Beneficiary Tax ID: 6 to 9 digits • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
QAR | Qatar | Wire | • IBAN Number: starts with "QA" followed by exactly 27 characters • Purpose of payment: 3 to 50 characters | • No processing on Fridays |
RON | Romania | Wire, EFT | • IBAN Number: starts with "RO" followed by exactly 22 characters • Beneficiary Name: 1 to 35 characters • Purpose of payment: 3 to 50 characters | • If the beneficiary bank SWIFT code is TREZROBU, both remitter and beneficiary must provide their Fiscal ID (NIF) • EFT limit: RON 50,000 |
RSD | Serbia | Wire | • IBAN Number: starts with "RS" followed by exactly 20 characters • Account Number: 1 to 20 characters • Purpose of payment: 3 to 50 characters | • The beneficiary must present documents to receive funds |
RWF | Rwanda | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • Amount to be rounded off |
SAR | Saudi Arabia | Wire | • IBAN Number: starts with "SA" followed by exactly 22 characters • Purpose of payment: 3 to 50 characters | • No processing on Fridays |
SBD | Solomon Islands | Wire | • Purpose of payment: 3 to 50 characters | — |
SCR | Seychelles | Wire | • Purpose of payment: 3 to 50 characters | — |
SEK | Sweden | Wire, EFT, Instant | • IBAN Number (Wire): starts with "SE" followed by exactly 22 characters • Purpose of payment: 3 to 50 characters | — |
SGD | Singapore | Wire, EFT | • Clearing Code: exactly 7 digits • Account Number (Wire): 1 to 15 characters • Account Number (EFT): 1 to 11 digits • Beneficiary Name: 1 to 20 characters • Purpose of payment: 3 to 50 characters | — |
SHP | Saint Helena | Wire | • Purpose of payment: 3 to 50 characters | — |
SLE | Sierra Leone | Wire | • Account Number: 18-digit BBAN (bank code, branch code, account number and currency type) • Purpose of payment: 3 to 50 characters | — |
SRD | Suriname | Wire | • Purpose of payment: 3 to 50 characters | — |
STN | Sao Tome and Principe | Wire | • IBAN Number: starts with "ST" followed by exactly 22 characters • Purpose of payment: 3 to 50 characters | — |
SVC | El Salvador | Wire | • Purpose of payment: up to 50 characters | — |
SZL | Eswatini | Wire | • Purpose of payment: 3 to 50 characters | — |
THB | Thailand | Wire, EFT | • Account Number: 5 to 34 characters • Purpose of payment: 3 to 50 characters | • The beneficiary may be asked for documents by the correspondent or beneficiary bank • Limit: THB 700,000 |
TJS | Tajikistan | Wire | • Purpose of payment: 3 to 50 characters | — |
TMT | Turkmenistan | Wire | • Purpose of payment: 3 to 50 characters | — |
TND | Tunisia | Wire, EFT | • IBAN Number (Wire): starts with "TN" followed by exactly 22 characters • Account Number (EFT): 20 digits • Local Bank Code: 1 to 5 characters • Beneficiary Name: 1 to 35 characters • Purpose of payment: up to 50 characters | — |
TOP | Tonga | Wire | • Purpose of payment: 3 to 50 characters | — |
TRY | Turkey | Wire | • IBAN Number: starts with "TR" followed by exactly 24 characters • Purpose of payment: up to 50 characters | • Remittance information is not supported |
TTD | Trinidad and Tobago | Wire, EFT | • Beneficiary Name: 1 to 35 characters • Purpose of payment: 3 to 50 characters | — |
TWD | Taiwan | Wire | • Purpose of payment: 3 to 50 characters | • Amount to be rounded off • The beneficiary must endorse an arrival notice from their bank before funds are credited |
TZS | Tanzania | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
UGX | Uganda | Wire | • Purpose of payment: 3 to 50 characters | • Tax payments to the Uganda Revenue Authority need a 13-character PRN • Amount to be rounded off |
USD | United States | Wire, ACH, Instant | • Routing Number (ABA): exactly 9 digits; use the ACH routing number • Account Number: 1 to 17 characters | • See BANK002 for help finding your routing number |
UYU | Uruguay | Wire, EFT | • Beneficiary Bank Branch Code: 3 to 30 characters • Routing Code: 3 or 7 digits (3-digit bank + 4-digit branch) • RUC/CI Tax ID: 8 (CI) or 12 (RUC) characters • Beneficiary Name: 1 to 35 characters • Purpose of payment: 3 to 50 characters | — |
UZS | Uzbekistan | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
VND | Vietnam | Wire | • Beneficiary Bank Branch Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • Payments to individuals require the beneficiary's date of birth • Amount to be rounded off |
VUV | Vanuatu | Wire | • Purpose of payment: up to 50 characters | • Amount to be rounded off |
WST | Samoa | Wire | • Purpose of payment: 3 to 50 characters | — |
XAF | Cameroon, Central African Republic, Chad, Republic of the Congo, Equatorial Guinea, Gabon | Wire, EFT | • IBAN / Account Number: country code (CM, CF, TD, CG, GQ or GA) followed by 25 characters, or 23 digits • Account Type: checking or savings | • Amount to be rounded off |
XCD | Anguilla, Antigua and Barbuda, Dominica, Grenada, Montserrat, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines | Wire | • Purpose of payment: 3 to 50 characters | — |
XCG | Netherlands Antilles | Wire | • Purpose of payment: up to 50 characters | • Formerly ANG; the currency code changed to XCG on March 31, 2025 |
XOF | Benin, Burkina Faso, Cote d'Ivoire, Mali, Senegal, Togo | Wire | • IBAN / Account Number: country code (BJ, BF, CI, ML, SN or TG) followed by 26 characters, or 24 digits • Account Type: checking or savings •Beneficiary Name: 1 to 35 characters • Bank Code: 4 characters | • Amount to be rounded off |
XOF | Guinea-Bissau | Wire | • IBAN / Account Number: "GW" followed by 23 characters, or 21 digits • Account Type: checking or savings • Beneficiary Name: 1 to 35 characters • Bank Code: 4 characters | • Amount to be rounded off |
XPF | French Polynesia, New Caledonia, Wallis and Futuna | Wire | • IBAN Number: starts with "FR" followed by exactly 25 characters | • Amount to be rounded off |
YER | Yemen | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
ZAR | South Africa | Wire, EFT | • Bank Branch Number: exactly 6 digits • Account Number (EFT): up to 13 characters (not 12) • Beneficiary Bank Branch Name: 3 to 30 characters • Beneficiary Name: 1 to 35 characters • Beneficiary Phone Number: 1 to 20 characters • Contact Name: 3 to 30 characters • Purpose of payment: 3 to 50 characters | • EFT is limited to pension, interest, dividend and government-related payments, up to ZAR 5,000,000 |
ZMW | Zambia | Wire | • Beneficiary Bank Branch Name or Branch Code: 3 to 30 characters • Purpose of payment: 3 to 50 characters | — |
Euro (EUR)
EUR transfers are sent by SEPA or wire. The only bank detail you need beyond the requirements for all currencies is the IBAN, which must start with the country code shown and have the exact total length listed. The total length includes the two-letter country code.
Country | IBAN starts with | Total IBAN length |
|---|---|---|
Andorra | AD | 24 |
Austria | AT | 20 |
Belgium | BE | 16 |
Bulgaria | BG | 22 |
Croatia | HR | 21 |
Cyprus | CY | 28 |
Czech Republic | CZ | 24 |
Denmark | DK | 18 |
Estonia | EE | 20 |
Finland | FI | 18 |
France | FR | 27 |
French Guiana | FR | 27 |
Germany | DE | 22 |
Greece | GR | 27 |
Guadeloupe | FR | 27 |
Holy See (Vatican City State) | VA | 22 |
Hungary | HU | 28 |
Iceland | IS | 26 |
Ireland | IE | 22 |
Italy | IT | 27 |
Kosovo | XK | 20 |
Latvia | LV | 21 |
Liechtenstein | LI | 21 |
Lithuania | LT | 20 |
Luxembourg | LU | 20 |
Malta | MT | 31 |
Martinique | FR | 27 |
Mayotte | FR | 27 |
Monaco | MC | 27 |
Montenegro | ME | 22 |
Netherlands | NL | 18 |
Norway | NO | 15 |
Poland | PL | 28 |
Portugal | PT | 25 |
Reunion | FR | 27 |
Romania | RO | 24 |
San Marino | SM | 27 |
Slovakia | SK | 24 |
Slovenia | SI | 19 |
Spain | ES | 24 |
St-Pierre et Miquelon | FR | 27 |
Sweden | SE | 24 |
Switzerland | CH | 21 |
Ukraine ‡ | UA | 29 |
United Kingdom | GB | 22 |
‡ Payments to the Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia regions are not supported.
Currencies We Don't Support
Some currencies and countries are not supported because of sanctions or because the currency has been retired. For the full list, see the "Currencies we don't support" section of BANK007 — Xtrm currency list by transfer method.