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12.

2016
Version 3.4
Version 3.0

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PAYMENT FORMATTING GUIDELINES

TABLE OF CONTENTS
CURRENCY GUIDELINES ................................................................................. 3
MAXIMIZING THE USE OF THE GUIDELINES .................................................. 3
BBAN / BASIC ACCOUNT NUMBER .................................................................. 4
IBAN / ACCOUNT NUMBER ............................................................................... 4
SWIFT / BIC CODE ............................................................................................. 4
BANK CODE ....................................................................................................... 5
NON-SWIFT BIC ................................................................................................. 5
ADDITIONAL REQUIREMENTS ........................................................................ 5
IBAN & SWIFT CODE COUNTRIES ................................................................... 6

COUNTRY CURRENCIES (BY CURRENCY CODE)


CURRENCIES A - E ............................................................................................ 7
EURO IBAN REQUIREMENTS ......................................................................... 23
CURRENCIES F - K .......................................................................................... 31
CURRENCIES L - Q .......................................................................................... 41
CURRENCIES R - T .......................................................................................... 52
CURRENCIES U - Z .......................................................................................... 59
ADDENDUM 1.1 LOW VALUE QUICK GUIDE.................................................. 64
ADDENDUM 1.2 IBAN QUICK GUIDE .............................................................. 65
ADDENDUM 1.3 CUTOFF GUIDE .................................................................... 67
ADDENDUM 1.4 BEST PRACTICES QUICK GUIDE ........................................ 74
ADDENDUM 1.5 DOCUMENT MODIFICATION HISTORY ............................... 79

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PAYMENT FORMATTING GUIDELINES

CURRENCY GUIDELINES
Below are guidelines based on currency, regarding the formatting of account numbers, in
addition to any other necessary information required by Western Union Business Solutions
and/or the beneficiary institution that may be mandatory to effect payments to the intended
beneficiary. Please note that ALL payments require an account number to accompany the
transaction, the following guide should provide a framework for validating the account number
and that mandatory requirements are satisfied prior to processing.
If additional information is necessary to transfer certain currencies into certain geographical
areas, it will be indicated in the Guide for Specific Country Requirements or the Best Practice
Guide.
When applicable, Low Value Payment guidelines will be provided under the designated
currencies: AUD, CAD, EUR, GBP, HKD, NOK, NZD, SGD and USD.

MAXIMIZING THE USE OF THIS DOCUMENT


When using this document, it is important to verify currency requirements when sending a
foreign currency wire to the specified beneficiary bank country. By doing so Western Union
Business Solutions will be able to continue to seamlessly process all payments while
minimizing any requests for additional payment processing information.
Please be aware that sending exotics cross border you may increase the potential risk of
rejects/return of funds and thus generate an FX loss.

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PAYMENT FORMATTING GUIDELINES

BBAN/BASIC BANK ACCOUNT NUMBER


The Basic Bank Account Number (BBAN) is an identifier that uniquely distinguishes an
individual account, at a specific financial institution, in a particular country. The BBAN includes
a bank identifier of the financial institution servicing that account. The BBAN is implemented by
each national banking community and is comprised of the domestic account number, branch
details and routing information. The BBAN serves as the core of the IBAN.

IBAN/INTERNATIONAL BANK ACCOUNT NUMBER


The International Bank Account Number (IBAN) is an international standard for identifying
bank accounts across national borders.
The IBAN was originally developed to facilitate payments within the European Union but the
format is flexible enough to be applied globally. IBAN imposes a flexible but regular format for
account identification and contains validation information to avoid errors of transcription.
The IBAN's primary purpose is to facilitate cross-border inter-bank routing and avoid routing
errors.
The IBAN consists of a 2 digit country code, followed by two check digits and up to thirty
alphanumeric characters for the domestic bank account number, called the BBAN (Basic Bank
Account Number). It is up to each country's national banking community to decide on the
length of the BBAN for accounts in that country, but its length must be fixed for any given
country. Further specifics regarding different country IBAN lengths and characteristics are
detailed below.
When a country has an established IBAN, Western Union Business Solutions
recommends using the IBAN for payments into these countries regardless of the
currency.

SWIFT/BIC CODE
ISO 9362 (also known as SWIFT-BIC, BIC code, SWIFT ID or SWIFT code) is a standard
format of Bank Identifier Codes approved by the International Organization for Standardization
(ISO). It is the unique identification code of a particular bank. These codes are used when
transferring money between banks, particularly for international wire transfers.
The SWIFT code is 8 or 11 characters, made up of:

4 characters - bank code (only letters)


2 characters - ISO 3166-1 alpha-2 country code (only letters)
2 characters - location code (letters and digits) (if the second character is '1', then it
denotes a passive participant in the SWIFT network)
3 characters - branch code, optional ('XXX' for primary office) (letters and digits)

Where an 8-digit code is given, it may be assumed that it refers to the primary office.

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PAYMENT FORMATTING GUIDELINES

BANK CODE
A Bank Code is a code assigned by a central bank, a Bank Supervisory Body or a Bankers
Association in a country assigned to all its licensed member banks. The rules vary to great
extent between the countries. Also the name of such a code varies.
EXAMPLES:

United States - Routing Number or ABA Number


Canada - Transit Number
United Kingdom - Sort Code
Australia/New Zealand - BSB Code (Bank State Branch)
India Indian Financial System Code (IFSC)
Hong Kong Hong Kong Branch Code
Singapore Singapore Branch Code

The bank code typically appears on the bottom of negotiable instruments such as checks
identifying the financial institution on which it was drawn.

NON-SWIFT BIC
Non-SWIFT BICs, as defined by the SWIFT Glossary are Business Identifier Codes which
retain a 1 in the eighth spot of the BIC. These are not connected to the SWIFT Network, and
in most instances are not able to be paid directly, with the exception of EUR SEPA payments,
when applicable. In the event that a payment is remitted to an institution which has one of
these BICs, an override SWIFT or correspondent instructions may need to be provided (An
override SWIFT/BIC is an active SWIFT/BIC for an institution that accepts payments on behalf
of the Non-SWIFT BIC through the SWIFT network).
For non-SEPA payments, users should include the Non-SWIFT BIC in the SWIFT Branch
Details field and input the override SWIFT in the beneficiary bank SWIFT address field
For SEPA payments, verification is necessary to determine that the SWIFT/BIC is SEPA
eligible through contacting a Western Union Business Solutions Representative or through
accessing the list of SEPA Credit Transfer participants.

ADDITIONAL REQUIREMENTS
When a beneficiary phone number, contact name at the beneficiary organization, or purpose of
payment are required to effect transactions, this information should always be placed in the
appropriate reference fields. Please be aware that any beneficiary addresses requested for
payments should not be a P.O Box address. Also, note that purpose of payment should be a
brief succinct description of the payment; an invoice number or reference may not satisfy this
requirement.
Additionally, the beneficiary may be required to contact their banking institution and fill out the
necessary paperwork, to expedite receipt of the following funds: COP, PKR, XPF, and ZAR.

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PAYMENT FORMATTING GUIDELINES

IBAN & SWIFT CODE COUNTRIES


IBAN & SWIFT/BICs are required for all EUR payments within the European Monetary Union
Countries and the European Economic Area (EEA) Countries. Additionally, some countries
have adopted the IBAN; it is highly recommended that when sending payments to these
countries that you ask for an IBAN in order to minimize any potential processing delays or incur
additional charges.
The following countries have adopted the IBAN:
Albania
Andorra
Angola
Austria
Republic of Azerbaijan
Bahrain
Belgium
Benin
Bosnia and Herzegovina
Brazil
Bulgaria
Burkina Faso
Burundi
Cameroon
Cape Verde
Central African Republic
Congo
Costa Rica
Croatia
Cyprus
Czech Republic
Denmark
Dominican Republic
Equatorial Guinea
Estonia
Faroe Islands
Finland
France
French Guiana
French Polynesia
Gabon
Georgia
Germany
Gibraltar
Greece

Greenland
Guadeloupe
Guatemala
Guernsey
Hungary
Iceland
Iran
Ireland
Isle of Man
Israel
Italy
Ivory Coast
Jersey
Jordan
Kazakhstan
Kuwait
Latvia
Lebanon
Liechtenstein
Lithuania
Luxembourg
Macedonia
Madagascar
Mali
Malta
Martinique
Mauritania
Mauritius
Moldova
Monaco
Montenegro
Morocco
Mozambique
Netherlands
New Caledonia

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Niger, Republic of
Norway
Pakistan
Poland
Portugal
Palestinian Occupied Territory
Reunion
Romania
Saint-Pierre and Miquelon
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Slovak Republic
Slovenia
Spain
Sweden
Switzerland
Togo
Tunisia
Turkey
United Arab Emirates
United Kingdom
Virgin Islands, British

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PAYMENT FORMATTING GUIDELINES

AED UNITED ARAB EMIRATES DIRHAM


REQUIRED:
Swift Branch Details Field (Bank to Bank): Should be blank
Beneficiary Bank BIC/SWIFT: Eight digits in length
Beneficiary Bank Country: United Arab Emirates
Beneficiary Account Number: 23 Character IBAN
IBAN Format: AEKK AAAB BBBBBBBBBBBBBBB
o AE = Country code
o K=IBAN Check digits
o A =Bank Code
o B = Account Number
Purpose for payment

ADDITIONAL CONSIDERATIONS:
Additional Bank details can/should be transmitted in the Client References field to avoid
additional processing charges

ALL - ALBANIAN LEK


REQUIRED:
Beneficiary Account Number: 28 Character IBAN
IBAN Format: ALKK AAAB BBBD CCCC CCCCCCCCCCCC
o AL = Country code
o K=IBAN Check digits
o A =Bank Code (KIB)
o B = Branch Code Account number (KIB)
o D = Account Check digit
o C = Account Number
Beneficiary Bank BIC/SWIFT: Eight Digits
Country: Albania
Purpose for payment
Full Name and Address of Beneficiary
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information. Payments Less than $25 (USD) equivalent may get rejected.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

AMD - ARMENIAN DRAM


REQUIRED:
Beneficiary Account Number: Eleven Sixteen digits in length
Beneficiary Bank SWIFT/BIC: Eight Eleven Digits
Purpose of Payment
Beneficiary Bank Full Name, Address & Country: Armenia
Full Name and Address for Beneficiary
OPTIONAL:
Beneficiary Full Name and Address should be transmitted as Individuals must present
Passport and Social Card to Claim funds.
Payments can be sent to Armenian Banks for individuals who do not hold accounts there. The
individual must provide the specific bank SWIFT/BIC and then their full ID and name should be
referenced in the beneficiary name and account number field
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

ANG ANTILLIAN GUILDER


REQUIRED
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Bank Country: Netherlands Antilles
Full name and Address of Beneficiary
Purpose of payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic): All payments cleared electronically. Payments are made on
value date.

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PAYMENT FORMATTING GUIDELINES

AOA ANGOLAN KWANZA


REQUIRED
Beneficiary Account Number: 25 Character IBAN
IBAN Format: AOKK AAAB BBBD CCCC CCCC CCCD D
o AO = Country Code
o K = IBAN Check digits
o A = Bank code
o B = Bar code (This field may be filled with zeros)
o C = Account number
o D = Account Check digit

Beneficiary Bank BIC/SWIFT: Eight Eleven digits


Purpose for payment
Full name and address of Beneficiary

ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

ARS ARGENTINE PESO


REQUIRED:
Beneficiary Account Number: CBU 22 numerical digits (may contain hyphens)
CBU Format: AAAAAAABBBBBCCCCCCCCCCD
o A = Bank Code
o B = Branch Code
o C = Account Number
o D = Check Digit
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Contact Name of Beneficiary at organization, Telephone Number & Address
CUIT #: Typically twelve-digit (may contain hyphen characters) Tax ID for businesses and
9-12 digits for individual Tax IDs.

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PAYMENT FORMATTING GUIDELINES

AUD AUSTRALIAN DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Valid Eight or Eleven digit SWIFT code
Routing Code:6 digit BSB code
NOTE: Both the BSB code and the Eight digit SWIFT code are required ~ otherwise the
payment will stop for repair or may be returned due to unknown branch location. Please also
be mindful that if the beneficiary bank is in Australia then you need to delete the BSB (routing
code) from the BENE bank account number if its inserted there.
Low Value Requirements:
Account Number: 6 to 10 digits
Routing Code: 6 digit eligible BSB Code
Beneficiary Country: Australia

AZN AZERBAIJAN MANAT


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight digits
Bank Country: Azerbaijan
Beneficiary Address
Purpose of Payment
Beneficiary Tax ID
Beneficiary Account Number: 28 Character IBAN
IBAN Format: AZKK AAAA BBBB BBBB BBBB BBBB BBBB
o AZ = Country Code
o K = IBAN Check digits
o A = Bank code
o B = Account number (This field may be filled with zeros)

BAM BOSNIA AND HERZEGOVINA CONVERTIBLE MARK


REQUIRED:
Beneficiary Account Number: 20 Alpha numerical digit IBAN
IBAN Format: BAKK BBBS SSCC CCCC CCKK
o B = Bank code
o S = Sort code
o C = Account No
o K = check digits
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Bank Country: Bosnia and Herzegovina
Purpose of payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic): All payments cleared electronically, and made on value date.

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PAYMENT FORMATTING GUIDELINES

BBD BARBADOS DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Country: Barbados
Beneficiary Bank Country: Barbados
RECCOMENDED:
Beneficiary Bank Branch Address: If eight digit SWIFT is provided
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic): All payments cleared electronically. Payments are made on
value date.

BDT BANGLADESH TAKA


BDT Payments cannot be credited to foreign currency accounts belonging to beneficiaries in
Bangladesh. The beneficiary must provide their bank with a completed Form C. The
beneficiarys bank will then pass it to our Correspondent, so that payment can be disbursed.
This is a mandatory requirement by the Central Bank.
REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight - Eleven Digits
Purpose of Payment
Beneficiary Bank Branch Name & Branch Address
Beneficiary Nationality or if a company details explaining purpose of payment in
reference fields.
Beneficiary telephone number
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) check is issued when payment instructions received,
and presented to the beneficiary bank through courier.
Expected beneficiary receipt date may be 1-3 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).
Beneficiary bank branch address should be included in Swift branch details in the template.

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PAYMENT FORMATTING GUIDELINES

BGN BULGARIAN LEV


REQUIRED:
Beneficiary Account Number: 22 Alpha numerical digit IBAN
IBAN Format: BGKK BBBB SSSS DDCC CCCC CC
o BG = Country Abbreviation
o K = Check digits
o B = alphanumeric bank code (first four letters of SWIFT)
o S = Branch (BAE) number
o D = numeric account type
o C = alphanumeric account No
Beneficiary Bank BIC/SWIFT: Eight digits
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Outgoing payments - legal requirement for the provision of (i) an anti-money laundering
(source(s) of funds) declaration for all payments exceeding BGN 30,000 or its equivalent in
respective currency; (ii) a statistical declaration for all payments exceeds BGN 100,000 or its
equivalent in respective currency. All payments for granting loans to foreign entities must be
declared. Budgetary payments must include the code word PAY and a six digit pay code (as
provided by your beneficiary) this should directly follow the beneficiary IBAN.
In addition to the above pay code, if your payment is a budgetary payment, field 72 (bank to
bank details) in your payment instruction will also be mandatory.

BHD BAHRAIN DINAR


REQUIRED:
Beneficiary Account Number: 22 Alpha numerical digit IBAN
IBAN Format: BHkk BBBB SSSS DDCC CCCC CC
o BH= Country Abbreviation
o k = Check digits
o B = Bank Identifier
o C = alphanumeric account No
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Purpose of Payment

BIF BURUNDI FRANC


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Bank Branch Address: If eight digit SWIFT is provided
Purpose of Payment
Full Name, Address of Beneficiary and Telephone Number
RECOMMENDED:
Beneficiary Account Number: 16 Alpha numerical digit IBAN
IBAN Format: BIKK AAAA AAAA AAAA
o BI= Country Abbreviation
o K = Check digits
o A = Branch Identifier & Account number

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PAYMENT FORMATTING GUIDELINES

BMD BERMUDIAN DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Purpose for payment
Full name and address of Beneficiary: Please note P.O Boxes are not acceptable.
ADDITIONAL CONSIDERATIONS:
Expected beneficiary receipt date may be 1-3 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

BND BRUNEI DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) varies depending on beneficiary bank. If bank is not
a part of electronic clearing house, a check is drawn and delivered to the beneficiary bank.
Expected beneficiary receipt date varies on beneficiary bank clearinghouse participation.

BOB BOLIVIAN BOLIVIANO


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Purpose of payment
Beneficiary Bank Branch Address
Full Address of Beneficiary
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) varies depending on beneficiary bank. If bank is not
a part of electronic clearing house, a check is drawn and delivered to the beneficiary bank.

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PAYMENT FORMATTING GUIDELINES

BRL BRAZILIAN REAL


REQUIRED:
Beneficiary Account Number: 29 Alpha numerical digit IBAN
IBAN Format: BRKK AAAA AAAA BBBB BCCC CCCC CCCC C
o BR= Country Abbreviation
o K = Check digits
o A = National Bank Code
o B = Branch Code
o C = Account number
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Routing Code: Four Digit Agencia Code
o This forms what is known as the Codigo Compe
Extrapolating the Agencia Code from the Codigo Compe:
AAA BBBB
AAA = Bank Code
BBBB = Agency/Agencia Code (Branch Code)
Beneficiary Bank Country: Brazil
Full Name or Contact Name at Beneficiary Organization or Entity
Address and Telephone number of Beneficiary
Purpose of payment
Beneficiary Authorization or Beneficiary Tax/National ID
Exact Bank Location required: only if swift is Eight Digits.
For the ID number requirement, please provide one of the following:
o Cadastro de Pessoas Fsicas (CPF) for Individuals or contractors
o Cadastro Nacional de Pessoas Jurdicas (CNPJ) for companies or businesses
o Registro Geral (RG) number used to identify individual
RECOMMENDATION:
Local regulations require the beneficiary to establish a Cadastro with our local provider INTL
FCSTONE DTVM LTDA. This must be provided within 10 days of the value date. Beneficiaries
can pre-registering with:
INTL FCStone DTVM Ltda
Departamento de Cmbio
Tel: 11 3509-5400
Email: Aline Prico (Aline.Perico@INTLFCStone.com)
Email: Daniele Santos (Daniele.Santos@intlfcstone.com)
Providing the following:
Corporation Registration
Corporation Registration
Limited Liability Company: Articles of incorporation
registered with the board of trade or commercial
registry
Corporations: Company Bylaws and most recent
Executive Board election minutes

Individual Registration
Notarized Registration Form

Copy of Taxpayer Identification Document C.P.F.


Notarized Standard Identification Document R.G.

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PAYMENT FORMATTING GUIDELINES

Investment Funds, Foundations, Clubs, Coops:


Authenticated and Notarized Consolidated copy of
most recent Bylaws and Regulations

Bill issued by a public utility dated no more than 90


days prior to registration

Audited Balance Sheet: No more than 18 months


from time of registration
Corporate Tax ID Certificate
Authorized Signatory Card Duly signed by
individual with account authorization as recognized
by the individuals bank

Authorized Signatory Card


Power of Attorney if applicable (along with
Identification Document for Individual with PoA)
Letter of Authorization: Granting IFL information
about FX transactions per PCAM 415, CAM57
SISBACEN or other information provided by Central
Bank of Brazil.
FATCA Declaration

Power of Attorney if applicable (along with


Identification Document for Individual with PoA)

FATCA Declaration

BSD BAHAMIAN DOLLAR


REQUIRED
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Country: Bahamas
Beneficiary Bank Country: Bahamas
Payments greater than BSD 10,000 may require a source of funds declaration.

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PAYMENT FORMATTING GUIDELINES

BTN BHUTAN NGULTRUM


REQUIRED
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Full name and address of Beneficiary
Purpose of payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

BWP BOTSWANA PULA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Bank Branch Address
Routing Code: Six digits
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): Payments are made electronically except in
instances where the beneficiary bank does not share SWIFT test keys with the Central Bank.
These beneficiary banks will receive checks for final credit to the beneficiary.

BZD BELIZE DOLLAR


REQUIRED
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Country: Belize
Beneficiary Bank Country: Belize

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PAYMENT FORMATTING GUIDELINES

CAD CANADIAN DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight - Eleven digits
Routing Code: Transit Code 9 numerical digits (four digit bank code + five digit branch id)
Please Note for Financial Institutions (FIS): That both Routing Code and Swift is required
REQUIRED (IF CROSS BORDER PAYMENT):
Beneficiary Address
NOTE: The routing code is the branch transit code. A 12 digit account number may comprise
of the last five digits of the transit code (known as branch identifier) followed by the 7 digit
account number. Canadian account numbers are typically between 7 to 12 digits, and vary in
length depending on the beneficiary bank or financial institution
LOW VALUE REQUIREMENTS:
Beneficiary Bank Country: Canada
Branch Transit Code: Transit Code 9 numerical digits (four digit bank code + five digit
branch id)
Account number: 7-12 digits

CHF SWISS & LIECHTENSTEIN FRANC


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight - Eleven Digits
Beneficiary Account Number: 21 Alpha numerical digit IBAN (IBAN may also have LI
country code)
IBAN Format: CHKK BBBB BCCC CCCC CCCC C
o CH or LI= country code
o KK = Check digits
o B = bank code
o C = Account Number

CLP CHILEAN PESO


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Bank Account Number: Not to exceed 20 digits
Beneficiary Bank Country: Chile
Registro Unico Tributario (RUT) Number: Beneficiary Tax Id # (digits only) in SWIFT
Branch Details
NOTE: The payment value must not exceed CLP 100,000,000

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PAYMENT FORMATTING GUIDELINES

CNY CHINESE YUAN RENMINBI


REQUIRED (HONG KONG):
Beneficiary Bank BIC/SWIFT: eight eleven digits
Beneficiary Address & Telephone Number
Remitter Address & Full Name
Purpose of Payment: Drop Down Menu
REQUIRED (MAINLAND CHINA):
Beneficiary Bank BIC/SWIFT: Eight - Eleven digits
Beneficiary Bank Routing code: CNAPS Code 12 digits
Contact name at beneficiary organization or entity
Beneficiary Address & Telephone Number
Purpose of Payment: Drop Down Menu (Trade Related Services is not acceptable)
ADDITIONAL CONSIDERATIONS:
For payments to individuals specific payment reason should accompany the payment as
paying invoice or Purchase of goods ONLY acceptable for companies.

CNH OFFSHORE RENMINBI


REQUIRED (HONG KONG):
Beneficiary Bank BIC/SWIFT: Eleven digits
Beneficiary Bank Country: Hong Kong
Beneficiary Address & Telephone Number
Purpose of Payment: Drop down menu
REQUIRED (MAINLAND CHINA):
Beneficiary Bank BIC/SWIFT: Eight - Eleven digits
Beneficiary Bank Routing code: CNAPS Code 12 digits
Beneficiary Bank Country: China
Beneficiary Address & Telephone Number
Purpose of Payment: Drop down menu (Trade Related Services or Travel Related is not
accepted)
Purpose of Payment Code: Drop down menu
REQUIRED(OTHER):
Beneficiary Bank BIC/SWIFT: Eight - Eleven digits
Beneficiary Address & Telephone Number
Purpose of Payment: Drop down menu
RECOMMENDED:
Beneficiary Bank Routing code: CNAPS Code 12 digits

RMB (CNH CNY)


Purpose of Payment Types and Codes.docx

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PAYMENT FORMATTING GUIDELINES

COP COLOMBIAN PESO


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Tax ID: NIT or RUT or Cedula
Beneficiary Contact Name at Organization/Company
Beneficiary Address & Telephone Number
Purpose of Payment
Exact Bank Location required: only if swift is Eight Digits.
ADDITIONAL CONSIDERATIONS:
Typically payments may take 3-5 days after value to be applied due to the need for beneficiary
to complete any of their banks required due diligence. To avoid potential processing delays for
payments to Colombia, beneficiaries are encouraged to provide the invoice in advance, to their
bank to assist in any extra due diligence requirements their institution may have.
For the ID number requirement one of the following is required:
Numero De Identification tributaria (NIT) is a ID used for businesses
Registro Unico Tributario (RUT) used for individuals who are engaging in work and may
independent of any business.
Cedula de Ciudadania is an ID number issued to all Colombian citizens.

CRC COSTA RICAN COLON


REQUIRED:
Beneficiary Account Number: 22 Alpha numerical digit IBAN
IBAN Format: CRKK BBBB CCCC CCCCCCCC CC
o CR= Country Abbreviation
o K = Check digits
o B = Bank Identifier
o C = alphanumeric account No
Beneficiary Tax ID: Cedula Juridicia 7 10 digit tax payer ID
Beneficiary Contact name at beneficiary organization or entity
Beneficiary Bank BIC/SWIFT: eight eleven digits
Beneficiary Bank Branch Address
Purpose of Payment
Beneficiary Address & Telephone Number
ADDITIONAL CONSIDERATIONS:
Below is the Central Bank of Costa Rica website that assists in converting account numbers to
IBANs http://www.bccr.fi.cr/sistema_pagos/informacion_general/IBAN.html

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PAYMENT FORMATTING GUIDELINES

CVE CAPE VERDE ESCUDO


REQUIRED
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Purpose of Payment
RECOMMENDED
Beneficiary Account Number: 25 Alpha numerical digit IBAN
IBAN Format: CVKK BBBB AAAA ACCC CCCCCCCC C
o CV= Country Code
o KK= Check Digits
o B= Four digit Bank Code
o A= Zeros preceding account number
OR
Beneficiary Account Number/BBAN:
NIB Format: AAAA AAAAAAAAAAAAAAAA XXX
o Minimum character length: 20 alphanumeric digits; can include decimal points (A)
o Maximum character length: 23 digits; can include decimal points (X)
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

CZK CZECH KORUNA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 24 Alpha numerical digit IBAN
IBAN Format: CZKK BBBB CCCC CCCCCCCCCCCC
o CZ = Country Code
o KK = Check digits
o B = Bank code
o C = Account No

DJF DJIBOUTI FRANC


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): All payments are made through checks.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

DKK DANISH KRONER


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 18 Alpha numerical digit IBAN
IBAN Format: DKKK BBBB CCCC CCCC CC
o DK = Country Code
o KK = Check digits
o B = Bank code
o C = Account No
ADDITIONAL CONSIDERATIONS:
It is common practice that a one day float is assessed by local banks.

DOP DOMINICAN PESO


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Passport # or RNC: Registro Nacional de Contribuyentes if the beneficiary
is a legal entity.
Beneficiary Telephone Number
Account Type: Checking or Savings
Beneficiary Account Number: 28 Alpha numerical digit IBAN
IBAN Format: DOKK BBBB CCCC CCCC CCCC CCCC CCCC
o DO= Country Abbreviation
o K = Check digits
o B = Bank Identifier
o C = Alphanumeric Account No
ADDITIONAL CONSIDERATIONS:
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).
The Central Bank of the Dominican Republic provides the following tool for assistance in
validating IBANs for various Central American countries:
http://www.bancentral.gov.do/sipard/main/main.asp
The URL above provides instruction on formatting for accounts locating in El Salvador,
Guatemala, Honduras, and Nicaragua in addition to Dominican Republic.

DZD ALGERIAN DINAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 20 digits
Bank Account Format: AAAA AAAA BBBB BBBB BBBB
o A= Bank Routing Code (Code Etablissment)
o B = Alphanumeric Account No

Purpose of Payment: See list of Central Bank of Algeria Purpose of


Payment Codes

Page 21 of 94

Purpose of Payment
Codes -DZD.docx

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PAYMENT FORMATTING GUIDELINES

EGP EGYPTIAN POUND


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
ADDITIONAL CONSIDERATIONS: Expected beneficiary receipt date may be 5-7 days from
the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily
apply on value date instructed).

ERN ERITREAN NAKFA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Branch Address
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

ETB ETHIOPIAN BIRR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information. Typically, the beneficiary receipt date is 2 days after value.

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PAYMENT FORMATTING GUIDELINES

EUR - EURO
ALL EUR PAYMENTS, WITHIN THE EU MONETARY UNION, EUROPEAN ECONOMIC
AREA (EEA) AND WHERE THE BENEFICIARY BANK COUNTRY MAINTAINS THE EUR
AS THEIR OFFICAL CURRENCY, REQUIRE AN IBAN AND BIC/SWIFT
LOW VALUE REQUIREMENTS (SEPA)
Eligible SEPA Credit Transfer SWIFT/BIC: Eight Eleven Digits.
NOTE: IF SWIFT is unconnected and on the SEPA sheet then it can be used in the SWIFT
code field. If SWIFT is unconnected but not on the SEPA sheet then it will follow the same
rules as an EFT.
Bank Account: IBAN for the designated country in the below table
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark

Estonia
Finland
France
Germany
Greece
Hungary
Iceland

Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta

Monaco
Netherlands
Norway
Poland
Portugal
Romania
San Marino

Slovak Republic
Slovenia
Spain
Sweden
Switzerland
United Kingdom

WIRE REQUIREMENTS:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits, in addition to the accompanying IBAN
if sent to one of the countries below or within the SEPA table:
Albania
Andorra
Azerbaijan
Bosnia and Herzegovina

Croatia
Faroe Islands
Georgia
Gibraltar

Greenland
Macedonia
Mauritania
Mauritius

Moldova
Montenegro
Serbia
Turkey

The following use the United Kingdom IBAN format: Guernsey, Jersey, and Isle of Man
The following use the Portuguese IBAN format: Azores and Madeira
The following use the Spanish IBAN format: Canary Islands, Ceuta and Melilla
The following countries all use the French IBAN format: French Guyana, French Polynesia, French Southern
Territories, Guadeloupe, Martinique, Mayotte, New Caledonia, Reunion, Saint Barthelemy, Saint Martin (French
Side), Saint Pierre et Miquelon, Wallis & Futuna Islands.

NOTE: When using an IBAN for euro payments do not list routing codes.

EUR EURO IBAN REQUIREMENTS


ALAND ISLANDS:

IBAN format: 18 Alpha Numerical Digits


AXKK BBBB BBCC CCCC CK
AX = Country Code
K = Check Digit
B = Bank code, Branch number and Account type
C = Account No

ANDORRA

IBAN format: 24 Alpha Numerical Digits


ADKK BBBB SSSS CCCC CCCCCCCC
AD = Country Code
K = Check Digits
B = Bank code
S = Branch code
C = Account No
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PAYMENT FORMATTING GUIDELINES

EUR EURO IBAN REQUIREMENTS (continued)


AUSTRIA:

IBAN format: 20 Alpha Numerical Digits


ATKK BBBB BCCC CCCC CCCC
AT = Country Code
K = Check digits
B = Bank code
C = Account No

BELGIUM:

IBAN format: 16 Alpha Numerical Digits


BEKK BBBC CCCC CCKK
BE = Country Code
K = Check Digits
B = Bank code (numeric)
C = Account No

BULGARIA:

IBAN format: 22 Alpha Numerical Digits


BGKK BBBB SSSS DDCC CCCC CC
BG = Country Code
K = Check Digits
B = Alphanumeric bank code (first four letters of SWIFT BIC)
S = Branch (BAE) number
D = Numeric account type
C = Alphanumeric account

CROATIA:

IBAN format: 21 Alpha Numerical Digits


HRKK BBBB SSSS DDCC CCCC CC
HR = Country Code
K = Check Digits
C = Alphanumeric account

CYPRUS:

IBAN format: 28 Alpha Numerical Digits


CYKK BBBS SSSS CCCC CCCCCCCCCCCC
CY = Country Code
K = Check Digits
B = Bank code
S = Sort code
C = Account No

CZECH REPUBLIC:

IBAN format: 24 Alpha Numerical Digits


CZKK BBBB CCCCCCCCCCCCCCCC
CZ = Country Code
KK = Check digits
B = Bank code
C = Account No.
C = Account No

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PAYMENT FORMATTING GUIDELINES

EUR EURO IBAN REQUIREMENTS (continued)


DENMARK:

IBAN format: 18 Alpha Numerical Digits


DKKK BBBB CCCC CCCC CC
DK = Country Code
K = Check digits
B = Bank No

ESTONIA:

IBAN format: 20 Alpha Numerical Digits


EEKK BBSS CCCC CCCC CCCK
EE = Country Code
K= Check Digits
B = Bank code
S = Sort code
C = Account No

FINLAND:

IBAN format: 18 Alpha Numerical Digits


FIKK BBBB BBCC CCCC CK
FI = Country Code
B = Bank code, Branch number and Account type
C = Account No
K = check digit

FAROE ISLANDS:

IBAN format: 18 Alpha Numerical Digits


FOKK BBBB BGGG GGCC CC
FO = Country code
B = Bank code
C = Account No
K = Check digit

FRANCE:

IBAN format: 27 Alpha Numerical Digits


FRKK BBBB BGGG GGCC CCCC CCCC CXX
FR = Country code
K = Check Digit
B = Bank code
G = Code Guichet (branch)
C = Account No
X = Cl RIB

The following countries all use the above IBAN format: French Guiana, French Polynesia, French Southern
Territories, Guadeloupe, Martinique, Mayotte, New Caledonia, Reunion, Saint Pierre et Miquelon, Wallis & Futuna
Islands

GERMANY:

IBAN format: 22 Alpha Numerical Digits


DEKK BBBB BBBB CCCC CCCC CC
DE = Country Code
K = Check Digits
B = Sort code (Bankleitzahl/BLZ)
C = Account No

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PAYMENT FORMATTING GUIDELINES

EUR EURO IBAN REQUIREMENTS (continued)


GIBRALTAR:

IBAN format: 23 Alpha Numerical Digits


GIKK BBBB CCCC CCCC CCCC CCC
GI = Country Code
K = Check Digits
B = Bank Code
C = Account No

GREECE:

IBAN format: 27 Alpha Numerical Digits


GRKK BBBB BBBC CCCC CCCCCCCC CCC
GR = Country Code
K = check digits
B = bank code and branch number
C = account No.

GREENLAND:

IBAN format: 18 Alpha Numerical Digits


GLKK BBBB CCCC CCCC CC
GL = Country Code
K = check digits
B = bank code
C = account No.

HUNGARY:

IBAN format: 28 Alpha Numerical Digits


HUKK BBBB BBBC CCCC CCCCCCCCCCCC
HU = Country Code
KK = Check Digits
B = Bank code
C = Account No

ICELAND:

IBAN format: 26 Alpha Numerical Digits


ISKK BBBB SSCC CCCC XXXX XXXX XX
IS = Country Code
K = Check Digits
B = Bank code
S = Sort code
C = Account No
X = holder's national identification number

IRELAND:

IBAN format: 22 Alpha Numerical Digits


IEKK AAAA BBBB BBCC CCCC CC
IE = Country Code
K = Check Digits
A= First 4 alphanumeric characters of the SWIFT
B = 6 digit long sort code
C = 8 digit account

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PAYMENT FORMATTING GUIDELINES

EUR EURO IBAN REQUIREMENTS (continued)


ITALY:

IBAN format: 27 Alpha Numerical Digits


ITKK KAAA AABB BBBC CCCC CCCC CCC
IT = Country Code
K = Check Characters
A = ABI bank code
B = Branch CAB number
C = Account

LATVIA:

IBAN format: 21 Alpha Numerical Digits


LVKK BBBB CCCC CCCCCCCC C
LV = Latvia
K = Check Digits
B = First four digits of the SWIFT
C = 13 digit account number

LIECHTENSTEIN:

IBAN format: 21 Alpha Numerical Digits


LIKK BBBB BCCC CCCC CCCC C
LI = Country Code
B = Bank code
C = Account No

LITHUANIA:

IBAN format: 20 Alpha Numerical Digits


LTKK BBBB BCCC CCCC CCCC
LT = Country Code
K = Check digits
B = Bank code
C = Account No

LUXEMBOURG:

IBAN format: 20 Alpha Numerical Digits


LUKK BBBC CCCC CCCCCCCC
LU = Country Code
K = Check Digits
B = Bank code
C = Account No.

MAURITANIA:

IBAN format: 27 Alpha Numerical Digits


MRKK BBBB BCCC CCDD DDDD DDDD DDD
MR = Country Code
K= Check digit
B = Bank Code
C = Branch Code
D = Account No

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PAYMENT FORMATTING GUIDELINES

EUR EURO IBAN REQUIREMENTS (continued)


MAURITIUS:

IBAN format: 30 Alpha Numerical Digits


MUKK BBBB CCCC DDDD DDDD DDDD DDDE EE
MU = Country Code
K= Check digit
B = Bank Code
C = Branch Code
D = Account No
E= Account Currency

MOLDOVA:

IBAN format: 24 Alpha Numerical Digits


MDKK BBCC DDDD DDDD DDDD DDDD
MD = Country code
K = Check digit
B = Bank code
C = Branch
D = Account No

MONACO:

IBAN format: 27 Alpha Numerical Digits


MCKK BBBB BGGG GGCC CCCC CCCC CKK
MC = Country code
K = Cl RIB
B = Bank code
G = Code Guichet (branch)
C = Account No
K = Cl RIB

MONTENEGRO:

IBAN format: 22 Alpha Numerical Digits


MEKK BBBC CCCC CCCC CCCC KK
ME = Country code
K = IBAN Check Digit
G = Bank Code
C = Account No
K = Account Check Digit

NETHERLANDS:

IBAN format: 18 Alpha Numerical Digits


NLKK AAAA BBBB BBBB BB
NL = Country Code
K = Check digit
A = Bank code
B = Account No

NORWAY:

IBAN format: 15 Alpha Numerical Digits


NOKK BBBB CCCC CCK
NO = Country Code
B = Bank code
C = Account No
K = Check digit

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PAYMENT FORMATTING GUIDELINES

EUR EURO IBAN REQUIREMENTS (continued)


POLAND:

IBAN format: 28 Alpha Numerical Digits


PLKK BBBB BBBk CCCC CCCCCCCCCCCC
PL = Country Code
K = Check digits
B = Bank code (1-3 institution ID, 4-7 branch)
C = Account No.

PORTUGAL:

IBAN format: 25 Alpha Numerical Digits


PTkk BBBB BBBB CCCC CCCC CCCK K
PT = Country Code
K = Check digits.
B = Bank code (1-4 bank code, 5-8 branch code)
C = Account number
K = Check digits.

The following countries all use the above IBAN format: Azores and Madeira

ROMANIA:

IBAN format: 24 Alpha Numerical Digits


ROKK BBBB CCCC CCCCCCCCCCCC
RO = Country Code
K = Check Digits
B = first 4 of the bank's identifier code BIC/SWIFT
C = specific bank branch and an account

SAN MARINO:

IBAN format: 27 Alpha Numerical Digits


SMKK KBBB BBSS SSSC CCCC CCCC CCC
SM = Country Code
K = Check Digits
B = Bank code
S = Branch code
C = Account No

SERBIA:

IBAN format: 22 Alpha Numerical Digits


RSKK BBBC CCCC CCCC CCCC KK
RS = Country Code
K = Check Digits
B = Bank code
C = Account Number

SLOVAK REPUBLIC: IBAN format: 24 Alpha Numerical Digits


SKKK BBBB SSSS SSCC CCCC CCCC
SK = Country Code
K = Check Digits
B = Bank code
S = Sort code
C = Account No

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PAYMENT FORMATTING GUIDELINES

EUR EURO IBAN REQUIREMENTS (continued)


SLOVENIA:

IBAN format: 19 Alpha Numerical Digits


SIKK BBBB BCCC CCCC CKK
SI = Country Code
K = IBAN Check Digits
B = first 2 represent the bank, the next 3 represent the branch
C = Account Number
K = Account Check digits

SPAIN:

IBAN format: 24 Alpha Numerical Digits


ESKK BBBB GGGG KKCC CCCC CCCC
ES = Country Code
K =Check digits
B = Bank code
G=Branch/office number
C = Account No

The following use the above IBAN format: Canary Islands, Ceuta and Melilla

SWEDEN:

IBAN format: 24 Alpha Numerical Digits


SEKK BBBB CCCC CCCCCCCCCCCC
SE = Country Code
K = Check Digits
B = Bank code
C = Account number

SWITZERLAND:

IBAN format: 21 Alpha Numerical Digits


CHKK BBBB BCCC CCCC CCCC C
CH = Country Code
K = Check Digits
B = Bank code
C = Account No.

TURKEY:

IBAN format: 26 Alpha Numerical Digits


TRKK BBBB BCDD DDDD DDDD DDDD DD
TR = Country Code
K = Check Digits
B = Bank code
C = Reserved for future use
D = Account No.

UNITED KINGDOM:

IBAN format: 22 Alpha Numerical Digits


GBKK BBBB SSSS SSCC CCCC CC
GB = Country Code
K = Check Digits
B =First four of BIC
S = Sort code
C = Account No

EUR EURO IBAN REQUIREMENTS (END)

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PAYMENT FORMATTING GUIDELINES

FJD FIJI DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: Up to 12 digits

GBP - BRITISH POUND (STERLING)


REQUIRED (Wire):
Beneficiary Bank BIC/SWIFT: eight eleven digits
Beneficiary Account Number: 22 Alpha numerical digit IBAN
IBAN Format: GBKK BBBB SSSS SSCC CCCC CC
o GB = Country Code
o K = Check Digits
o B =First four of BIC
o S = Sort code
o C = Account No
OR
Beneficiary Account: Eight digits
Beneficiary Bank Sort Code: Six numerical digits
Full Bank Address Is Required
NOTE: For GBP, we cannot have a SWIFT code and an 8 digit account number.
LOW VALUE REQUIREMENTS (BACS):
Beneficiary Country: United Kingdom (or overseas territories, Guernsey, Jersey and Isle of

Man)

Six Digit Sort Code: BACS Specific


Beneficiary Account Number: Eight Digits

ADDITIONAL CONSIDERATIONS:
Cross boarder payments to the UK (NON-GBP) should always have an IBAN and SWIFT
CODE

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PAYMENT FORMATTING GUIDELINES

GEL GEORGIA LARI


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Account Number: 22 Alpha numerical digit IBAN
IBAN Format: GEKK BBCC CCCC CCCCCCCC CC
o GE = Country Code
o K = Check Digits
o B = Bank Code
o C = Account No
Purpose of Payment
Beneficiary Address
Exact Bank Location required: only if swift is Eight Digits.
ADDITIONAL CONSIDERATIONS:
The Beneficiary will need to contact their bank and advise that these funds are arriving, and
potentially provide details of payment (Invoice and/or payment notification) to them to be
released in local currency.
Method of payment (Electronic or Check) varies depending on local requirements and validity
of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the date the
beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value
date instructed).

GHS - GHANIAN CEDI


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Bank Branch Code: Six Digits
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Expected beneficiary receipt date may be 1-2 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

GMD GAMBIAN DALASI


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) varies depending on local requirements and validity
of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

GNF GUINEA FRANC


REQUIRED:
Beneficiary Bank Account Number: 18 BBAN Number
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Bank Branch Address
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Please note that if you receive 16 digit account you need to check with the client as 18 digit
account number is specified. You may be able to add leading zeros but only after confirmation
from client.
Method of payment (Electronic or Check): All payments are cleared through checks.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

GTQ GUATEMALAN QUETZAL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Account Number: 28 Alpha numerical digit IBAN
IBAN Format: GTKK BBBB CCCC CCCC CCCC CCCC CCCC
o GT = Country Code
o K = Check Digits
o B = Bank Code
o C = Account No
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): Payments are typically cleared through checks,
though a low value type clearing system is due to be implemented. Expected beneficiary
receipt date may be 1-2 days after value (Beneficiary Bank may not necessarily apply on value
date instructed).

GYD GUYANA DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): Cleared electronically. Expected beneficiary receipt
date may be 1-2 days after value (Beneficiary Bank may not necessarily apply on value date
instructed).

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PAYMENT FORMATTING GUIDELINES

HKD HONG KONG DOLLAR


REQUIRED:
Account Number:
Account Number Format:
BBBCCCCCCCCC
B= Branch Identifier: Three digits (must match last three digits of the routing
code)
C = Account Identifier
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
RECOMMENDED:
Beneficiary Bank Branch Address
LOW VALUE REQUIREMENTS (ECG):
Beneficiary Bank Country: Hong Kong
Account Number Length: 6-12 Digits can include branch identifier
Beneficiary Bank Routing Code: Branch Specific Hong Kong Branch Code, Six Digits
o Bank Code Format: AAABBB
A = Institution Identifier
B = Branch Identifier

HNL HONDURAS LEMPIRA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Bank Branch Address
Beneficiary Phone Number
Beneficiary Address
Beneficiary Account Type
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Please note that individual to Individual payments in HNL will not be processed. Payments
from corporations/organizations to individuals are only accepted if they are for salary payments
or consultant fees. Method of payment (Electronic or Check): All payments are cleared through
check. Expected beneficiary receipt date may be 1-2 days after value (Beneficiary Bank may
not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

HRK CROATIAN KUNA


REQUIRED:
Beneficiary Account Number: 21 Alpha numerical digit IBAN
IBAN Format: HRKK CCCC CCCC CCCC CCCC C
o HR = Country Code
o K = Check Digits
o C = Account No
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information (Beneficiary Bank may not necessarily apply on value date
instructed).

HTG HAITIAN GOURDE


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eleven digits
Beneficiary Address
Purpose of Payment

HUF HUNGARIAN FORINT


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 28 Alpha numerical digit IBAN
IBAN Format: HUKK BBBB BBBC CCCC CCCCCCCCCCCC
o HU = Country Code
o K = Check Digits
o B = Bank code
o C = Account No
Purpose of Payment

IDR INDONESIAN RUPIAH


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Country: Indonesia
Purpose of Payment
Telephone Number of Beneficiary
SKN Code: Example - SKN/A/B/C/D (SKN is Indonesias local clearing system).
IDR SKN Code.docx

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PAYMENT FORMATTING GUIDELINES

ILS ISRAEL SHEQEL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number/IBAN: 23 Alpha Numerical Digits
IBAN Format: ILKK BBBN NNCC CCCC CCCC CCC
o IL= Country Code
o K = Check Digits
o B = Bank code
o N = Branch Code
o C = Account No
Purpose of Payment

INR INDIAN RUPEE


REQUIRED:
Routing Code: Indian Financial System Code (IFSC): 11 digit code representing a specific
branch location.
Beneficiary Bank BIC/SWIFT: Eight Digits Eleven Digits
Purpose of Payment Code: Detailed purpose of payment is required on all amounts of
INR (please see below) Please see regional specific POP codes below
Specific to NGO Beneficiaries: Payments to NGOs in India FCRA registration number
required.
A list of purpose of payment codes can be found here
(region specific):

APAC INR POP


CODES.docx

INR POP NA & EMEA


REGIONS.docx

ADDITIONAL CONSIDERATIONS:
If beneficiary bank is Indusin bank and SWIFT starts with INDBINBB and/or +Branches must
be replaced with INDBINBBGRD.
Ensuring that the 11 digit Indian Financial System Code correlates to the beneficiary branch
address provided will assist in minimizing any potential delays.
When paying or making a donation to an NGO beneficiary in India, the FCRA registration
number should be provided to avoid potential processing delays. A list of registered NGOs
under the FCRAs within India can be found on the following URL, here.
Please note our correspondent bank may hold INR payments to request an FCRA certificate
copy when the beneficiary of the funds holds a Foreign Contribution Regulation
Act (FCRA) Account. This enables approved non-profit organizations to receive foreign
contributions for fundraising/charity. Only when the FCRA document is received and reviewed
will the bank release the payment.
When sending GBP to India a detailed purpose of payment is also required.

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PAYMENT FORMATTING GUIDELINES

ISK ICELANDIC KRONA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 26 Alpha numerical digit IBAN
IBAN Format: ISKK BBBB BBBC CCCC CCCCCCCCCC
o IS = Country Code
o K = Check Digits
o B = Bank code
o C = Account No

JMD JAMAICAN DOLLAR


REQUIRED:
Beneficiary Bank Branch Address
Beneficiary Account Type: Checking or Saving
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Routing code: Bank code (3 Digits) + Transit code (5 Digits)

JOD JORDANIAN DINAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
IBAN: 30 Alpha Numerical Digits
IBAN Format: JOKK BBBB DDDD CCCC CCCC CCCC CCCC CC
o JO = Country Code
o K = Check digits
o B = Bank Identifier
o D = Branch Code
o C = Account Number
Purpose of payment
Purpose of payment code: 4-digit code
JOD Purpose of
Payment Types and Codes.docx

ADDITIONAL CONSIDERATIONS:
Domestic account numbers may be prefixed with leading zeros and must always be 18 digits.
All banks within the Kingdom of Jordan are required to verify the source and purpose of
payment for all payments exceeding JOD 10,000. Beneficiaries may be required to provide
invoice receipts, contracts or other contractual paperwork allowing their bank to confirm that
the funds are a legitimate payment.

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PAYMENT FORMATTING GUIDELINES

JPY JAPANESE YEN


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Address
Purpose of Payment
Beneficiary Bank Branch Address
OR
Beneficiary Bank Branch Name
ADDITIONAL CONSIDERATIONS:
Beneficiary banks within Japan require the beneficiary to contact the bank and confirm the
purpose of payment for amounts > 30,000 JPY. Please note that JPY cannot be sent to postal
bank.

KES KENYAN SHILLING


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Branch Name
Routing Code: 5-digit branch code

KGS KRYGYZSTANI SOM


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment:
ADDITIONAL CONSIDERATIONS:
Beneficiary may need to produce invoice to have funds credit their account in country.

KHR CAMBODIA RIEL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information, typically beneficiary bank will credit the beneficiary 5-7 days
after receiving the payment.

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PAYMENT FORMATTING GUIDELINES

KMF COMORO FRANC


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Address
RECOMMENDED:
Beneficiary Bank Branch Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

KRW SOUTH KOREAN WON


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Full Beneficiary Name
Full Beneficiary Address (No P.O Box)
Beneficiary Bank Country: South Korea
Beneficiary Country: South Korea
Full Bank Address Required
Beneficiary Telephone Number
Purpose of payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): All payments processed electronically.
If the payment amount is less than USD 2,000 then the payment is processed by the branch on
value date. If the amount is between USD 2000 and USD 20,000 then the beneficiary needs to
be contacted to provide his national ID (this ID should not be provided in the payment
instructions) and is needed to accept funds. Payments above USD 20,000 Citi Korea must
receive underlying documentation from beneficiaries.

KWD KUWAITI DINAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number/IBAN: 30 Alpha Numerical Digits
IBAN Format: KWKK BBBB CCCC CCCC CCCC CCCC CCCC CC
o KW= Country Code
o K = Check digits
o B = Bank Identifier
o C = Account Number
Purpose of payment

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PAYMENT FORMATTING GUIDELINES

KYD CAYMAN ISLAND DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): A draft is prepared and delivered to the beneficiary
bank for processing into the beneficiarys account; expected receipt date is typically 2 days.

KZT KAZAKHSTANI TENGE


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Address
Beneficiary Account Number/IBAN: 20 Alpha Numerical Digits
IBAN Format: KZkk BBBC CCCC CCCC CCCC
o KZ= Country Code
o K = Check digits
o B = Bank Identifier
o C = Account Number
Beneficiary ID: 12 digits and proceeded by the letters RNN (These are referred to as BIN
number for businesses or IIN for individual).
o I.E. RNN123456789012
Purpose of Payment Code: Single Payment Classification Code is 10 digits and is
required for every payment and should be preceded by the letters EKNP
o I.E. EKNP1734KZT890
First 2 digits
o 17 If Client/Clients Customer (*FIs or Broker clients) is a resident legal
entity
KZT Purpose of
o 27 If Client/Clients Customer (*FIs or Broker clients) is a non-resident
Payment Codes.docx
legal entity
o 2 Digit Beneficiary Code (see handout)
o 3 Character Currency Code (KZT)
o 3 Digit Payment Detail Code Last 3 digits (see KZT purpose of payment
code document)
Budget Code ** (only required for Tax Payments; KZT purpose of
payment code document)

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PAYMENT FORMATTING GUIDELINES

LAK LAOS KIP


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the
date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply
on value date instructed).

LBP LEBANESE POUND


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Account: 28 Alpha Numerical Digit IBAN
IBAN Format: LBKK BBBB CCCC CCCC CCCC CCCC CCCC
LB= Country Code
K = Check digits
B = Bank/Institution Code
C = Account No. 20 digits

LKR SRI LANKA RUPPEE


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Routing Code: 7-digit branch code
AAAA BBB
A = Bank Code
B = Branch Code
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
If the wire is for an amount > 1,000,000LKR (approx. USD10, 000) funds are electronically
cleared through RTGS. Below this amount, funds clear electronically through SLIPS. If
insufficient bank details are provided, a Bank Draft is issued and delivered to the beneficiary.

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PAYMENT FORMATTING GUIDELINES

LSL LESOTHO LOTI


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the
date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply
on value date instructed).

MAD MOROCCAN DIRHAM


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Account: 24 Numerical digits
Account format: AAAB BBCC CCCC CCCCCCCC CCDD
A = Bank code 3 digits
B = Location code 3 digits
C = Account No 16 digits
D = Check Digits
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): All payments are cleared through checks.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (beneficiary bank may not necessarily apply on value date instructed).
Any electronic payment orders not containing the above recommended beneficiary account
formatting will be processed manually by the Central Bank and potentially assessed fees,
which may vary from payment to payment.

MGA MADAGASCAR ARIARY


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Bank Branch Address
Beneficiary Address
RECOMMENDED:
Beneficiary Bank Account: 27 Alpha Numerical Digit IBAN
IBAN format: MGkk CCCC CCCC CCCC CCCC CCCC CCC
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

MKD MACEDONIA DENAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits:
Beneficiary Account: 19 Numerical digit IBAN
IBAN format: MKkk BBBC CCCC CCCC CKK
MK = Country Code
kk = Check Digits
B = Bank Code
C = Account Number
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MOP MACAO PATACA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

MRO MAURITANIA OUGUIYA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account: 27 Numerical digits IBAN
IBAN format: MRkk BBBB BCCC CCDD DDDD kk
MR = Country Code
kk = Check Digits
B = Bank Code
C = Branch Code
D = Account Number
Beneficiary Address
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MUR MAURITIUS RUPEE


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account: 30 Numerical digit IBAN
IBAN format: MUkk BBBB CCDD EEEE EEEEEEEE FFF GGG
MU = Country Code
kk = Check Digits
B = First four letters of BIC/SWIFT
C =Bank Code
D = Branch Code
E = Account number
F = Reserved for future use
G = Currency of account
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

MVR MALDIVES RUFIYAA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Bank Branch Address
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

MWK MALAWI KWACHA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Bank Branch Address
Beneficiary Address

MYR MALAYSIAN RINGGIT


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Bank Branch Address
Beneficiary Telephone Number
ADDITIONAL CONSIDERATIONS:
Please note that we are unable to send MYR to banks in Labuan. This off-shore territory does
not accept MYR payments due to regulatory restrictions. As an alternative, you can send USD
into this region.

MXN MEXICAN PESO


REQUIRED:
The CLABE number is required on all MXN payments sent to Mexico. For USD payments to
Mexico, providing a CLABE will minimize any issues regarding the account number. If sending
MXN cross border, the Intermediary Banks CLABE must be provided.

Beneficiary Bank BIC/SWIFT: Eight digits


Beneficiary Account Number: 18 digits CLABE
CLABE Format: AAABBBCCCCCCCCCCCD
A = Bank Code
B = Branch Office Code
C = Account Number
D = Control Digit

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PAYMENT FORMATTING GUIDELINES

MZN MOZAMBIQUE METICAL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Branch Address
Beneficiary Address
Purpose of Payment
Beneficiary Bank Account: NIB (Nmero de Identificao Bancria) typically 21 digits
RECOMMENDED:
Beneficiary Account Number: 25 digits IBAN
IBAN Format: MZKK AAAA AAAA AAAA AAAA AAAA A
MZ = Country Code
K = Check Digits

NAD NAMIBIAN DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Bank Branch Address
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

NGN NIGERIAN NAIRA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 10 digit Nigerian Uniform Bank Account Number (NUBAN)
Format: AAAAAAAAAB
A = NUBAN Account Serial Number
B = Check Digit
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

NIO NICARAGUAN CORDOBA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Address
Contact Name at Beneficiary Organization
Telephone Number of Contact at Beneficiary Organization
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

NOK NORWEGIAN KRONE


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN
IBAN Format: NOKK BBBB CCCC CCK
NO = Country Code
B = Bank code
C = Account No
K = Check digit
LOW VALUE REQUIREMENTS:
Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN
Beneficiary Bank BIC/SWIFT: Eight Eleven digit
Beneficiary Bank Country: Norway

NPR NEPALESE RUPEE


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment
Beneficiary Bank Branch Address
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Payments to Nepalese Nationals in Nepal can be done in NPR only.
Expected beneficiary receipt date may vary depending on location. Payment may take up to
10-12 days (not typical) depending on the location of the beneficiary and beneficiary bank.

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PAYMENT FORMATTING GUIDELINES

NZD NEW ZEALAND DOLLAR


REQUIRED:
Beneficiary Account number: Nine to ten Digits. If the routing code is included the
account number, you should remove the routing information so the account number is only
9 to 10 digits and ensure it is added to the routing code field
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Routing Code: Six Digits
LOW VALUE REQUIREMENTS:
Beneficiary Bank Country: New Zealand
Beneficiary Bank Code: Six Digits
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account number: Nine to ten Digits. If the routing code is included the
account number, you should remove the routing information so the account number is only
9 to 10 digits and ensure it is added to the routing code field.
ADDITIONAL CONSIDERATIONS (for extrapolating nine to ten digit account):
Beneficiary Account:15-18 digits
ACCOUNT FORMAT (Sixteen digit): AAAA AABB BBBB BBBC CC
A = Bank Code
B = Account Number
C = Suffix (Indicates account type)

OMR OMANI RIAL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment

PAB PANAMA BALBOA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Payments in Panama Balboa (PAB) to beneficiary swift code BAGEPAPA will require a valid
beneficiary telephone number.

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PAYMENT FORMATTING GUIDELINES

PEN PERUVIAN NUEVO SOL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Identification: Registro Unico de Contribuyente (RUC) or Documento
Nacional de Indetidad (DNI)
Beneficiary Account Number: Codigo de Cuenta Interbancario 20 digits (if beneficiary
bank is not Citibank Peru)
ADDITIONAL CONSIDERATIONS:
Identification in Peru is known as RUC RegistroUnico de Contribuyente for an entity (11 digits)
and DNI Documento Nacional de Indentidad for an individual (8 digits). A non-Peruvian tax
resident or entity may maintain their tax ID from the country where they are registered.

If your beneficiary is an entity with a RUC, the 11 digits should be preceded with RUC in
the payment details. Example: RUC 20123456789
If your beneficiary is an individual with a DNI, the 8 digits should be preceded with DNI in
the payment details. Example: DNI 12345678
If your beneficiary is a non-Peruvian tax resident the tax id should be preceded with TAX
ID in the payment details, regardless of whether they are an individual or an
entity. Example: TAX ID 4871126S

PGK PAPUA NEW GUINEA KINA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment

PHP PHILIPPINES PESO


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Country: Philippines
Beneficiary Bank Branch Address
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information, with some banks may enforce 1-2 day hold on credits to
beneficiary.

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PAYMENT FORMATTING GUIDELINES

PKR PAKISTAN RUPEE


REQUIRED
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 24 digits IBAN
IBAN Format: PKkk BBBB AAAA AAAA AAAA AAAA
PK = Country Code
k = Check Digits
B = Bank Code
A = Account number
Beneficiary Bank Branch Address
Purpose of Payment
Beneficiary Address
REQUIRED for NGOs

Specific to NGO Beneficiaries: The wire transfer originators address, CNIC/Passport


number, date or place of birth or where originator is a legal person, necessary details such
as registration number.

ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): Payment is cleared by managers checks or demand
drafts. Once the payment instruction is received our correspondent, the Branch sends a
payment initiation (via courier) to beneficiary bank seeking purpose of remittance (regulatory
requirement). The payment is released once the Beneficiary/ Beneficiary Bank provide the
purpose of remittance. Beneficiary bank branch address should be included in the Swift branch
details

PLN POLISH ZLOTY


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 28 Alpha Numerical Digit IBAN
IBAN Format: PLkk BBBB BBBB CCCC CCCCCCCCCCCC
PL = Country Code
B = Bank code (1-3 institution ID, 4-8 branch)
C = Account Number 16 digits
kk = Control Digits

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PAYMENT FORMATTING GUIDELINES

PYG PARAGUAY GUARANI


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Beneficiary Bank Branch Address
Purpose of Payment
Beneficiary Tax ID #:
Individuals: 6-8 digits; Cedula de identidad Civil (CI)
Companies: 11 digits; Registro Unico de Contribuyente (RUC)
RECOMMENDED:
Beneficiary Passport Number
Beneficiary Contact Phone
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): All payments are cleared by check.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

QAR QATARI RIAL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: 29 Alpha numerical digit IBAN
IBAN Format: QAKK BBBB CCCC CCCC CCCC CCCC CCCC C
o QA= Country Code
o K = Check digits
o B = Branch Code
o C = Account number
Purpose of Payment

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PAYMENT FORMATTING GUIDELINES

RON ROMANIAN NEW LEU


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account: 24 Alpha Numerical Digit IBAN
IBAN Format: ROKK BBBB CCCC CCCCCCCCCCCC
RO = Country Code
K = Check Digits
B = first 4 of the bank's identifier code BIC/SWIFT
C = specific bank branch and account
Purpose of Payment
Beneficiary Address
ADDITIONAL CONSIDERATIONS:
Payments to the State Treasury Accounts (SWIFT/BIC begins with: TREZ) require a fiscal
identification code of the beneficiary. Please request this from your beneficiary when paying
this SWIFT/BIC.

RSD SERBIAN DINAR


REQUIRED:
Beneficiary Account Number: IBAN 22 Alpha Numerical Digits
IBAN format: RSkk BBBC CCCC CCCC CCCC KK
o RS = Country Code
o B = bank code
o C = account No
o K = account check digits
Beneficiary Bank BIC/SWIFT: eight eleven digits
Beneficiary Address
Purpose of Payment
KOSOVO Requirements
REQUIRED:
Beneficiary Account Number: IBAN 20 Alpha Numerical Digits
IBAN format: XKAA BBBB CCCC CCCC CCCC
o XK = Country Code
o B = bank code
o C = account No
o A = account check digits
Beneficiary Bank BIC/SWIFT: eight eleven digits
Beneficiary Address
Purpose of Payment

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PAYMENT FORMATTING GUIDELINES

RUB RUSSIAN RUBLE


REQUIRED:
Beneficiary Account Number: 20-digit Beneficiary Bank Account
Number with Central Bank of Russia
Beneficiary Bank Routing Code: BIK (Russia Domestic Clearing Code)
9 digits
Beneficiary Bank Branch Address
Beneficiary Tax ID #: INN (Individualiy Nomer Nalogoplatelshika)
Individuals: 12 digits; formatted 123456789012
Companies: 10 digits; formatted 1234567890
Foreign Entities: 5 digits; formatted 12345
Beneficiary Address: no further details included in the field
Purpose of Payment: Code VO Code/Currency Operation Code see
RUBLES VO.docx file for description of VO codes. Please note there is
no space between VO and Code i.e. VO60080
If paying an individual, the patronymic name (fathers surname) is
also required.
Value Added Tax (VAT) Information: VAT or No VAT
Payment Reference Information: Brief description of the nature of
payment and reference to contract or invoice

RUBLES VO.docx

RECOMMENDED:
Beneficiary ID: KPP (Beneficiary Registration Code) 9 digits

RWF RWANDA FRANC


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Branch Address

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PAYMENT FORMATTING GUIDELINES

SAR SAUDI RIYAL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account: 24 Alpha Numerical Digit IBAN
IBAN format: SAkk BBCC CCCC CCCCCCCCCCCC
SA = Country Code
K = Check Digit
B = Bank code
C = Account No

SBD SOLOMON ISLANDS DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits

SCR SEYCHELLES RUPEE


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Remitter Full Name, Address and Account Number
Beneficiary Full Name and Address
Beneficiary Bank Branch Address
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): All payments are cleared by check.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

SEK SWEDISH KRONA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account: 24 Alpha Numerical Digit IBAN
IBAN format: SEKK BBBB CCCC CCCCCCCCCCCC
o SE = Country Code
o K = Check Digit
o B = Bank code
o C = Account No

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PAYMENT FORMATTING GUIDELINES

SGD SINGAPORE DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Routing Code: Seven Digits Branch Specific
Beneficiary Bank Branch Address(Recommended)
LOW VALUE REQUIREMENTS (IBG):
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Account: Five Eleven digits
Beneficiary Bank Country: Singapore
Beneficiary Bank Routing Code: Seven Digits Branch Specific
Singapore Branch Code: Account numbers first three digits typically contains the first
three of branch code (Please be aware this may not be the case for all banks in Singapore)

SLL - SIERRA LEONE


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Purpose of Payment
Exact Bank Location required: only if swift is Eight Digits.
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) varies depending on local requirements and validity
of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

SRD SURINAM DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Beneficiary Bank Branch Address
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) varies depending on local requirements and validity
of beneficiary information.

Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

STD SAO TOME AND PRINCIPE DOBRA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account: 25 Alpha Numerical Digit IBAN
IBAN format: PTKK BBBB BBBB CCCC CCCC CCCK K
o PT = Country Code
o K = Check Digit
o B = Bank code
o C = Account No

SZL SWAZILAND LANGENI


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Beneficiary Bank Branch Address
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) varies depending on local requirements and validity
of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

THB THAI BAHT


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Beneficiary Bank Branch Address
Purpose of Payment
*Draft Beneficiaries require a beneficiary address
Please Note: Local Thai banks usually have a fixed length of 10 digits for THB account
numbers. This may vary on occasion and this note is an FYI.

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PAYMENT FORMATTING GUIDELINES

TND TUNISIAN DINAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Numbers: 20 Digit BBAN
Purpose of Payment
RECOMMENDED
Beneficiary Account: 24 Numerical digit IBAN
IBAN format: TNkk BBCC CDDD DDDD DDDD DDKK
TN = Country Code
kk = Check Digits
B = Bank Code
C =Branch Code
D = Account Number

TOP TONGA PA ANGA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check): All payments are cleared by check.

TRY - TURKISH LIRA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number/IBAN: 26 Alpha Numerical Digits
IBAN format: TRkk BBBB BRCC CCCC CCCCCCCC CC
TR = Country Code
R= Reservation Space
K = Check Digits
B = Bank Code
C = Account number
Purpose of Payment

TTD TRINIDAD AND TOBAGO DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits

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PAYMENT FORMATTING GUIDELINES

TWD NEW TAIWAN DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Country: Taiwan
Beneficiary Address
Beneficiary Telephone Number
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed as
beneficiary is required to visit bank and complete required forms).

TZS TANZANIAN SHILLING


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Purpose of Payment

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PAYMENT FORMATTING GUIDELINES

UGX UGANDA SHILLING


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Branch Address

USD UNITED STATES DOLLAR


REQUIRED:
Cross Border Wire

All cross-border USD shall require a BIC/SWIFT. A routing code (Transit Code) is required
for USD into Canada.

When paying EU/EEA countries or those that have adopted an IBAN, Western Union
Business Solutions requires that an IBAN be provided. IBANs contribute to a decrease in
processing times and reduced error rates.

Notes:

USD to China if a correspondent is provided then we will use that, if one is not then one
will not be added.

USD to Cross Border for USD IBK, use BIC/SWIFT not ABA

USD Cross-Border- If SWIFT is 11 digits and it belongs to branch, add IBK, if it is a


head office, one will not be provided

RECOMMENDED:

When sending USD to a Ukrainian private account payments may stop and be delayed,
if not enough information is provided on the purpose of payment. Please see examples:
Salary, Wages, Prize, Bonus or Honorarium, Alimony, Insurance compensation,
Insurance payment, Compensation of damage or confirm that this transfer is not to be
connected with any business and investment activity.

Domestic Wire

9 digit ABA; see below for differentiating between ACH and Wire

High Value (Wire)

9 digit Fedwire ABA; ABA can be validated that it is able to accept Wire payments through
the following federal reserve website:
http://www.fedwiredirectory.frb.org/search.cfm
Note that the following territories, if the beneficiary banks are participants, are also able to
accept Fedwire fund transfers:
o Puerto Rico
o US Virgin Islands
o Guam
o Northern Mariana Islands

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PAYMENT FORMATTING GUIDELINES


**Please note that after you input the ABA in the appropriate field and have it verified, it is
eligible to receive Wires only if under the Fed wire Eligibility header it indicates FUNDS
ELIGIBLE**
Low Value (ACH)

9 Digit ACH ABA: ABA can be validated that it is eligible for ACH Low Value USD
transactions through the following link. Input the ABA and it indicates whether it is a
FedACH routing code.
http://www.fedwiredirectory.frb.org/search_ACH.cfm
Valid Beneficiary Address: is required for US and Canadian low value payments.

NOTE: It is critical to ensure the routing code is enabled for the selected payment method
(Wire or ACH). If you enter a Fed wire routing code on an ACH payment, the payment will
reject. If you enter an ACH routing code on a Wire payment, the payment will stop for repair at
the bank and may miss deadline or be rejected.
Komercni Bank
When sending USD payments to a beneficiary that banks with Komercni Bank we require the
below:
REQUIRED:
Payers Full Address

Beneficiaries Full Address


NOTE: Without these details payments can be delayed, as this is a requirement from
Komercni Bank.

UYU URUGUAYAN PESO


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits

UZS UZBEKISTAN SUM


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Contact Name of Beneficiary at Organization, Telephone Number
Beneficiary Address
Beneficiary Bank Branch Address
Purpose of Payment
Telephone Number
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) varies depending on local requirements and validity
of beneficiary information.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).

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PAYMENT FORMATTING GUIDELINES

VND VIETNAM DONG


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Beneficiary Bank Branch Address
Purpose of Payment

VUV VANUATU VATU


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits

WST SAMOA TALA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits

XAF CENTRAL AFRICAN CFA FRANC


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Country: Cameroon, Central African Republic, Chad, Equatorial
Guinea,
Beneficiary IBAN: 23 to 28 Alpha Numerical Digits
IBAN format: AABB BCCC CCDD DDDD DDDD DDEE (can vary based on country)
A = Country Code
B = Bank Code
C = Branch Code
D = Account Number
E = RIB Key
Please Note: Congo & Gabon have not adopted IBANs as of yet.

XCD EAST CARIBBEAN DOLLAR


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Country: Anguilla, Antigua & Barbuda, Dominica, Grenada, Montserrat,
Saint Kitts And Nevis, Saint Lucia and Saint Vincent and the Grenadines.

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PAYMENT FORMATTING GUIDELINES

XOF WEST AFRICAN CFA FRANC


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Country: Benin(BJ), Burkina Faso(BF), Cote DIvoire(CI), GuineaBissau(GW), Mali(ML), Republic of Niger(NE), Senegal(SN), Togo(TG)
Beneficiary IBAN: 24 to 28 Alpha Numerical Digits
IBAN format: AABB BCCC CCDD DDDD DDDD DDEE (can vary based on country)
A = Country Code
B = Bank Code
C = Branch Code
D = Account Number
E = RIB Key
ADDITIONAL CONSIDERATIONS:
Method of payment (Electronic or Check) varies depending on local requirements and validity
of beneficiary information.
Ivory Coast (Cote dIvoire) is same day or next day, all other countries next day. However, this
may differ, as it is contingent on the local banks throughout the region. Funds transfers that are
eligible for RTGS are completed same day or one day max depending on the time when the
instruction is received. The other funds transfers take 2 days to 3 days and up can take up to
10 days for countries such as Guinea-Bissau. For checks sent to clearing upcountry or out of
the country the transit time may take up to one month. The transit time for checks sent for
clearing in Abidjan is, on average, 2 days.

XPF CENTRAL POLYNESIAN FRANC


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Purpose of Payment

YER YEMENI RIAL


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
Purpose of Payment
ADDITIONAL CONSIDERATIONS:
Payments to Individuals must have Beneficiarys Passport Number except when beneficiary is
company or business entity.

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PAYMENT FORMATTING GUIDELINES

ZAR SOUTH AFRICAN RAND


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Account Number: Beneficiary Accounts with Standard Bank of South Africa
(SBZAZAJJ) should follow a 9 digit format for resident accounts and 11 digit formats for
non-resident accounts.
Routing Code: South Africa six digit routing code
RECOMMENDED:
Beneficiary Contact Details
NOTE: Western Union Business Solutions must have both the SWIFT code and routing code
for ZAR payments to South Africa. If the 6 digit routing code was not provided, the routing
code of the beneficiary bank head office should be selected. **The beneficiarys bank may
require the beneficiary to contact them to complete regulatory paperwork

ZMW ZAMBIAN KWACHA


REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Address
RECOMMENDED:
Routing Code (Sort): Six digits

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PAYMENT FORMATTING GUIDELINES

ADDENDUM 1.1
Least Cost/Low Value Payment Formatting Guidelines
Least Cost payments are not able to be amended (Amendment) once released, if the
information is not correct or invalid, these payments typically return immediately or within a
couple days of the assigned value date.
Proof of payment for Least Cost Payments is typically only a reference number that the bank
has executed the payment to the beneficiary bank under. These are in no way similar to what a
proof of payment represents when requested for a wire.
LV CURRENCY

REQUIREMENTS
Valid 6 digit Bank State Branch (BSB) Code
Beneficiary Bank Country: Australia
Seven - Twelve digit account number
Valid nine digit transit code
Beneficiary Bank Country: Canada
Eligible SEPA Credit Transfer BIC/SWIFT
Valid IBAN (See EUR currency profile for country specific IBANs and

AUD
Australian Dollar
CAD
Canadian Dollar
EUR
Euro

GBP
Sterling Pounds
HKD
Hong Kong Dollar

NOK
Norwegian Krone

NZD
New Zealand Dollar

SGD
Singapore Dollar
USD
United States
Dollar

country specific requirements)


Beneficiary Bank Country: Austria, Belgium, Bulgaria, Cyprus, Croatia,
Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece,
Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania,
Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal,
Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland,
United Kingdom.
Valid six digit BACS sort code
Eight digit bank account
Beneficiary Bank Country: UK (or overseas territory)
Beneficiary Bank Routing Code: Branch Specific Hong Kong Clearing
Code, Six Digits (first three are institution identifier; next three identify
branch.)
Beneficiary Bank Country: Hong Kong
Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN
Beneficiary Bank BIC/SWIFT: Eight Eleven digit
Beneficiary Bank Country: Norway
Valid six digit bank branch code
Nine to ten digits beneficiary account number
Beneficiary Bank Country: New Zealand
Beneficiary Bank BIC/SWIFT: Eight Eleven digits
Beneficiary Bank Routing Code: Seven Digits Branch Specific
Beneficiary Bank Country: Singapore
Valid ACH ABA (http://www.fedwiredirectory.frb.org/search_ACH.cfm)
Beneficiary Bank Country: USA or Canada (valid transit required if
beneficiary bank is within Canada)

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ADDENDUM 1.2
IBAN Formatting Quick Guide
If an IBAN is mandated, recommended or required by this document for a EUR or any other
currency, the format of the IBAN is detailed below.
Country
Albania
Andorra
Angola
Austria
Republic of Azerbaijan
Bahrain
Belgium
Benin
Bosnia and Herzegovina
Brazil
Bulgaria
Burkina Faso
Burundi
Cameroon
Cape Verde
Central African Republic
Congo
Costa Rica
Croatia
Cyprus
Czech Republic
Denmark
Dominican Republic
Equatorial Guinea
Estonia
Faroe Islands
Finland
France
French Guiana
French Polynesia
Gabon
Georgia
Germany
Gibraltar
Greece
Greenland
Guadeloupe
Guatemala
Guernsey
Guinea Bissau
Hungary
Iceland
Iran
Ireland
Isle of Man
Israel
Italy
Ivory Coast
Jersey
Jordan
Kazakhstan
Kuwait

IBAN
Length
28
24
25
20
28
22
16
24
20
29
22
27
16
27
25
27
27
22
21
28
24
18
28
27
20
18
18
27
27
27
27
22
22
23
27
18
27
28
22
24
28
26
26
22
22
23
27
24
22
30
20
30

Country
Code
AL
AD
AO
AT
AZ
BH
BE
BJ
BA
BR
BG
BF
BI
CM
CV
FR
CG
CR
HR
CY
CZ
DK
DO
GQ
EE
FO
FI
FR
FR
FR
GA
GE
DE
GI
GR
GL
FR
GT
GB
GW
HU
IS
IR
IE
GB
IL
IT
CI
GB
JO
KZ
KW

IBAN Example
AL11 2222 3333 4444 5555 6666 7777
AD11 2222 3333 4444 5555 6666
AO11 2222 3333 4444 5555 6666 7
AT11 2222 3333 4444 5555
AZ11 2222 3333 4444 5555 6666 7777
BH11 2222 3333 4444 5555 66
BE11 2222 3333 4444
BJ11 2222 3333 4444 5555 6666
BA11 2222 3333 4444 5555
BR11 2222 3333 4444 5555 6666 7777 8
BG11 2222 3333 4444 5555 66
BF11 2222 3333 4444 5555 6666 777
BI11 2222 3333 4444
CM11 2222 3333 4444 5555 6666 777
CV11 2222 3333 4444 5555 6666 7
FR11 2222 3333 4444 5555 6666 777
CG11 2222 3333 4444 5555 6666 777
CR11 2222 3333 4444 5555 66
HR11 2222 3333 4444 5555 6
CY11 2222 3333 4444 5555 6666 7777
CZ11 2222 3333 4444 5555 6666
DK11 2222 3333 4444 55
DO11 2222 3333 4444 5555 6666 7777
GQ11 2222 3333 4444 5555 6666 777
EE11 2222 3333 4444 5555
FO11 2222 3333 4444 55
FI11 2222 3333 4444 55
FR11 2222 3333 4444 5555 6666 777
FR11 2222 3333 4444 5555 6666 777
FR11 2222 3333 4444 5555 6666 777
GA11 2222 3333 4444 5555 6666 777
GE11 2222 3333 4444 5555 66
DE11 2222 3333 4444 5555 66
GI11 2222 3333 4444 5555 666
GR11 2222 3333 4444 5555 6666 777
GL11 2222 3333 4444 55
FR11 2222 3333 4444 5555 6666 777
GT11 2222 3333 4444 5555 6666 7777
GB11 2222 3333 4444 5555 66
GW11 2222 3333 4444 5555 6666
HU11 2222 3333 4444 5555 6666 7777
IS11 2222 3333 4444 5555 6666 77
IR11 2222 3333 4444 5555 6666 77
IE11 2222 3333 4444 5555 66
GB11 2222 3333 4444 5555 66
IL11 2222 3333 4444 5555 666
IT11 2222 3333 4444 5555 6666 777
CI11 2222 3333 4444 5555 6666
GB11 2222 3333 4444 5555 66
JO11 2222 3333 4444 5555 6666 7777 88
KZ11 2222 3333 4444 5555
KW11 2222 3333 4444 5555 6666 7777 88

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PAYMENT FORMATTING GUIDELINES


Country
Latvia
Lebanon
Liechtenstein
Lithuania
Luxembourg
Macedonia
Madagascar
Mali
Malta
Martinique
Mauritania
Mauritius
Moldova
Monaco
Montenegro
Morocco
Mozambique
Netherlands
New Caledonia
Niger, Republic of
Norway
Pakistan
Palestine, State of
Poland
Portugal
Reunion
Romania
Saint-Pierre and Miquelon
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Slovak Republic
Slovenia
Spain
Sweden
Switzerland
Togo
Tunisia
Turkey
United Arab Emirates
United Kingdom
Virgin Islands, British

IBAN
Length
21
28
21
20
20
19
27
24
31
27
27
30
24
27
22
24
25
18
27
24
15
24
29
28
25
27
24
27
27
25
24
24
22
24
19
24
24
21
24
24
26
23
22
24

Country
Code
LV
LB
LI
LT
LU
MK
MG
ML
MT
FR
MR
MU
MD
MC
ME
MA
MZ
NL
FR
NE
NO
PK
PS
PL
PT
FR
RO
FR
SM
PT
SA
SN
RS
SK
SI
ES
SE
CH
TG
TN
TR
AE
GB
VG

IBAN Example
LV11 2222 3333 4444 5555 6
LB11 2222 3333 4444 5555 6666 7777
LI11 2222 3333 4444 5555 6
LT11 2222 3333 4444 5555
LU11 2222 3333 4444 5555
MK11 2222 3333 4444 555
MG11 2222 3333 4444 5555 6666 777
ML11 2222 3333 4444 5555 6666
MT11 2222 3333 4444 5555 6666 7777 888
FR11 2222 3333 4444 5555 6666 777
MR11 2222 3333 4444 5555 6666 777
MU11 2222 3333 4444 5555 6666 7777 88
MD11 2222 3333 4444 5555 6666
MC11 2222 3333 4444 5555 6666 777
ME11 2222 3333 4444 5555 66
MA11 2222 3333 4444 5555 6666
MZ11 2222 3333 4444 5555 6666 7
NL11 2222 3333 4444 55
FR11 2222 3333 4444 5555 6666 777
NE11 2222 3333 4444 5555 6666
NO11 2222 3333 444
PK11 2222 3333 4444 5555 6666
PS11 2222 3333 4444 5555 6666 7777 8
PL11 2222 3333 4444 5555 6666 7777
PT11 2222 3333 4444 5555 6666 7
FR11 2222 3333 4444 5555 6666 777
RO11 2222 3333 4444 5555 6666
FR11 2222 3333 4444 5555 6666 777
SM11 2222 3333 4444 5555 6666 777
PT11 2222 3333 4444 5555 6666 7
SA11 2222 3333 4444 5555 6666
SN11 2222 3333 4444 5555 6666
RS11 2222 3333 4444 5555 66
SK11 2222 3333 4444 5555 6666
SI11 2222 3333 4444 555
ES11 2222 3333 4444 5555 6666
SE11 2222 3333 4444 5555 6666
CH11 2222 3333 4444 5555 6
TG11 2222 3333 4444 5555 6666
TN11 2222 3333 4444 5555 6666
TR11 2222 3333 4444 5555 6666 77
AE11 2222 3333 4444 5555 666
GB11 2222 3333 4444 5555 66
VG11 2222 3333 4444 5555 6666

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PAYMENT FORMATTING GUIDELINES

ADDENDUM 1.3
Currency Cutoff time deadlines
Cut-off Guide
This assumes the deal has cleared workflow and Western Union Business Solutions has irrevocable cleared funds or
client has available credit.
DC
AED
ALL
AMD
ANG
AOA
ARS
AUD HV
AUD LV
AZN
BAM
BBD
BDT
BGN
BHD
BIF
BMD
BND
BOB
BRL
BSD
BTN
BWP
BYR
BZD
CAD HV
CAD LV
CHF
CLP
CNY
CNY
MDE

2:25am

1:55am
2:45am

UK
7:25am

6:55am
7:45am

Same Day
CZ/FR/ZU
SG/HK
8:25am

7:55am
8:45am

3:25pm

1:55pm
2:45pm

AU

NZ

6:25pm

8:25pm

3:55pm
4:45pm

DC

6:55am

8:55pm
6:55pm
12:55am

9:55pm
7:55pm
1:55pm

3:55am
2:55am
8:55pm

5:55am
5:55am
11:55pm

One Day
CZ/FR/ZU SG/HK

AU

NZ

10:55am

11:55am

11:55am

12:55pm

5:55pm

6:55pm

7:55pm

5:30am

6:30am

12:30pm

2:30pm

UK

Two Day
CZ/FR/ZU
SG/HK

AU

NZ

1:00pm
2:25pm
1:00pm
1:00pm
2:25pm

6:00pm
7:25pm
6:00pm
6:00pm
7:25pm

7:00pm
8:25pm
7:00pm
7:00pm
8:25pm

2:00am
3:25am
2:00am
2:00am
3:25am

5:00am
6:25am
5:00am
5:00am
6:25am

7:00am
8:25am
7:00am
7:00am
8:25am

1:00pm
1:00pm
1:00pm
1:00pm
1:00pm

6:00pm
6:00pm
6:00pm
6:00pm
6:00pm

7:00pm
7:00pm
7:00pm
7:00pm
7:00pm

2:00am
2:00am
2:00am
2:00am
2:00am

5:00am
5:00am
5:00am
5:00am
5:00am

7:00am
7:00am
7:00am
7:00am
7:00am

1:00pm
1:00pm
1:00pm
1:00pm
2:25pm
1:00pm
1:00pm

6:00pm
6:00pm
6:00pm
6:00pm
7:25pm
6:00pm
6:00pm

7:00pm
7:00pm
7:00pm
7:00pm
8:25pm
7:00pm
7:00pm

2:00am
2:00am
2:00am
2:00am
3:25am
2:00am
2:00am

5:00am
5:00am
5:00am
5:00am
6:25am
5:00am
5:00am

7:00am
7:00am
7:00am
7:00am
8:25am
7:00am
7:00am

8:55pm

1:00pm
1:00pm

6:00pm
6:00pm

7:00pm
7:00pm

2:00am
2:00am

5:00am
5:00am

7:00am
7:00am

1:00pm
7:30pm

6:00pm
12:30pm

7:00pm
1:30pm

2:00am

5:00am
9:30pm

7:00am
11:30pm

10:55pm

10:55pm

7:55am
7:55am
1:55am

4:30pm
12:30am

DC

5:55pm
6:45pm

5:55am

3:55pm
1:55pm
7:55am

UK

4:30pm

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DC
UK
CNY HK Client to SCB
CNY HK Client
COP
CRC
CVE
9:55am
2:55pm
CZK
DJF
5:25am
10:25am
DKK
DOP
DZD
EGP
ERN
ETB

Same Day
CZ/FR/ZU
SG/HK

AU

NZ

DC

UK

One Day
CZ/FR/ZU SG/HK

AU

NZ

DC

UK

Two Day
CZ/FR/ZU
SG/HK

AU

NZ

12:30pm
9:30pm

3:55pm

10:55pm

1:55am

3:55am

11:25am

6:25pm

9:25pm

11:25pm

1:00pm
1:00pm
1:00pm

6:00pm
6:00pm
6:00pm

7:00pm
7:00pm
7:00pm

2:00am
2:00am
2:00am

5:00am
5:00am
5:00am

7:00am
7:00am
7:00am

1:00pm

6:00pm

7:00pm

2:00am

5:00am

7:00am

1:00pm
1:00pm
1:00pm
1:00pm
1:00pm

6:00pm
6:00pm
6:00pm
6:00pm
6:00pm

7:00pm
7:00pm
7:00pm
7:00pm
7:00pm

2:00am
2:00am
2:00am
2:00am
2:00am

5:00am
5:00am
5:00am
5:00am
5:00am

7:00am
7:00am
7:00am
7:00am
7:00am

AU

NZ

EUR Cut-off Times


Institution or Country

DC

UK

Same Day
CZ/FR/ZU SG/HK

AU

NZ

EUR to Switzerland
EUR to CSOB CZ
EUR LV to CITI
EUR to ING PL
EUR to KOM CZ
EUR HV
EUR SEPA

7:55am
10:55am
5:50am
11:55am
9:55am
10:25am
7:25am

12:55pm
3:55pm
11:50am
4:55pm
2:55pm
3:25pm
12:25pm

1:55pm
4:55pm
12:50pm
5:55pm
3:55pm
4:25pm
1:25pm

9:55pm
12:55am
8:50pm
1:55am
11:55pm
12:25am
9:25am

11:55pm
2:55am
10:50pm
3:55am
1:55am
2:25am
11:25am

7:55pm
10:55pm
6:50pm
11:55pm
9:55pm
10:25pm
7:25pm

DC

UK

One Day
CZ/FR/ZU SG/HK

EUR Cut-off Times for Singapore Clients for Beneficiary Banks in Hong Kong or Singapore
**If SG clients are sending EUR to an institution not listed below, the above EUR HV/Sepa deadline will apply
Same Day
Client Processing Center/ CCY/ Beneficiary
Bank
SG Client EUR on DBS SG
SG Client EUR on OCBC SG

SG
2:50pm
2:25pm

Page 68 of 94
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PAYMENT FORMATTING GUIDELINES

FJD
GBP HV
GBP LV
GBP LV
Non-UK
GBP on
Credit
Suisse
GEL
GHS
GMD
GNF
GTQ
GYD
HKD HV
HKD LV
HKD for
SG Client
to
OCBCSG
HNL
HRK
HTG
HUF
IDR
ILS
INR
ISK
JMD
JOD
JPY HK
Client to
HASEHK
JPY
KES
KGS
KHR
KMF
KRW

DC

UK

10:55pm
10:15am

3:55am
3:15pm

Same Day
CZ/FR/ZU SG/HK
4:55am
4:15pm

10:55am
10:15pm

AU
12:55pm
12:15am

NZ

DC

UK

One Day
CZ/FR/ZU SG/HK

AU

NZ

DC

UK

Two Day
CZ/FR/ZU SG/HK

AU

NZ

2:55pm
2:15am
9:20pm
8:50am

6:55am

11:55am

12:55am

7:55pm

22:55pm

9:55am

10:55am

4:55pm

6:55pm

8:50pm

22:50pm

12:50am

12:55am

7:00am

4:55am

2:50pm

12:00pm

1:00pm

8:00pm

11:00pm

1:00pm
10:25am

6:00pm
3:25pm

7:00pm
4:25pm

2:00am
10:25pm

5:00am
12:25am

7:00am
2:25am

1:00pm
1:00pm
1:00pm

6:00pm
6:00pm
6:00pm

7:00pm
7:00pm
7:00pm

2:00am
2:00am
2:00am

5:00am
5:00am
5:00am

7:00am
7:00am
7:00am

1:00pm
1:00pm
1:00pm

6:00pm
6:00pm
6:00pm

7:00pm
7:00pm
7:00pm

2:00am
2:00am
2:00am

5:00am
5:00am
5:00am

7:00am
7:00am
7:00am

1:00pm

6:00pm

7:00pm

2:00am

5:00am

7:00am

2:2pam
1:00pm

7:25pm
6:00pm

8:25pm
7:00pm

3:25am
2:00am

6:25am
5:00am

8:25am
7:00am

2:25pm
1:00pm
1:00pm
1:00pm

7:25pm
6:00pm
6:00pm
6:00pm

8:25pm
7:00pm
7:00pm
7:00pm

3:25am
2:00am
2:00am
2:00am

6:25am
5:00am
5:00am
5:00am

8:25am
7:00am
7:00am
7:00am

1:00am

8:55pm
9:55pm

2:55am

3:55am

9:55am

11:55pm

1:55pm

8:00am

9:25am

2:25pm

3:25pm

10:25pm

1:25am

3:25am

6:15am
3:30am

11:15pm
8:30am

12:15pm
9:30am

7:15pm

10:15pm

12:15am
21:55pm

23:55pm

1:55am

5:55pm

10:55pm

11:55pm

5:55am

7:55am

9:55am

4:55am

9:55am

10:55am

4:55pm

6:55pm

8:55pm

10:30am
11:25am

4:25am

5:25am

11:25am

1:25pm

3:25pm

Page 69 of 94
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business.westernunion.com

KWD
KYD
KZT
LAK
LBP
LKR
LSL
LTL
MAD
MGA
MKD
MOP
MRO
MUR
MVR
MWK
MXN
MYR
MZN
NAD
NGN
NIO
NOK HV
NOK LV
NPR
NZD HV
NZD LV
NZD HK
Client to
HASEHK
NZD SG
Client to
OCBCSG
OMR
PAB
PEN
PGK
PHP
PKR

PAYMENT FORMATTING GUIDELINES

DC
10:55pm

4:25am

UK
3:55am

9:25am

Same Day
CZ/FR/ZU SG/HK
4:55am

10:25am

10:55am

4:25pm

AU
12:55pm

8:25pm

NZ

DC

1.00pm

2:00pm

9:00pm

11:55pm

One Day
CZ/FR/ZU
SG/HK

AU

NZ

Two Day
CZ/FR/ZU
SG/HK

DC

UK

AU

NZ

1:00pm
1:00pm
1:00pm
1:00pm
1:00pm
10:25am
3:55pm

6:00pm
6:00pm
6:00pm
6:00pm
6:00pm
3:25pm
8:55pm

7:00pm
7:00pm
7:00pm
7:00pm
7:00pm
4:25pm
9:55pm

2:00am
2:00am
2:00am
2:00am
2:00am
10:25pm
3:55am

5:00am
5:00am
5:00am
5:00am
5:00am
12:25am
5:55am

7:00am
7:00am
7:00am
7:00am
7:00am
2:25am
7:55am

1:00pm
1:00pm
1:00pm
1:00pm

6:00pm
6:00pm
6:00pm
6:00pm

7:00pm
7:00pm
7:00pm
7:00pm

1:00am
1:00am
2:00am
2:00am

3:00am
3:00am
5:00am
5:00am

5:00am
5:00am
7:00am
7:00am

12:00pm
9:25am

5:00pm
2:25pm

6:00pm
3:25pm

12:00am
9:25pm

2:00am
11:25pm

4:00am
1:25am

1:00pm
9:25am
12:25pm
6:55am
1:00pm

6:00pm
2:25pm
5:25pm
11:55am
6:00pm

7:00pm
3:25pm
6:25pm
12:55pm
7:00pm

1:00am
9:25pm
12:25am
6:55pm
1:00am

3:00am
11:25pm
2:25am
8:55pm
3:00am

5:00am
1:25am
4:25am
10:55p
5:00am

1:00pm

6:00pm

7:00pm

2:00am

5:00am

7:00am

2:25pm
1:00pm

7:25pm
6:00pm

8:25pm
7:00pm

2:25am
2:00am

4:25am
5:00am

6:25am
7:00am

1:00pm

6:00pm

7:00pm

1:00am

3:00am

5:00am

2:55pm

8:25pm

5:30am

8:00am

UK

10:30am

11:30am

5:30pm

7:30pm

9:30pm

2:00am

9:40am
2:50am

2:40pm
7:50am

3:40pm
8:50am

9:40pm
2:50pm

11:40pm
4:50pm

1:40am
6:50pm

11:30pm
3:00am

4:30am
8:00am

5:30am
9:00am

11:30am
3:00pm

1:30pm
5:00pm

3:30pm
7:00pm

3:00am

8:00am

9:00am

3:00pm

5:00pm

7:00pm

4:30pm

8:00pm

1:00am

2:00am

8:00am

10:00am

12:00pm

12:25am

5:25am

6:25am

12:25pm

2:25pm

4:25pm

12:00a
4:55am

9:55am

10:55am

4:55pm

6:55pm

5:00am

6:00am

12:00pm

2:00pm

4:00pm

8:55pm

Page 70 of 94
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PAYMENT FORMATTING GUIDELINES

DC

PLN
PYG
QAR
RON
RSD
RWF
SAR
SBD
SCR
SEK
SGD HV
SGD LV

UK

Same Day
CZ/FR/ZU SG/HK

AU

NZ

7:00am

12:00am

1:00pm

7:00pm

9:00pm

11:00pm

12:55am

5:55am

6:55am

12:55pm

2:55pm

4:55pm

DC

7:55am

2:55am

7:55am

8:55am

4:55pm

UK

12:55am

One Day
CZ/FR/ZU SG/HK

1:55pm

7:55pm

AU

9:55pm

NZ

DC

UK

Two Day
CZ/FR/ZU
SG/HK

AU

NZ

1:00pm

6:00pm

7:00pm

2:00am

5:00am

7:00am

2:25pm
1:00pm

7:25pm
6:00pm

8:25pm
7:00pm

3:25am
2:00am

6:25am
5:00am

8:25am
7:00am

1:00pm

6:00pm

7:00pm

1:00am

3:00am

5:00am

1:25am

6:25am

7:25am

1:25pm

3:25pm

5:25pm

11:55pm

6:55am
12:25am

11:55am
5:25am

12:55pm
6:25am

6:55pm
12:25pm

8:55pm
2:25pm

10:55pm
4:25pm

5:15am

10:15am

11:15am

5:15pm

7:15pm

9:15pm

6:55pm

SGD Cut-off Times for Singapore Clients for Beneficiary Banks in Singapore
Same Day

Client Processing Center/ CCY/ Beneficiary Bank


SG Client SGD on DBS SG
SG Client SGD on HSBC SG
SG Client SGD on OCBC SG
SG Client SGD on SCB SG
SG Client SGD on all other beneficiary banks
Same Day
DC
UK
CZ/FR/ZU SG/HK
SLL
SRD
STD
SZL
THB
TND
TOP
TRY
TTD
TWD
TZS
UGX
UAH
UHX

SG/HK
1:30pm
3:00pm
1:30pm
5:00pm
1:30pm
AU

NZ

DC

7:00am
1:25am
9:55pm
5:55am

6:25am
2:55am
10:55am

7:25am
3:55am
11:55am

1:25pm
9:55am
5:55pm

3:25pm
11:55pm
7:55pm

5:25pm
1:55pm
9:55pm

12:00pm

5:00pm

6:00pm

12:00am

2:00am

4:00am
7:00am

UK

12:00pm

12:00pm

One Day
CZ/FR/ZU
SG/HK

1:00pm

3:00pm

7:00pm

1:00pm

AU

9:00pm

11:00pm

NZ

Two Day
CZ/FR/ZU
SG/HK

DC

UK

AU

NZ

1:00pm
1:00pm
1:00pm
10:25am

6:00pm
6:00pm
6:00pm
3:25pm

7:00pm
7:00pm
7:00pm
4:25pm

2:00am
2:00am
2:00am
10:25pm

5:00am
5:00am
5:00am
12:25am

7:00am
7:00am
7:00am
2:25am

1:00pm

6:00pm

7:00pm

1:00am

3:00am

5:00am

10:25am
9:00am
9:00am

3:25pm
2:00pm
2:00pm

4:25pm
3:00pm
3:00pm

10:25pm
9:00pm
9:00pm

12:25pm

2:25pm
1:00am
1:00am

11:00pm

1:00am

Page 71 of 94
2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

11:00pm
11:00pm

business.westernunion.com

PAYMENT FORMATTING GUIDELINES

USD Cut-off Times

Hong Kong & Singapore Clients USD to beneficiary banks Hong Kong or Singapore cut-off times

**If beneficiary bank is outside of Hong Kong or Singapore, please locate USD cutoff times below

Same Day
Hong Kong & Singapore

Institution or Country
HK Client USD to HSBC HK
HK Client USD to SCB HK
HK Client USD to HASE HK
HK Client USD to Hong Kong
SG Client USD to OCB SG
SG Client USD to DBS SG
SG Client USD to HSBC SG
SG Client USD to SCB SG

4:30pm
4:30pm
4:30pm
4:30pm
1:00pm
1:30pm
3:00pm
5:00pm

Cut-off times for specific beneficiary banks for all clients


Institution or Country

DC

UK

Same Day
CZ/FR/ZU
SG/HK

AU

NZ

USD to CSOB in Czech Rep

5:30am

10:30am

11:30am

5:30pm

7:30pm

9:30pm

USD to Credit Suisse in


Switzerland

7:30am

12:30pm

1:30pm

7:30pm

9:30pm

11:30pm

USD to ING in Poland

9:30am

2:30pm

3:30pm

9:30pm

11:30pm

1:30am

USD HV
USD LV
USD LV
on
Canada
UYU
UZS
VND
VUV
WST
XAF
XCD
XOF

DC
4:55pm

10:50pm
5:55am

UK
9:55pm

3:50am
10:55am

Same Day
CZ/FR/ZU
SG/HK
10:55pm

4:50am
11:55am

2:55am

10:50am
5:55pm

AU
4:55am

12:50pm
7:55pm

NZ

DC

UK

One Day
CZ/FR/ZU SG/HK

AU

NZ

Two Day
CZ/FR/ZU
SG/HK

DC

UK

1:30pm
1:30pm
1:00pm

6:30pm
6:30pm
6:00pm

7:30pm
7:30pm
7:00pm

1:00pm
1:00pm

6:00pm
6:00pm

7:00pm
7:00pm

AU

NZ

1:30am
1:30am
1:00am

3:30am
3:30am
3:00am

5:30am
5:30am
5:00am

1:00am
1:00am

3:00am

5:00am
5:00am

6:55am
7:30pm

12:30am

1:30am

7:30am

9:30am

11:30am

9:30pm

2:30am

3:30am

9:30am

11:30am

1:30pm

2:50pm
9:55pm
7:00am

12:00pm

3:00pm

1:00pm

11:00pm

1:00am

Page 72 of 94
2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

3:00am

business.westernunion.com

PAYMENT FORMATTING GUIDELINES

DC
XPF
YER
ZAR
ZMW

UK

Same Day
CZ/FR/ZU SG/HK

AU

NZ

10:55pm

3:55am

4:55am

10:55am

12:55pm

2:55pm

7:15am

12:15pm

1:15pm

7:15pm

9:15pm

11:15pm

DC

UK

One Day
CZ/FR/ZU SG/HK

AU

NZ

Page 73 of 94
2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

DC

UK

Two Day
CZ/FR/ZU SG/HK

AU

NZ

1:00pm

6:00pm

7:00pm

2:00am

5:00am

7:00am

10:25am

3:25pm

4:25pm

10:25pm

12:25pm

2:25am

business.westernunion.com

PAYMENT FORMATTING GUIDELINES

ADDENDUM 1.4
Best Practices Country Quick Guide
BEST PRACTICES
Below identifies the best practices recommendations for payments remitted to the countries
listed below. In some instances these best practice recommendations may request more
information than what is required by Western Union Business Solutions, however this
information will assist in minimizing any potential issues encountered and expedite receipt of
the funds to the beneficiary.

Contact Name
at Organization

Beneficiary
Address and/ or
Phone Number

Beneficiary ID
and/ or
Authorization
Required

Purpose of
Payment

Bank Branch
Address

Bank Branch
Routing Code

SWIFT/ BIC

Afghanistan
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua & Barbuda
Argentina
Armenia
Aruba
Australia
Austria
Azerbaijan, Republic of
Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bosnia & Herzegovina
Botswana
Bouvet Island
Brazil
Brunei Darussalam
Bulgaria
Burkina Faso
Burundi

Formatted
Account
Structure

Country

Page 74 of 94

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2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

Contact Name
at Organization

Beneficiary
Address and/ or
Phone Number

Beneficiary ID
and/ or
Authorization
Required

Purpose of
Payment

Bank Branch
Address

Bank Branch
Routing Code

Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Congo, Republic of
Congo, Democratic Republic
Cook Islands
Costa Rica
Cote d'Ivoire
Croatia
Cyprus
Czech Republic
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Guyana
French Polynesia
French Southern Territories
Gabon
Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala

SWIFT/ BIC

Formatted
Account
Structure

Country

Page 75 of 94

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2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

Contact Name
at Organization

Beneficiary
Address and/ or
Phone Number

Beneficiary ID
and/ or
Authorization
Required

Purpose of
Payment

Bank Branch
Address

Bank Branch
Routing Code

Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Heard Islands & McDonald Islands
Holy See (Vatican City)
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iraq
Ireland
Isle of Man
Israel
Italy
Jamaica
Japan
Jersey, Channel Islands
Jordan
Kazakhstan
Kenya
Kiribati
Kosovo
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco

SWIFT/ BIC

Formatted
Account
Structure

Country

Page 76 of 94

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2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

Contact Name
at Organization

Beneficiary
Address and/ or
Phone Number

Beneficiary ID
and/ or
Authorization
Required

Purpose of
Payment

Bank Branch
Address

Bank Branch
Routing Code

Mozambique
Namibia
Nauru
Nepal
Netherlands
Netherlands Antilles
New Caledonia
New Zealand
Nicaragua
Niger, Republic of
Nigeria
Norway
Northern Mariana Islands
Oman
Pakistan
Palestine, State of
Panama
Panama Canal Zone
Papua New Guinea
Paraguay
Peru
Philippines
Poland
Portugal
Puerto Rico
Qatar
Romania
Reunion
Russia
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Slovak Republic
Slovenia
Solomon Islands
Somalia
South Africa
South Korea
Spain
Sri Lanka
St Pierre and Miquelon
Sudan
Suriname
Svalbard & Jan Mayen Islands
Swaziland
Sweden
Switzerland
Syria
Taiwan
Tajikistan
Tanzania

SWIFT/ BIC

Formatted
Account
Structure

Country

Page 77 of 94

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2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

Contact Name
at Organization

Beneficiary
Address and/ or
Phone Number

Beneficiary ID
and/ or
Authorization
Required

Purpose of
Payment

Bank Branch
Address

Bank Branch
Routing Code

Turks & Caicos Islands


Tuvalu
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Uzbekistan
Vietnam
Vanuatu
Yemen
Zambia

SWIFT/ BIC

Thailand
Togo
Tokelau
Tonga
Trinidad & Tobago
Tunisia
Turkey
Turkmenistan

Formatted
Account
Structure

Country

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PAYMENT FORMATTING GUIDELINES

ADDENDUM 1.5
DOCUMENT MODIFICATION HISTORY
VERSION
2.12

CURRENCY/SECTION

CHANGE COMMENTS

EEK

Updated country codes and currency abbreviations to reflect


ISO 4217
Recommended using IBAN for payments into countries where
IBAN is established and recognized.
Renamed to RSD per ISO 4217
Additional considerations; recommend beneficiary present
invoice to bank when receiving payment
Tax ID NIT (10 Digits)
Currency activated

EUR

Low Value eligible countries defined

FJD

Routing code requirement & account length.

HTG

All Currencies

IBAN

CSD
COP

INR

Currency activated
Contact Name at Beneficiary Organization & Telephone
required
11 digit IFSC required

Addendum 1.6 Added

Best Practices Quick Guide

CNY

Field formatting & field mapping

Kazakhstan

IBAN Added & Required for payments to Kazakhstan

GEL

IBAN added

IDR

Payment invoice requirement removed

KWD

IBAN requirement added

LBP

IBAN requirement added

MRO

IBAN recommended

TND

IBAN/BBAN requirement added

UAH

Requirements added

IBAN requirement updated


Added to Country Requirements
IBAN structure added to Addendum 1.1 & Addendum 1.5
Added to Country Requirements
Purpose of payment requirement added

Addendum 1.6 updated

Added to Country Requirements

Section added advising users to verify the beneficiary bank


country domestic currency requirements when sending foreign
exchange wires to the specified country.

Routing Code requirement removed; SWIFT code requirement


added
Beneficiary Bank Country requirement added

NIO

2.13

2.14

CZK
LBP
PKR
Kazakhstan
Maximizing the use of this
document
FJD
PHP

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PAYMENT FORMATTING GUIDELINES

DOCUMENT MODIFICATION HISTORY CONTINUED


VERSION
2.2

CURRENCY/SECTION

MRO

Added Checking or Savings Acct Requirement


IBAN Structure & Recommendation added
Added Additional Considerations
Added SWIFT Requirement & IFSC placement in SWIFT
Branch Details field
Added Section pertaining to the formatting of Non-SWIFT BICs
Added Section pertaining to the formatting of payments with
offline ABAs
Added GL & FO as Country Codes for IBAN
Updated to reflect all IBAN formats with the IBAN Registry
(ISO 13616)
Effective January 1 2012 MRO payments will require an IBAN

VEF

Removed as currency is not offered

CRC

IBAN Structure & Recommendation added

KES

Added Proof of Payment Invoice Requirement

TZS

HTG

Added Proof of Payment Invoice Requirement


Added Beneficiary Address Requirement
Added Proof of Payment Requirement
Added Beneficiary Address Requirement

AED

IBAN requirement added

BHD

IBAN requirement added

PEN

Added ID requirement and format

IBAN Quick Guide

Updated Netherlands IBAN to 18 digits

GP/GP+/Portal Quick Guide

Removed; see best practice guide and currency requirements

KGS

DOP
TWD
INR

Non-SWIFT BICs
Offline ABA

DKK
IBAN Quick Guide

2.3

JPY

2.4

CHANGE COMMENTS

DOP

Added Kyrgyzstani Som


Use of Intermediary Banks CLABE for cross-border MXN is
required
Use of Intermediary Banks CLABE for cross-border MXN is
required
System specific quick guides removed
Azerbaijan IBANs required; all payments after September 2
2012 without an IBAN will be rejected
Moldova IBAN implemented; all payments after December 31
2012 without an IBAN will be rejected.
Beneficiary bank address added to SWIFT Branch Details
requirement added
IBAN added

CRC

IBAN added; requirements updated

GBP Sort Code Checker

Sort Code Checker Hyperlink added under GBP currency

GHS

Beneficiary address requirement added

GMD

Beneficiary bank routing code removed

Madagascar IBAN

MGA Format added; recommended

MXN

MXN Account number (Clabe) validator added

XAF

Added IBAN format


Updated to reflect SEPA countries; added hyperlink to verify
SEPA eligible SWIFT/BICs and institutions

Payments to Mexico

MXN

Quick Guides
Azerbaijan IBAN

Moldova IBAN

BDT

EUR IBAN Section

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PAYMENT FORMATTING GUIDELINES

DOCUMENT MODIFICATION HISTORY CONTINUED


VERSION
2.4 Continued

CURRENCY/SECTION
Pakistan IBAN

Added European & Non-European IBANs to IBAN Guide (80+


Countries IBANs documented)
Pakistan requiring IBAN effective December 31st 2012

Guatemala IBAN

Guatemala IBAN effective July 1st 2014

STD

San Tomeo Dobra added

AUD

CNY

BSB Code search URL added


Additional Consideration to clarify certain BSB are Least
Cost/LV/ACH specific
BDT cannot be credited to foreign currency accounts
belonging to beneficiaries in Bangladesh
Requirement added beneficiary bank branch address
Currency added
Requirements & recommendations added
Requirement added for 12 digit CNAPs code

CNH

Requirements added

DKK

EGP

IBAN format updated


Domestic beneficiary bank account format requirement added
Purpose of payment recommendation added
Additional considerations added

ERN

Beneficiary bank address requirement added

GBP

KMR

Updated sort code checker URL


Purpose of payment requirement and codes added
Indian NGO FCRA Registration numbers added
Beneficiary bank branch address added

KZT

Currency and requirements added

LKR

Recommendation for 7 digit branch code

NGN

IBAN Guide

2.5

BDT
BOB
BRL

DZD

INR

RON

Domestic account number added; NUBAN


IBAN added; as of June 2013 all domestic and cross border
payments into Pakistan should have an IBAN
Additional considerations for paying State Treasury Accounts

RUB

Currency and requirements added

SGD

Requirements updated; SWIFT and routing code required

STD

IBAN length updated


IBAN usage for cross border, recommendations added for
paying US territories
Resident and non-resident account number formats for
Standard Bank of South Africa account holders updated
Updated to Least Cost/Low Value Quick Guide
Updated IBANs for Brazil, Guinea Bissau, State of Palestine,
Togo
Cutoff times updated for CHF, EUR to Switzerland, USD to
Credit Suisse.

PKR

USD
ZAR
Addendum 1.1
Addendum 1.2
Addendum 1.3

2.6

CHANGE COMMENTS

Addendum 1.4

Country guide updated

KZT

Changed the country code from KW to KZ for IBAN formatting

JMD

Requirement Added Bene Account Type

Currency Guidelines

Updated SGD for Low Value

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PAYMENT FORMATTING GUIDELINES

DOCUMENT MODIFICATION HISTORY CONTINUED


VERSION

CURRENCY/SECTION

2.6 Continued

NOK

NOK ACH added to currency guidelines

SGD

SGD ACH note added

BRL

IBAN note removed

CAD

NON-CAD currency information added

INR

Purpose of payment updated

JMD

Beneficiary account type added

NOK

Low value requirements updated

NZD

Beneficiary account number updated

RUB

Required details updated

UAH

Currency name corrected

XOF

Payment details updated

ZMW

Currency abbreviation updated

Addendum 1.1

NOK added

Addendum 1.1

NZD beneficiary account number updated

Addendum 1.3

NOK Low value cut off times updated

Addendum 1.3

Zambian Kwacha currency abbreviation updated ZMW

Addendum 1.4

Uruguay, Uzbekistan, Vietnam, Vanuatu, Zambia added

AUD

Notes updated

CNY

Requirements updated

EUR

Notes updated

CAD

Beneficiary Address updated to recommended

ANG

Purpose of payment required

AMD

Beneficiary full name and address

AZN

Additional Considerations: Beneficiary Tax ID

ILS

Swift requirements to include 8-11 digits

INR

Swift required as well as IFCS

MAD

IBAN removed and Account number required

MAD

Addendum 1.3 Cut off times amended

QAR

IBAN Requirement added and additional notes

JOD

IBAN Requirement added and additional notes

RUB

VO codes updated

GTQ

IBAN Recommended but mandatory after 1st July

ALL

Additional Considerations: less than $25 dollar equivalent

AOA

IBAN made mandatory

AZN

Beneficiary Tax ID Required

BGN

Additional Considerations: added.

BIF

Beneficiary Telephone number required

BMD

Beneficiary address note added

BRL

Exact Bank Location needed if swift eight digits

COP

Exact Bank Location needed if swift eight digits

DOP

Beneficiary Telephone number required

GEL

Exact Bank Location needed if swift eight digits

HNL

Required Beneficiary Account Type

2.7

CHANGE COMMENTS

DOCUMENT MODIFICATION HISTORY CONTINUED


Page 82 of 94

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

2.7 Continued

HTG

CHANGE COMMENTS
Required Reason for Payment

SLL
GUIDELINE ADDITIONAL
REQUIREMENTS
TND

Exact Bank Location needed if swift eight digits

Note of non-allowance of P.O Box addresses

IBAN Recommended

SCR

Required Beneficiary Details and Ordering Party Details

IBAN Formatting Guide

Morocco IBAN Number Updated to twenty four

GEL

Additional considerations payment advise to beneficiary bank

KES

Required Routing Code

USD

Guam added to domestic fedwire

PHP

Additional considerations swift updates

ARS

Purpose of Payment

UAH

Purpose of Payment

INR

INR POP codes updated

KRW

RECOMMENDED: Beneficiary ID

INR

Purpose of Payment

BHD

Purpose of Payment

HUF

Purpose of Payment

ILS

Purpose of Payment

JOD

Purpose of Payment

KWD

Purpose of Payment

OMR

Purpose of Payment

TND

Purpose of Payment

TRY

Purpose of Payment

ILS

Additional considerations ILS to Palestine

XCD

Beneficiary Bank Country

EUR

France IBAN Updated for Cle RIB

AED

Addendum 1.3 Cut off times amended

BHD

Addendum 1.3 Cut off times amended

HUF

Addendum 1.3 Cut off times amended

ILS

Addendum 1.3 Cut off times amended

ISK

Addendum 1.3 Cut off times amended

JOD

Addendum 1.3 Cut off times amended

KWD

Addendum 1.3 Cut off times amended

MAD

Addendum 1.3 Cut off times amended

OMR

Addendum 1.3 Cut off times amended

QAR

Addendum 1.3 Cut off times amended

THB

Addendum 1.3 Cut off times amended

TND

Addendum 1.3 Cut off times amended

TRY

Addendum 1.3 Cut off times amended

INR

Addendum 1.3 Cut off times amended

SCR

Addendum 1.3 Cut off times amended

PKR

Addendum 1.3 Cut off times amended

Page 83 of 94

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

2.7 Continued

EGP

Addendum 1.3 Cut off times amended

LTL

Addendum 1.3 Cut off times amended

LVL

Currency removed

LVL

Addendum 1.3 Cut off time removed

CAD

Additional consideration removed for Non-cad

JMD

Required transit code

ARS

Required beneficiary address

TZS

Invoice requirement removed

UZS

Required Contact name and telephone number

INR

Swift Eight to Eleven digits

GTQ

IBAN required and not recommended

AUD

BIC/Swift and Routing BSB code required

AUD

BIC/Swift updated to include eight or eleven digit SWIFT code

PLN

IBAN Required & other details removed

MXN

2.8

AUD

Addendum 1.3 Cut off times updated


Addendum 1.3 Cut off times removed as we do not offer
currency
Addendum 1.3 Cut off times for HV updated

CNH to mainland China

Purpose of payment code required & Table of codes added

JMD

BIC/SWIFT or Transit Code required


Komercni Bank requirement of full payers & bene details
required.
Addendum 1.3 Cut off times updated HV & LV

ZWD

USD
GBP

EUR

BIF

Addendum 1.3 Cut off times updated HV & LV


Bank Name and Address required on payments with account
number and sort code.
Country abbreviation corrected and updated to BF

PKR

NGO requirements added

Addendum 1.4

Multiple countries POP requirement updated

Addendum 1.4

Seychelles added

Addendum 1.4

Sierra Leone added

Addendum 1.4

Yemen added

ILS

Beneficiary Address required on payments to Palestine

PKR

IBAN Required

KRW

Beneficiary ID required

Addendum 1.1

Croatia added to SEPA Network

GNF

BBAN Requirement added with a fixed length

PYG

Beneficiary TAX ID required

DZD

Purpose of payment required

RUB

Account length changed from 20 to 29

LTL

Additional considerations LTL change to EUR

AED

Addendum 1.3 Cut off times amended

AUD

Addendum 1.3 Cut off times amended

AUD LV

Addendum 1.3 Cut off times amended

AUD

Addendum 1.3 Cut off times amended

BHD

Addendum 1.3 Cut off times amended

Addendum 1.3 Cut offbusiness.westernunion.com


times amended

GBP

2.9

CHANGE COMMENTS

CNH

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

2.9 Continued

EGP

Addendum 1.3 Cut off times amended

EUR

Addendum 1.3 Cut off times amended

EUR LV

Addendum 1.3 Cut off times amended

GBP

Addendum 1.3 Cut off times amended

GBP LV

Addendum 1.3 Cut off times amended

HKD

Addendum 1.3 Cut off times amended

HKD LV

Addendum 1.3 Cut off times amended

HUF

Addendum 1.3 Cut off times amended

ILS

Addendum 1.3 Cut off times amended

INR

Addendum 1.3 Cut off times amended

ISK

Addendum 1.3 Cut off times amended

JOD

Addendum 1.3 Cut off times amended

JPY

Addendum 1.3 Cut off times amended

KWD

Addendum 1.3 Cut off times amended

LTL

Addendum 1.3 Cut off times amended

MAD

Addendum 1.3 Cut off times amended

MXN

Addendum 1.3 Cut off times amended

OMR

Addendum 1.3 Cut off times amended

PKR

Addendum 1.3 Cut off times amended

QAR

Addendum 1.3 Cut off times amended

SCR

Addendum 1.3 Cut off times amended

TND

Addendum 1.3 Cut off times amended

TRY

Addendum 1.3 Cut off times amended

USD

Addendum 1.3 Cut off times amended

SGD ACH

SGD ACH for Singapore only removed

NZD

Updated to make example 9-10 digits

LTL

Removal of LTL

CNH

Purpose of payment codes

CNY

Purpose of payment codes

PGK

Purpose of payment removed.

JOD

Purpose of payment codes

BDT

Beneficiary nationality required for individual.

ANG

Full beneficiary details needed name and address

PGK

Addendum 1.3 Cut off times amended

ARS

CUIT# for individuals added

AUD

Low value requirements account length added.

SAR

Addendum 1.3 Cut off times amended

CAD

Bene Swift/BIC updated to eight to eleven

CNY

POP Code requirement removed

CNY

Additional consideration added

CNH

Recommended CNAPS

EUR IBAN

Croatia added

HKD

Beneficiary branch routing code replaced by swift

3.0

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CHANGE COMMENTS

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

3.0 Continued

HKD LV

HK branch code replaced with swift

ILS

Additional consideration note updated with compliance check.

JMD

Or bullet point removed

JPY

Note about postal bank added

KGS

Additional consideration added

KRW

Beneficiary ID removed

NZD

Account length example added to HV requirements

PGK

POP required added

PKR

CNIC\Passport number removed

SGD

Account length example added to LV requirements

USD

Ireland added to USD cross boarder info

XOF

IBAN length changed to 24 28

NZD

Swift requirement added to HV

NZD

Swift requirement added to LV

HKD

ACH Routing code

BIF

Country abbreviation corrected and updated to BI

CAD

Bene address needed if cross border.

UAH

Note added about contacting WUBS first to place UAH deal.

JMD

Transit code removed and routing code required

INR

Nature of relationship removed

INR

FCRA required for NGOs

JOD

Purpose of payment code required.

KZT

Bene tax ID changed to Bene ID (BIN or IIN)

PKR

Required for NGOs CNIC

PKR

Additional consideration updated

QAR

Additional consideration removed

RSD

Kosovo requirements added

SGD

Branch code note updated

XAF

IBAN requirement added

XAF

Congo and Gabon note added

BDT

Additional consideration note added.

RUB

Additional consideration note added.

RUB

Purpose of payment double bracket needed for VO code

GNF

Additional consideration note added

BIF

Country abbreviation changed

INR

Additional considerations FCRA Certificate note added

ISK

Currency added

AED

Addendum 1.3 Cut off times amended

UAH

Currency removed

PAB

Beneficiary address required

MYR

Additional consideration added.

BRL

Full name or Contact name at beneficiary organization or entity

ILS

Requirements for Palestine removed

KRW

Full beneficiary address needed

SCR

Ordering party changed to Remitter

USD

Note added for USD to Ukraine

3.1

Page 86 of 94

CHANGE COMMENTS

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

CHANGE COMMENTS

3.1 Continued

UAH

Currency removed

Addendum 1.4

Guinea updated

XAF

Recommended removed

ALL

Addendum 1.3 Cut off times amended

INR

NA and EMEA POP description attachment added

AED

Addendum 1.3 Cut off times amended

ALL

Addendum 1.3 Cut off times amended

AMD

Addendum 1.3 Cut off times amended

ANG

Addendum 1.3 Cut off times amended

AOA

Addendum 1.3 Cut off times amended

ARS

Addendum 1.3 Cut off times amended

AUD HV

Addendum 1.3 Cut off times amended

AUD LV

Addendum 1.3 Cut off times amended

AZN

Addendum 1.3 Cut off times amended

BAM

Addendum 1.3 Cut off times amended

BBD

Addendum 1.3 Cut off times amended

BDT

Addendum 1.3 Cut off times amended

BGN

Addendum 1.3 Cut off times amended

BHD

Addendum 1.3 Cut off times amended

BIF

Addendum 1.3 Cut off times amended

BMD

Addendum 1.3 Cut off times amended

BND

Addendum 1.3 Cut off times amended

BOB

Addendum 1.3 Cut off times amended

BRL

Addendum 1.3 Cut off times amended

BSD

Addendum 1.3 Cut off times amended

BTN

Addendum 1.3 Cut off times amended

BWP

Addendum 1.3 Cut off times amended

BYR

Addendum 1.3 Cut off times amended

BZD

Addendum 1.3 Cut off times amended

CAD HV

Addendum 1.3 Cut off times amended

CAD LV

Addendum 1.3 Cut off times amended

CHF

Addendum 1.3 Cut off times amended

CSD

Addendum 1.3 Cut off time removed

CYP

Addendum 1.3 Cut off time removed

COP

Addendum 1.3 Cut off times amended

CRC

Addendum 1.3 Cut off times amended

CVE

Addendum 1.3 Cut off times amended

CZK

Addendum 1.3 Cut off times amended

DJF

Addendum 1.3 Cut off times amended

DKK

Addendum 1.3 Cut off times amended

DOP

Addendum 1.3 Cut off times amended

DZD

Addendum 1.3 Cut off times amended

EGP

Addendum 1.3 Cut off times amended

ERN

Addendum 1.3 Cut off times amended

ETB

Addendum 1.3 Cut off times amended

FJD

Addendum 1.3 Cut off times amended

Page 87 of 94

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

CHANGE COMMENTS

3.1 Continued

GBP on credit Suisse

Addendum 1.3 Cut off times amended

GEL

Addendum 1.3 Cut off times amended

GHS

Addendum 1.3 Cut off times amended

GMD

Addendum 1.3 Cut off times amended

GNF

Addendum 1.3 Cut off times amended

GTQ

Addendum 1.3 Cut off times amended

GYD

Addendum 1.3 Cut off times amended

HKD HV

Addendum 1.3 Cut off times amended

HKD LV

Addendum 1.3 Cut off times amended

HNL

Addendum 1.3 Cut off times amended

HRK

Addendum 1.3 Cut off times amended

HTG

Addendum 1.3 Cut off times amended

HUF

Addendum 1.3 Cut off times amended

IDR

Addendum 1.3 Cut off times amended

ILS

Addendum 1.3 Cut off times amended

INR

Addendum 1.3 Cut off times amended

ISK

Addendum 1.3 Cut off times amended

JMD

Addendum 1.3 Cut off times amended

KGS

Addendum 1.3 Cut off times amended

KHR

Addendum 1.3 Cut off times amended

KMF

Addendum 1.3 Cut off times amended

KRW

Addendum 1.3 Cut off times amended

KYD

Addendum 1.3 Cut off times amended

KZT

Addendum 1.3 Cut off times amended

LAK

Addendum 1.3 Cut off times amended

LBP

Addendum 1.3 Cut off times amended

LKR

Addendum 1.3 Cut off times amended

MOP

Addendum 1.3 Cut off times amended

MRO

Addendum 1.3 Cut off times amended

MYR

Addendum 1.3 Cut off times amended

NPR

Addendum 1.3 Cut off times amended

PEN

Addendum 1.3 Cut off times amended

PYG

Addendum 1.3 Cut off times amended

RON

Addendum 1.3 Cut off times amended

RSD

Addendum 1.3 Cut off times amended

RWF

Addendum 1.3 Cut off times amended

SLL

Addendum 1.3 Cut off times amended

SRD

Addendum 1.3 Cut off times amended

STD

Addendum 1.3 Cut off times amended

TZS

Addendum 1.3 Cut off times amended

XAF

Addendum 1.3 Cut off times amended

XOF

Addendum 1.3 Cut off times amended

YER

Addendum 1.3 Cut off times amended

PYG

RUCs are now 11 digits

Page 88 of 94

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

3.2

CAD

Please note added for FIs

CRC

Tax ID info updated

Addendum 1.4

BF IBAN updated

ZMW

Recommended Routing Code (Sort)

UGX

Addendum 1.3 Cut off times added

SGD LV

DC Addendum 1.3 Cut off times amended

USD

Cross boarder information updated

THB

Please note section added about account length

ISK

IBAN requirement updated

KRW

Full name added.

DZD

POP codes updated from 511 onwards

CAD

Cross boader inofrmation updated

EUR

San Marino added to SEPA table

CAD
Maximising the use of this
document
BDT

Low value transit code updated

Cross border risk note added

Eight Eleven digit Bic/Swift

BRL

Beneficiary ID and Beneficiary Tax combined

PHP

Override SWIFTs removed

GNF

18 Digit changed 18 BBAN Number

KZT

Bene bank routing code removed

LKR

Routing code required not recommended

PAB

POP Required

EUR

Addendum 1.3 Cut off times amended

KRW

Additional considerations updated

KRW

Beneficiary ID requirement removed.

QAR

Purpose of payment requirement

RUB

29 character account number removed

RUB

Bic/swift requirement removed

RUB

VO bracket and sapce requirement removed

RUB

BIK required and not recomended

RUB

Vat requirement removed

RUB

Patronymic name requirement removed

ISK

IBAN format changed

EUR

Moldova country code corrected

IDR

SKN required

IDR

SKN attachment added

PAB

Additional consideration added

INR

Additional consideration added

AUD

Addendum 1.3 Cut off times amended

AUD LV

Addendum 1.3 Cut off times amended

BWP

Addendum 1.3 Cut off times amended

BHD

Addendum 1.3 Cut off times amended

CAD HV

Addendum 1.3 Cut off times amended

EUR LV to CITI

Add to Addendum 1.3 Cut off times amended

FJD

Addendum 1.3 Cut off times amended

GBP LV

Addendum 1.3 Cut off times amended

3.3

CHANGE COMMENTS

Page 89 of 94

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

3.3 Continued

GBP LV Non UK

Add to Addendum 1.3 Cut off times amended

GHS

Addendum 1.3 Cut off times amended

HKD HV

Addendum 1.3 Cut off times amended

HKD LV

Addendum 1.3 Cut off times amended

INR

Addendum 1.3 Cut off times amended

JPY

Addendum 1.3 Cut off times amended

KES

Addendum 1.3 Cut off times amended

LSL

Addendum 1.3 Cut off times amended

MAD

Addendum 1.3 Cut off times amended

MGA

Addendum 1.3 Cut off times amended

MKD

Addendum 1.3 Cut off times amended

MWK

Addendum 1.3 Cut off times amended

MYR

Addendum 1.3 Cut off times amended

MZN

Addendum 1.3 Cut off times amended

NAD

Addendum 1.3 Cut off times amended

AZN

IBAN format amended

NGN

Addendum 1.3 Cut off times amended

NIO

Addendum 1.3 Cut off times amended

NOK HV

Addendum 1.3 Cut off times amended

NZD LV

Addendum 1.3 Cut off times amended

PAB

Addendum 1.3 Cut off times amended

PGK

Addendum 1.3 Cut off times amended

PHP

Addendum 1.3 Cut off times amended

PKR

Addendum 1.3 Cut off times amended

RON

Addendum 1.3 Cut off times amended

SAR

Addendum 1.3 Cut off times amended

SBD

Addendum 1.3 Cut off times amended

SCR

Addendum 1.3 Cut off times amended

SGD HV

Addendum 1.3 Cut off times amended

SGD LV

Addendum 1.3 Cut off times amended

SKK

Removed from Addendum 1.3

SZL

Addendum 1.3 Cut off times amended

TOP

Addendum 1.3 Cut off times amended

TDD

Addendum 1.3 Cut off times amended

UGX

Addendum 1.3 Cut off times amended

VND

Addendum 1.3 Cut off times amended

VUV

Addendum 1.3 Cut off times amended

WST

Addendum 1.3 Cut off times amended

XCD

Addendum 1.3 Cut off times amended

XOF

Addendum 1.3 Cut off times amended

XPF

Addendum 1.3 Cut off times amended

ZMW

Addendum 1.3 Cut off times amended

CRC

IBAN required and length changed to 22 from 21

BDT

Beneficiary telephone number required

RUB

INN removed tax id

RUB

Reference information added

RUB

Value added tax information added

3.4

CHANGE COMMENTS

Page 90 of 94

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2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

3.4 Continued

RUB

CHANGE COMMENTS

GBP LV

Patronymic Name added


20-digit account number removed from recommended as
required
Overseas territories added

MXN

Addendum 1.3 Cut off times amended

BRL

Beneficiary registration recommended

AUD

BSB validation amended

BRL

Cadastro recommendations amended

CAD

BIC/SWIFT requirement added

CLP

Bank account number limit added tel number

CLP

Bank country requirement added

CLP

Maximum payment value added

CLP

Telephone number removed

CLP

Address of beneficiary removed

CLP

Account type removed

CNY

Hong Kong requirements added

IDR

Contact information requirement removed

RUB

2016 Western Union Holdings, Inc. All Rights Reserved. The WESTERN UNION name, logo, trade name, trade dress and related trademarks and service marks, owned by
Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries. This material is proprietary to Western Union and cannot be used,
reproduced, copied, displayed, distributed or used to prepare derivative works without the prior written consent of Western Union.

Page 91 of 94

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2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

DISCLAIMERS
2016 Western Union Holdings Inc. All rights reserved.

Malta

NORTH AMERICA
Canada

In Malta, Western Union Business Solutions is an operating division of The Western


Union Company. Services in Malta are provided by Western Union Business Solutions
(Malta) Limited, a limited company registered in Malta (Company Number C22339) with
its registered office at Il-Piazzetta, Tower Road, Sliema, SLM 1605, Malta and which is
licensed and regulated by the Malta Financial Services Authority to undertake the
business of financial services in terms of the Financial Institutions Act) (WUBS).

In Canada, Western Union Business Solutions is a division of The Western Union


Company. Services in Canada are provided by Custom House ULC, a company within
the Western Union Business Solutions division.

USA

Italy

In USA, Western Union Business Solutions is a division of The Western Union Company.
Services in the US are provided by Custom House USA, LLC (NMLS ID: 906985) and
Western Union Business Solutions (USA), LLC (NMLS ID: 907333) (collectively referred to
as WUBS or Western Union Business Solutions). For a complete listing of US state
licensing, visit http://business.westernunion.com/about/notices/. For additional information
about Custom House USA, LLC and Western Union Business Solutions (USA), LLC, visit
http://business.westernunion.com/about/compliance/.

In Italy, Western Union Business Solutions is a division of the Western Union Company
and provides services in Italy through Western Unions wholly-owned subsidiary
Custom House Financial (UK) Limited, Italian branch (which does business under the
trade name of Western Union Business Solutions).

EUROPE
Austria
In Austria, Western Union Business Solutions is a division of the Western Union
Company and provides services in Austria through Western Unions wholly-owned
subsidiary, Western Union International Bank GmbH (referred to as WUBS or
Western Union Business Solutions).
Western Union International Bank GmbH is registered in Austria (company number
FN256184t), Schubertring 11, 1010 Vienna, Austria.

Switzerland
In Switzerland, Western Union Business Solutions is a division of The Western Union
Company. Services in Switzerland are provided by Resch International, LLC (Swiss
branch), with a registered place of business at Werdstrasse 2, P.O. Box 2063, 8021
Zurich, Switzerland (referred to as WUBS or Western Union Business Solutions).
Western Union Business Solutions has based the opinions expressed herein on
information generally available to the public. Western Union Business Solutions makes
no warranty concerning the accuracy of this information and specifically
disclaims any liability whatsoever for any loss arising from trading decisions based on
the opinions expressed and information contained herein. Such information and
opinions are for general information only and are not intended to present advice with
respect to matters reviewed and commented upon.

France
In France, Western Union Business Solutions is a division of The Western Union
Company and provides services in France through its wholly-owned subsidiary
Western Union International Bank GmbH, French branch, (referred to as WUBS or
Western Union Business Solutions).
Western Union International Bank GmbH, French branch (RCS Nanterre 750 938 094)
has a registered place of business at Tour Manhattan, 5-6 place de lIris, 92095 Paris
La Dfense Cedex, France and is a branch of Western Union International Bank GmbH
(Registration Number 256184t), an Austrian company whose regsistered office is at
Schubertring 11, 1010 Vienna, Austria.

Custom House Financial (UK) Limited, a company organized and existing under
English law, with Companies House registration number 04380026, registered
offices at 12 Appold street, London EC2A 2AW, authorized by the Financial Conduct
Authority under the payment services regulations 2009 (register reference: 517165)
for the provision of payment services, corporate capital 800,001.00, having as sole
shareholder and therefore subject to the direction and coordination activity of
Western Union Processing Limited, acting through its Italian branch located at via
Virgilio Maroso 50, Rome, Italy 00142, No. of registration with the Companies
Registry of Rome and Tax No.11217361002, enrolled in the Payment Institution
Register (no. 36016.4) held by Bank of Italy

Germany
In Germany, Western Union Business Solutions is a division of the Western Union
Company and provides services in Germany through Western Unions wholly-owned
subsidiary Western Union International Bank GmbH, Germany branch (referred to as
WUBS or Western Union Business Solutions).
Western Union International Bank GmbH, Germany branch, has a registered place of
business at Solmsstrasse 18, 60486 Frankfurt am Main, Germany and is a branch of
Western Union International Bank GmbH (registered in Austria, Registration Number
256184t, Regsistered Office address: Schubertring 11, 1010 Vienna, Austria).

Poland
In Poland, Western Union Business Solutions is a division of The Western Union
Company and provides services in Poland through Western Union International Bank
GmbH, Polish Branch (referred to as WUBS or Western Union Business Solutions).
Western Union International Bank GmbH, Polish Branch (KRS No: 0000458059, NIP
No: 1080015316), has a registered place of business at Al. Jana Pawla II 29, 00-867
Warsaw, Poland, and is a branch of Western Union International Bank GmbH
(registration number 256184t) Schubertring 11, 1010 Vienna, Austria.

United Kingdom

Custom House Financial (UK) Limited (registered in England, Company Number


04380026, Registered Office Address: 12 Appold Street, London EC2A 2AW) is
authorised by the Financial Conduct Authority under the Payment Services Regulations
2009 (Register Reference: 517165) for the provision of payment services and is
registered as an MSB with HM Revenue & Customs (Registered No: 12140130).
Western Union Business Solutions (UK) Limited (registered in England, Company
Number 02854737, Registered Office Address: 12 Appold Street, London, EC2A 2AW) is
authorised by the Financial Conduct Authority under the Payment Services Regulations
2009 (Register Reference: 536611) for the provision of payment services and is
registered as an MSB with HM Revenue & Customs (Registered No: 12122416).

Czech Republic
In the Czech Republic, Western Union Business Solutions is a division of The Western
Union Company and provides services in the Czech Republic through Western Union
International Bank GmbH, organizan sloka (referred to as WUBS or Western
Union Business Solutions).
Western Union International Bank GmbH, organizan sloka is registered in the Czech
Commercial Register held by the Municipal Court in Prague, identification number 015
55 332, has a registered place of business at Vclavsk nm st 62, 110 00 Prague 1,
Czech Republic, and is a branch of Western Union International Bank GmbH
(registration number 256184t) Schubertring 11, 1010 Vienna, Austria.
Western Union International Bank GmbH is a bank registered on a list of banks
maintained by the Austrian Financial Market Authority (Finanzmarktaufsicht). Western
Union International Bank GmbH, organizan sloka is registered on a list of banks and
branches of foreign banks maintained by the Czech National Bank.

ASIA PACIFIC
Australia
In Australia, Western Union Business Solutions is a division of The Western Union
Company. In Australia, Custom House Currency Exchange (Australia) Pty Limited
ABN 95 086 278 659 and AFSL 238290 and/or Western Union Business Solutions
(Australia) Pty Limited ABN 24 150 129 749 and AFSL 404092 (collectively
referred to as WUBS) is the issuer of the financial products (if any) referred to in
this communication.
A Product Disclosure Statement is available for each of the financial products that
WUBS issues (if any) and can be obtained by visiting our compliance and legal
web page. Any advice provided in this communication is general and does not take
account of your financial situation, objectives or needs. Because of this, before you
act on it (including making any decision and/or trading) you should consider its
appropriateness having regard to your own objectives, financial situations and/or
needs.

In the UK, Western Union Business Solutions is a division of The Western Union
Company. Services in the UK are provided by Custom House Financial (UK) Limited
(which does business under the trade name of Western Union Business Solutions) or
Western Union Business Solutions (UK) Limited (collectively referred to as WUBS or
Western Union Business Solutions).

Page 92 of 94
2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

business.westernunion.com

DISCLAIMERS
Before you decide to acquire a financial product from WUBS you should read and
consider the relevant product disclosure statement. This communication has been
prepared solely for informational purposes and does not in any way create any
binding obligations on either party. Relations between you and WUBS shall be
governed by the applicable terms and conditions provided to you before you trade. No
representations, warranties or conditions of any kind, express or implied, are made in
this communication.
New Zealand
In New Zealand, Western Union Business Solutions is a division of The Western
Union Company. In New Zealand, Western Union Business Solutions (Australia) Pty
Ltd, NZ branch (company number 3527631 and FSP 168204) (WUBS) is the issuer
of the financial products (if any) referred to in this communication. A Product Disclosure
Statement is available for each of the financial products that WUBS issues and can be
obtained by visiting http://business.westernunion.co.nz/about/compliance/.
Any advice provide in this communication is class (general) advice only and does not
take account of your financial situation, objectives and/or needs. Because of this,
before you act on it (including making any decisions and/or trading) you should
consider its appropriateness having regard to your own objectives, financial situation
and/or needs. WUBS recommends that you seek personalised (personal) financial
advice from an authorised financial adviser.
This communication has been prepared solely for informational purposes and does not
in any way create any binding obligations on either party. Relations between you and
WUBS will be governed by the applicable terms and conditions provided to you before
you trade. No representations, warranties or conditions of any kind, express or implied,
are made in this communication.

Singapore
In Singapore, Western Union Business Solutions is a division of The Western Union
Company. Depending on the nature and scope of the services, services in Singapore
are provided by Western Union Business Solutions (Singapore) Pte Ltd (WUBS
Singapore) and/or WUBS Financial Services (Singapore) Pte Ltd (WUBS FS
Singapore) (collectively referred to as WUBS).
WUBS FS Singapore is a capital markets services licence holder for leveraged foreign
exchange trading, and an exempt financial adviser for advising others, either directly or
indirectly through publications or writings, and whether in electronic, print or other form,
concerning contracts or arrangements for the purposes of foreign exchange trading and
leveraged foreign exchange trading (other than advising others by issuing or
promulgating research analyses or research reports, whether in electronic, print or
other form, concerning any investment product and advising on corporate finance within
the meaning of the Securities and Futures Act, Cap 289 (SFA).
WUBS Singapore is a remittances licence holder. All payment and remittance
services referred to in this communication are offered under WUBS Singapores
Remittance Licence issued by the Monetary Authority of Singapore (MAS). WUBS
Singapores service does not include any service under the Payment Systems
(Oversight) Act 2006.
WUBS is not licensed, registered or authorised, or hold themselves out to be
licensed, registered or authorised to conduct any regulated activities under the
SFA, financial advisory services under the Financial Advisers Act, Cap 110, money
changing business and remittance business under the Money-Changing and
Remittance Business Act, Cap 187, and any other financial services or activities
subject to regulatory supervisions by the MAS or any other authority in Singapore,
save in respect of the specific activities described above for which each entity
holds a licence or an exemption to conduct such specific activities.

Page 93 of 94
2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

Hong Kong
In Hong Kong, Western Union Business Solutions is a division of The Western Union
Company. Services in Hong Kong are provided by Western Union Business Solutions
(Hong Kong) Limited (company number 1474270 and CE number BGY438) (WUBS).
WUBS is a licensed money service operator under the Anti-Money Laundering and
Counter-Terrorist Financing (Financial Institutions) Ordinance (Chapter 615, the Laws
of Hong Kong). WUBS is also licensed by the Securities and Futures Commission in
Hong Kong to conduct Type 3 (leveraged foreign exchange trading) regulated activity.
This communication has been prepared solely for informational purposes and does not
in any way create any binding obligations on either party. Relations between you and
WUBS shall be governed by the applicable terms and conditions. No representations,
warranties or conditions of any kind, express or implied, are made in this
communication..

business.westernunion.com

2016 Western Union Holdings, Inc. All Rights Reserved. The WESTERN UNION name, logo, trade name, trade dress and related trademarks and
Page 94
of 94
business.westernunion.com
service marks, owned by Western Union Holdings, Inc., are registered
and/or
used in the U.S. and many foreign countries.
This material is
proprietary to Western Union and cannot be used, reproduced, copied, displayed, distributed or used to prepare derivative works without the prior
written consent of Western
Union.
2016
Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential