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This guide provides the allowed values for bank account and routing schemes when creating a beneficiary. These specifications are regularly updated, so please refer to the release notes for the latest changes.
All ENUM values must be provided in ALL CAPS.

Production Environment

Below are the validation rules for each supported country in the production environment:
{
    "countries": {
        "AUS": {
            "allowed_currencies": [
                "AUD",
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local",
                    "swift"
                ],
                "number": {
                    "pattern": "^[0-9]{4,9}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bsb",
                    "number": {
                        "pattern": "^[0-9]{6}$"
                    },
                    "required_if_scheme": "local"
                },
                {
                    "scheme": "swift",
                    "number": {
                        "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "swift"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "BGD": {
            "allowed_currencies": [
                "BDT"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{6,20}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "CAN": {
            "allowed_currencies": [
                "CAD"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{7,12}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "branch_code",
                    "number": {
                        "pattern": "^[0-9]{3}$"
                    },
                    "required_if_scheme": null
                },
                {
                    "scheme": "transit_number",
                    "number": {
                        "pattern": "^[0-9]{5}$"
                    },
                    "required_if_scheme": "local"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "EU": {
            "allowed_currencies": [
                "EUR"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[A-Z0-9]{8}([A-Z0-9]{3})?$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "iban",
                    "number": {
                        "pattern": "^[A-Z0-9]{8}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "GBR": {
            "allowed_currencies": [
                "GBP",
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local",
                    "swift"
                ],
                "number": {
                    "pattern_local": "^[A-Z0-9]{8}([A-Z0-9]{3})?$",
                    "pattern_iban": "^[A-Z0-9]{8}([A-Z0-9]{3})?$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "swift",
                    "number": {
                        "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "swift"
                },
                {
                    "scheme": "iban",
                    "number": {
                        "pattern": "^[A-Z0-9]{8}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "IND": {
            "allowed_currencies": [
                "INR"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{6,18}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "ifsc",
                    "number": {
                        "pattern": "^[A-Za-z]{4}0[A-Za-z0-9]{6}$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "JPN": {
            "allowed_currencies": [
                "JPY"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{7}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_code",
                    "number": {
                        "pattern": "^[0-9]{4}$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "NPL": {
            "allowed_currencies": [
                "NPR"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{8,20}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "PHL": {
            "allowed_currencies": [
                "PHP"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{8,16}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "PAK": {
            "allowed_currencies": [
                "PKR"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^PK[0-9A-Z]{22}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "SGP": {
            "allowed_currencies": [
                "SGD",
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local",
                    "swift"
                ],
                "number": {
                    "pattern": "^[0-9]{7,11}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "swift",
                    "number": {
                        "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "swift"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "USA": {
            "allowed_currencies": [
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{4,17}$"
                },
                "type": [
                    "checking",
                    "savings"
                ]
            },
            "bank_routing": [
                {
                    "scheme": "ach",
                    "number": {
                        "pattern": "^[0-9]{9}$"
                    },
                    "required_if_scheme": "conditional"
                },
                {
                    "scheme": "wire",
                    "number": {
                        "pattern": "^[0-9]{9}$"
                    },
                    "required_if_scheme": "conditional"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[0-9]{1}$"
                    },
                    "required_if_scheme": "always"
                }
            ]
        }
    }
}

Sandbox Environment

Below are the validation rules for each supported country in the sandbox environment. Note that the sandbox includes additional test countries for development purposes:
{
    "countries": {
        "ARE": {
            "allowed_currencies": [
                "AED",
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local",
                    "swift"
                ],
                "number": {
                    "pattern": "^AE[0-9A-Z]{21}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "swift",
                    "number": {
                        "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "swift"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "AUS": {
            "allowed_currencies": [
                "AUD",
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local",
                    "swift"
                ],
                "number": {
                    "pattern": "^[0-9]{4,9}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bsb",
                    "number": {
                        "pattern": "^[0-9]{6}$"
                    },
                    "required_if_scheme": "local"
                },
                {
                    "scheme": "swift",
                    "number": {
                        "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "swift"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "BGD": {
            "allowed_currencies": [
                "BDT"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{6,20}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "CAN": {
            "allowed_currencies": [
                "CAD"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{7,12}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "branch_code",
                    "number": {
                        "pattern": "^[0-9]{3}$"
                    },
                    "required_if_scheme": null
                },
                {
                    "scheme": "transit_number",
                    "number": {
                        "pattern": "^[0-9]{5}$"
                    },
                    "required_if_scheme": "local"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "CHN": {
            "allowed_currencies": [
                "CNY",
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local",
                    "swift"
                ],
                "number": {
                    "pattern": "^[0-9]{8,20}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "swift",
                    "number": {
                        "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "swift"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "GBR": {
            "allowed_currencies": [
                "GBP",
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local",
                    "swift"
                ],
                "number": {
                    "pattern_local": "^[A-Z0-9]{8}([A-Z0-9]{3})?$",
                    "pattern_iban": "^[A-Z0-9]{8}([A-Z0-9]{3})?$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "swift",
                    "number": {
                        "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "swift"
                },
                {
                    "scheme": "iban",
                    "number": {
                        "pattern": "^[A-Z0-9]{8}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "HKG": {
            "allowed_currencies": [
                "HKD"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{6,12}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "IND": {
            "allowed_currencies": [
                "INR"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{6,18}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "ifsc",
                    "number": {
                        "pattern": "^[A-Za-z]{4}0[A-Za-z0-9]{6}$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "JPN": {
            "allowed_currencies": [
                "JPY"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{7}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_code",
                    "number": {
                        "pattern": "^[0-9]{4}$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "NGA": {
            "allowed_currencies": [
                "NGN"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{10}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "NPL": {
            "allowed_currencies": [
                "NPR"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{8,20}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "PHL": {
            "allowed_currencies": [
                "PHP"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{8,16}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "PAK": {
            "allowed_currencies": [
                "PKR"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^PK[0-9A-Z]{22}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "SGP": {
            "allowed_currencies": [
                "SGD",
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local",
                    "swift"
                ],
                "number": {
                    "pattern": "^[0-9]{7,11}$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "swift",
                    "number": {
                        "pattern": "^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "swift"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "EU": {
            "allowed_currencies": [
                "EUR"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[A-Z0-9]{8}([A-Z0-9]{3})?$"
                }
            },
            "bank_routing": [
                {
                    "scheme": "iban",
                    "number": {
                        "pattern": "^[A-Z0-9]{8}([A-Z0-9]{3})?$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "always"
                },
                {
                    "scheme": "branch_identifier",
                    "number": {
                        "pattern": "^[1-9]\\d*$"
                    },
                    "required_if_scheme": "conditional"
                }
            ]
        },
        "USA": {
            "allowed_currencies": [
                "USD"
            ],
            "bank_account": {
                "scheme": [
                    "local"
                ],
                "number": {
                    "pattern": "^[0-9]{4,17}$"
                },
                "type": [
                    "checking",
                    "savings"
                ]
            },
            "bank_routing": [
                {
                    "scheme": "ach",
                    "number": {
                        "pattern": "^[0-9]{9}$"
                    },
                    "required_if_scheme": "conditional"
                },
                {
                    "scheme": "wire",
                    "number": {
                        "pattern": "^[0-9]{9}$"
                    },
                    "required_if_scheme": "conditional"
                },
                {
                    "scheme": "bank_identifier",
                    "number": {
                        "pattern": "^[0-9]{1}$"
                    },
                    "required_if_scheme": "always"
                }
            ]
        }
    }
}