> ## Documentation Index
> Fetch the complete documentation index at: https://developer.fin.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Bank account & routing number validation rules
> Allowed values for bank account and routing schemes when creating a beneficiary.
Allowed values for bank account and routing schemes when creating a beneficiary. These specifications are regularly updated — refer to the [release notes](/changelogs) for the latest changes.
All ENUM values must be provided in **ALL CAPS** when making API calls.
### Required when values
| Value | Meaning |
| :------------ | :------------------------------------------------------- |
| `always` | Required regardless of the bank account scheme used |
| `local` | Required only when `bank_account.scheme` is `LOCAL` |
| `swift` | Required only when `bank_account.scheme` is `SWIFT` |
| `conditional` | Required based on the payment type (ACH vs wire for USA) |
| `null` | Optional — include if available |
**Allowed currencies:** `AUD`, `USD`
**Bank account**
| Field | Value |
| :----------- | :--------------- |
| Schemes | `LOCAL`, `SWIFT` |
| Number regex | `^[0-9]{4,9}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :-------------------------------------------- | :------------ |
| `BSB` | `^[0-9]{6}$` | `local` |
| `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "AUS",
"currency": "AUD",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Afroja",
"last_name": "Akter",
"email": "afroja@example.com",
"phone": "+61412345678"
},
"bank_account": {
"bank_name": "Commonwealth Bank of Australia",
"number": "123456789",
"scheme": "LOCAL",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
"city": "Sydney",
"state": "AU-SA",
"postcode": "2000",
"country": "AUS"
},
"account_holder_address": {
"street_line_1": "42 Wallaby Way",
"city": "Queensland",
"state": "AU-SA",
"postcode": "2000",
"country": "AUS"
},
"receiver_meta_data": {
"nationality": "AUS",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{ "scheme": "BSB", "number": 123456 },
{ "scheme": "BANK_IDENTIFIER", "number": 120 }
],
"developer_fee": { "fixed": 1.25, "percentage": 0.45 },
"deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": { "auto_settlement": false }
}
```
```json SWIFT theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "AUS",
"currency": "USD",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "Connor",
"email": "michael.oconnor@example.com",
"phone": "+61412345678"
},
"bank_account": {
"bank_name": "Commonwealth Bank of Australia",
"number": "123456789",
"scheme": "SWIFT",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
"city": "Sydney",
"state": "AU-SA",
"postcode": "2000",
"country": "AUS"
},
"account_holder_address": {
"street_line_1": "42 Wallaby Way",
"city": "Queensland",
"state": "AU-SA",
"postcode": "2000",
"country": "AUS"
},
"receiver_meta_data": {
"nationality": "AUS",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{ "scheme": "BANK_IDENTIFIER", "number": 3503 },
{ "scheme": "SWIFT", "number": "DBSSSGSG001" }
],
"developer_fee": { "fixed": 1.25, "percentage": 0.45 },
"deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": { "auto_settlement": false }
}
```
**Allowed currencies:** `BDT`
**Bank account**
| Field | Value |
| :----------- | :-------------- |
| Schemes | `LOCAL` |
| Number regex | `^[0-9]{6,20}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :----------- | :------------ |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local bank theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "BGD",
"currency": "BDT",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Afroja",
"last_name": "Akter",
"email": "afro@email.com",
"phone": "+8801688502814"
},
"bank_account": {
"bank_name": "BRAC Bank Limited",
"number": "1234567890123456",
"scheme": "LOCAL",
"type": "SAVINGS"
},
"bank_routing": [
{ "scheme": "BANK_IDENTIFIER", "number": 161 },
{ "scheme": "BRANCH_IDENTIFIER", "number": 125 }
],
"bank_address": {
"street_line_1": "BRAC Bank Tower, 75 Mohakhali",
"city": "Dhaka",
"state": "BD-03",
"postcode": "1212",
"country": "BGD"
},
"account_holder_address": {
"street_line_1": "42 Dhanmondi Road",
"city": "Dhaka",
"state": "BD-03",
"postcode": "1205",
"country": "BGD"
},
"receiver_meta_data": {
"nationality": "BGD",
"transaction_purpose_id": 6,
"transaction_purpose_remarks": "Education expenses",
"occupation_id": 210,
"occupation_remarks": "Software Engineer",
"relationship": "FAMILY_MEMBER"
},
"developer_fee": { "fixed": 2.50, "percentage": 10.5 },
"deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
"refund_instruction": {
"wallet_address": "0x1234567890123456789012345678901234567890",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": { "auto_settlement": true }
}
```
```json E-wallet (bKash) theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "BGD",
"currency": "BDT",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Fahmi",
"last_name": "Testbenvtwo",
"email": "fahmitestbenv2ewallet@email.com",
"phone": "+8801688502814"
},
"account_holder_address": {
"street_line_1": "42 Chamelibag Shantinagar",
"city": "Dhaka",
"state": "BD",
"postcode": "1217",
"country": "BGD"
},
"receiver_meta_data": {
"nationality": "BGD",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Education expenses",
"occupation_id": 2,
"occupation_remarks": "Software Engineer",
"relationship": "FRIEND"
},
"e_wallet": {
"number": "+8801688502814",
"scheme": "BKASH"
},
"developer_fee": { "fixed": 1.55, "percentage": 0.48 },
"deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
"refund_instruction": {
"wallet_address": "0xabcdef1234567890abcdef1234567890abcdef12",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": { "auto_settlement": false }
}
```
**Allowed currencies:** `CAD`
**Bank account**
| Field | Value |
| :----------- | :-------------- |
| Schemes | `LOCAL` |
| Number regex | `^[0-9]{7,12}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :----------- | :------------ |
| `BRANCH_CODE` | `^[0-9]{3}$` | `null` |
| `TRANSIT_NUMBER` | `^[0-9]{5}$` | `local` |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "CAN",
"currency": "CAD",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Liz",
"last_name": "Tomford",
"email": "liztomford@email.com",
"phone": "+12345678910"
},
"bank_account": {
"bank_name": "Royal Bank of Canada",
"number": "123456789",
"scheme": "LOCAL",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "Ground Floor Tower 1, 201 Sussex Street",
"city": "Alberta",
"state": "CA-BC",
"postcode": "2000",
"country": "CAN"
},
"account_holder_address": {
"street_line_1": "42 Wallaby Way",
"city": "Vancouver",
"state": "CA-BC",
"postcode": "4554",
"country": "CAN"
},
"receiver_meta_data": {
"nationality": "USA",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{ "scheme": "BANK_IDENTIFIER", "number": 163 },
{ "scheme": "TRANSIT_NUMBER", "number": 50201 }
],
"developer_fee": { "fixed": 1.25, "percentage": 0.45 },
"deposit_instruction": { "currency": "USDC", "rail": "POLYGON" },
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": { "auto_settlement": false }
}
```
**Allowed currencies:** `EUR` for all EUR-supported countries in this region
**Bank account**
| Field | Value |
| :----------- | :---------------------------- |
| Schemes | `LOCAL` |
| Number regex | `^[A-Z0-9]{8}([A-Z0-9]{3})?$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :---------------------------------- | :------------ |
| `IBAN` | `^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$` | `always` |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "{{customer_id}}",
"counter_party": "FIRST_PARTY",
"country": "FRA",
"currency": "EUR",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Camille",
"last_name": "Fontaine",
"email": "camille.fontaine@orange.fr",
"phone": "+33612345678"
},
"bank_account": {
"bank_name": "BNP Paribas",
"number": "30004007648",
"scheme": "LOCAL",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "16 Boulevard des Italiens",
"city": "Paris",
"state": "FR-75",
"postcode": "75009",
"country": "FRA"
},
"account_holder_address": {
"street_line_1": "24 Rue de Rivoli",
"city": "Paris",
"state": "FR-75",
"postcode": "75004",
"country": "FRA"
},
"receiver_meta_data": {
"nationality": "FRA",
"occupation_id": 504,
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Personal remittance for living expenses and family support",
"relationship": "EMPLOYEE",
"relationship_remarks": "Individual beneficiary"
},
"bank_routing": [
{
"scheme": "IBAN",
"number": "FR7630004007540001957675085"
},
{
"scheme": "BANK_IDENTIFIER",
"number": 1918
}
],
"developer_fee": {
"fixed": 0,
"percentage": 0
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x9c3d57fa82b401e7d2087ab36c1f8e3d20a647b1",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
```json SWIFT theme={null}
{
"customer_id": "{{customer_id}}",
"country": "FRA",
"currency": "USD",
"account_holder": {
"type": "BUSINESS",
"business_name": "Lumiere Tech Solutions SAS",
"email": "comptabilite@lumieretech.fr",
"phone": "+33140298765"
},
"bank_account": {
"bank_name": "Societe Generale",
"number": "30102578492",
"scheme": "SWIFT",
"type": "CHECKING"
},
"bank_address": {
"street_line_1": "29 Boulevard Haussmann",
"city": "Paris",
"state": "FR-75",
"postcode": "75009",
"country": "FRA"
},
"account_holder_address": {
"street_line_1": "12 Rue du Faubourg Saint-Antoine",
"city": "Paris",
"state": "FR-75",
"postcode": "75012",
"country": "FRA"
},
"receiver_meta_data": {
"nationality": "FRA",
"transaction_purpose_id": 15,
"transaction_purpose_remarks": "Payment for B2B software services and technology consulting exports",
"relationship": "CUSTOMER",
"relationship_remarks": "Corporate beneficiary"
},
"bank_routing": [
{
"scheme": "SWIFT",
"number": "SOGEFRPPXXX"
},
{
"scheme": "BANK_IDENTIFIER",
"number": 1918
}
],
"developer_fee": {
"fixed": 0,
"percentage": 0
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0xf4a823cd91e756b30d18ec47f2b0d3e85a91c027",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
**Allowed currencies:** `GBP`, `USD`
**Bank account**
| Field | Value |
| :------------------- | :---------------------------------- |
| Schemes | `LOCAL`, `SWIFT` |
| Number regex (local) | `^[A-Z0-9]{8}([A-Z0-9]{3})?$` |
| Number regex (IBAN) | `^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :-------------------------------------------- | :------------ |
| `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
| `IBAN` | `^[A-Z]{2}[0-9]{2}[A-Z0-9]{11,30}$` | `always` |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "GBR",
"currency": "GBP",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "Connor",
"email": "michael.oconnor@example.com",
"phone": "+447912345678"
},
"bank_account": {
"bank_name": "Barclays Bank UK",
"number": "12345678",
"scheme": "LOCAL",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "1 Churchill Place",
"city": "London",
"state": "GB-ABE",
"postcode": "E14 5HP",
"country": "GBR"
},
"account_holder_address": {
"street_line_1": "22 Baker Street",
"city": "London",
"state": "GB-ABE",
"postcode": "W1U 3BW",
"country": "GBR"
},
"receiver_meta_data": {
"nationality": "GBR",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{
"scheme": "IBAN",
"number": "NW11BKGB2LXXX1223456"
},
{
"scheme": "BANK_IDENTIFIER",
"number": 274
}
],
"developer_fee": {
"fixed": 1.25,
"percentage": 0.45
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
```json SWIFT theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "GBR",
"currency": "USD",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "Connor",
"email": "michael.oconnor@example.com",
"phone": "+447912345678"
},
"bank_account": {
"bank_name": "Barclays Bank UK",
"number": "12345678",
"scheme": "SWIFT",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "1 Churchill Place",
"city": "London",
"state": "GB-ABE",
"postcode": "E14 5HP",
"country": "GBR"
},
"account_holder_address": {
"street_line_1": "22 Baker Street",
"city": "London",
"state": "GB-ABE",
"postcode": "W1U 3BW",
"country": "GBR"
},
"receiver_meta_data": {
"nationality": "GBR",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{
"scheme": "BANK_IDENTIFIER",
"number": 3501
},
{
"scheme": "IBAN",
"number": "NW11BKGB2LXXX1223456"
},
{
"scheme": "SWIFT",
"number": "BARCGB22XXX"
}
],
"developer_fee": {
"fixed": 1.25,
"percentage": 0.45
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
**Allowed currencies:** `INR`, `USD`
**Bank account**
| Field | Value |
| :----------- | :--------------- |
| Schemes | `LOCAL`, `SWIFT` |
| Number regex | `^[0-9]{6,18}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :-------------------------------------------- | :------------ |
| `IFSC` | `^[A-Za-z]{4}0[A-Za-z0-9]{6}$` | `always` |
| `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "IND",
"currency": "INR",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "Connor",
"email": "michael.oconnor@example.com",
"phone": "+919876543210"
},
"bank_account": {
"bank_name": "State Bank of India",
"number": "12345678901",
"scheme": "LOCAL",
"type": "CHECKING"
},
"bank_address": {
"street_line_1": "SBI Tower, Bandra Kurla Complex",
"city": "Mumbai",
"state": "IN-AP",
"postcode": "400051",
"country": "IND"
},
"account_holder_address": {
"street_line_1": "42 Marine Drive",
"city": "Mumbai",
"state": "IN-AP",
"postcode": "400002",
"country": "IND"
},
"receiver_meta_data": {
"nationality": "IND",
"transaction_purpose_id": 4,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{
"scheme": "BRANCH_IDENTIFIER",
"number": 30690
}, // [!code ++]
{ // [!code ++]
"scheme": "IFSC",
"number": "ABCD0A1B2C3"
},
{
"scheme": "BANK_IDENTIFIER",
"number": 1800
}
],
"developer_fee": {
"fixed": 1.25,
"percentage": 0.45
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": true
}
}
```
```json SWIFT theme={null}
{
"customer_id": "{{customer_id}}",
"country": "IND",
"currency": "USD",
"account_holder": {
"type": "BUSINESS",
"business_name": "Zenith Exports Private Limited",
"email": "finance@zenithexports.in",
"phone": "+912240867531"
},
"bank_account": {
"bank_name": "ICICI Bank",
"number": "628374910234567",
"scheme": "SWIFT",
"type": "CHECKING"
},
"bank_address": {
"street_line_1": "ICICI Bank Tower, Bandra Kurla Complex",
"city": "Mumbai",
"state": "IN-MH",
"postcode": "400051",
"country": "IND"
},
"account_holder_address": {
"street_line_1": "Plot 7, MIDC Industrial Area, Andheri East",
"city": "Mumbai",
"state": "IN-MH",
"postcode": "400093",
"country": "IND"
},
"receiver_meta_data": {
"nationality": "IND",
"transaction_purpose_id": 13,
"transaction_purpose_remarks": "Payment for export of manufactured goods",
"relationship": "CUSTOMER",
"relationship_remarks": "Corporate beneficiary"
},
"bank_routing": [
{
"scheme": "IFSC",
"number": "ICIC0000021"
},
{
"scheme": "SWIFT",
"number": "ICICINBBMUM"
},
{
"scheme": "BANK_IDENTIFIER",
"number": 3855
}
],
"developer_fee": {
"fixed": 0,
"percentage": 0
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0xb2d894f13c67a501e8d409bc27f3e82d1054a8c9",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
**Allowed currencies:** `JPY`
**Bank account**
| Field | Value |
| :----------- | :----------- |
| Schemes | `LOCAL` |
| Number regex | `^[0-9]{7}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :----------- | :------------ |
| `BANK_CODE` | `^[0-9]{4}$` | `always` |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"routing_scheme": "BANK_CODE",
"routing_value": "<4-digit bank code>",
"bank_identifier": "",
"branch_identifier": ""
}
```
**Allowed currencies:** `MXN`
**Bank account**
| Field | Value |
| :----------- | :--------- |
| Schemes | `LOCAL` |
| Number regex | `^\d{18}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------ | :--------- | :------------ |
| `CLABE` | `^\d{18}$` | `local` |
* Only **first-party payouts** are currently supported for MXN. Third-party payouts are not available at this time.
* `auto\_settlement` must be `true` for MXN payouts.
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "MEX",
"currency": "MXN",
"account_holder": {
"type": "BUSINESS",
"business_name": "Acme Corp",
"email": "contact@acmecorp.com",
"phone": "+525512345678"
},
"bank_account": {
"bank_name": "STP",
"number": "646180402301253739",
"scheme": "LOCAL",
"type": "CHECKING"
},
"bank_routing": [
{
"scheme": "CLABE",
"number": "646180402301253739"
}
],
"bank_address": {
"street_line_1": "Paseo de la Reforma 510",
"city": "Ciudad de Mexico",
"state": "MX-CMX",
"postcode": "06600",
"country": "MEX"
},
"account_holder_address": {
"street_line_1": "Avenida Insurgentes Sur 123",
"city": "Ciudad de Mexico",
"state": "MX-CMX",
"postcode": "01000",
"country": "MEX"
},
"receiver_meta_data": {
"nationality": "USA",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Education expenses",
"occupation_id": 2,
"occupation_remarks": "Software Engineer",
"relationship": "FAMILY_MEMBER"
},
"developer_fee": {
"fixed": 0,
"percentage": 0
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": true
}
}
```
**Allowed currencies:** `NPR`
**Bank account**
| Field | Value |
| :----------- | :-------------- |
| Schemes | `LOCAL` |
| Number regex | `^[0-9]{8,20}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :----------- | :------------ |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "NPL",
"currency": "NPR",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "Connor",
"email": "michael.oconnor@example.com",
"phone": "+9779801234567"
},
"bank_account": {
"bank_name": "Nabil Bank Limited",
"number": "00123456789",
"scheme": "LOCAL",
"type": "CHECKING"
},
"bank_address": {
"street_line_1": "Durbarmarg",
"city": "Kathmandu",
"state": "NP-2",
"postcode": "44600",
"country": "NPL"
},
"account_holder_address": {
"street_line_1": "Thamel",
"city": "Kathmandu",
"state": "NP-2",
"postcode": "44600",
"country": "NPL"
},
"receiver_meta_data": {
"nationality": "NPL",
"transaction_purpose_id": 7,
"occupation_id": 15,
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{
"scheme": "BANK_IDENTIFIER",
"number": "1768"
}
],
"developer_fee": {
"fixed": 1.25,
"percentage": 0.45
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
**Allowed currencies:** `PKR`
**Bank account**
| Field | Value |
| :----------- | :----------------- |
| Schemes | `LOCAL` |
| Number regex | `^PK[0-9A-Z]{22}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :----------- | :------------ |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "PAK",
"currency": "PKR",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "OConnor",
"email": "michael.oconnor@example.com",
"phone": "+923001234567"
},
"bank_account": {
"bank_name": "Habib Bank Limited",
"number": "PK36HABB1234567890123456",
"scheme": "LOCAL",
"type": "CHECKING"
},
"bank_address": {
"street_line_1": "Habib Bank Plaza",
"city": "Karachi",
"state": "PK-SD",
"postcode": "74400",
"country": "PAK"
},
"account_holder_address": {
"street_line_1": "42 Clifton Road",
"city": "Karachi",
"state": "PK-SD",
"postcode": "74400",
"country": "PAK"
},
"receiver_meta_data": {
"nationality": "PAK",
"transaction_purpose_id": 2,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{
"scheme": "BANK_IDENTIFIER",
"number": 1778
}
],
"developer_fee": {
"fixed": 1.25,
"percentage": 0.45
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": true
}
}
```
**Allowed currencies:** `PHP`
**Bank account**
| Field | Value |
| :----------- | :-------------- |
| Schemes | `LOCAL` |
| Number regex | `^[0-9]{8,16}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :----------- | :------------ |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "PHL",
"currency": "PHP",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "OConnor",
"email": "michael.oconnor@example.com",
"phone": "+639171234567"
},
"bank_account": {
"bank_name": "Bank of the Philippine Islands",
"number": "1234567890",
"scheme": "LOCAL",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "BPI Buendia Branch",
"city": "Makati City",
"state": "PH-03",
"postcode": "1200",
"country": "PHL"
},
"account_holder_address": {
"street_line_1": "42 Ayala Avenue",
"city": "Makati City",
"state": "PH-03",
"postcode": "1200",
"country": "PHL"
},
"receiver_meta_data": {
"nationality": "PHL",
"transaction_purpose_id": 3,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 500,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{
"scheme": "BANK_IDENTIFIER",
"number": 1770
}
],
"developer_fee": {
"fixed": 1.25,
"percentage": 0.45
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
**Allowed currencies:** `SGD`, `USD`
**Bank account**
| Field | Value |
| :----------- | :--------------- |
| Schemes | `LOCAL`, `SWIFT` |
| Number regex | `^[0-9]{7,11}$` |
**Bank routing**
| Scheme | Regex | Required when |
| :------------------ | :-------------------------------------------- | :------------ |
| `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
| `BANK_IDENTIFIER` | `^[1-9]\d*$` | `always` |
| `BRANCH_IDENTIFIER` | `^[1-9]\d*$` | `conditional` |
```json Local theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "SGP",
"currency": "SGD",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "Connor",
"email": "michael.oconnor@example.com",
"phone": "+6591234567"
},
"bank_account": {
"bank_name": "DBS Bank",
"number": "1234567890",
"scheme": "LOCAL",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "12 Marina Boulevard",
"city": "Singapore",
"state": "SG-02",
"postcode": "018982",
"country": "SGP"
},
"account_holder_address": {
"street_line_1": "5 Shenton Way",
"city": "Singapore",
"state": "SG-02",
"postcode": "068808",
"country": "SGP"
},
"receiver_meta_data": {
"nationality": "SGP",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{
"scheme": "BANK_IDENTIFIER",
"number": 1782
}
],
"developer_fee": {
"fixed": 1.25,
"percentage": 0.45
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": true
}
}
```
```json SWIFT theme={null}
{
"customer_id": "31526861-ebe0-4f84-a7b2-2c3ec1cc47f9",
"counter_party": "FIRST_PARTY",
"country": "SGP",
"currency": "USD",
"account_holder": {
"type": "INDIVIDUAL",
"first_name": "Michael",
"last_name": "Connor",
"email": "michael.oconnor@example.com",
"phone": "+6591234567"
},
"bank_account": {
"bank_name": "DBS Bank",
"number": "1234567890",
"scheme": "SWIFT",
"type": "SAVINGS"
},
"bank_address": {
"street_line_1": "12 Marina Boulevard",
"city": "Singapore",
"state": "SG-02",
"postcode": "018982",
"country": "SGP"
},
"account_holder_address": {
"street_line_1": "5 Shenton Way",
"city": "Singapore",
"state": "SG-02",
"postcode": "068808",
"country": "SGP"
},
"receiver_meta_data": {
"nationality": "SGP",
"transaction_purpose_id": 1,
"transaction_purpose_remarks": "Send to Family & Friends",
"occupation_id": 504,
"occupation_remarks": "Software quality assurance analyst and tester",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Family & Friends"
},
"bank_routing": [
{
"scheme": "SWIFT",
"number": "DBSSSGSG"
},
{
"scheme": "BANK_IDENTIFIER",
"number": 3499
}
],
"developer_fee": {
"fixed": 1.25,
"percentage": 0.45
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x1b577931C1cC2765024bFbafad97bCe14FF2e87F",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
**Allowed currencies:** `USD`
**Bank account**
| Field | Value |
| :------------ | :-------------------- |
| Schemes | `LOCAL`, `SWIFT` |
| Number regex | `^[0-9]{4,17}$` |
| Account types | `CHECKING`, `SAVINGS` |
**Bank routing**
| Scheme | Regex | Required when |
| :---------------- | :-------------------------------------------- | :------------ |
| `ACH` | `^[0-9]{9}$` | `conditional` |
| `FEDWIRE` | `^[0-9]{9}$` | `conditional` |
| `SWIFT` | `^[A-Z]{4}[A-Z]{2}[A-Z0-9]{2}([A-Z0-9]{3})?$` | `swift` |
| `BANK_IDENTIFIER` | `^[0-9]{1}$` | `always` |
```json Local (ACH) theme={null}
{
"customer_id": "8e08ca88-df60-41e7-b1ed-ff8f95480ff0",
"counter_party": "FIRST_PARTY",
"country": "USA",
"currency": "USD",
"account_holder": {
"type": "BUSINESS",
"business_name": "Rivertel",
"email": "rivertel@rivertel.com",
"phone": "+1041555526"
},
"bank_account": {
"bank_name": "Column NA - Brex",
"number": "202063425871811",
"scheme": "LOCAL",
"type": "CHECKING"
},
"bank_address": {
"street_line_1": "7409 37th Ave Ste 403",
"city": "Jackson Heights",
"state": "US-CA",
"postcode": "11372",
"country": "USA"
},
"account_holder_address": {
"street_line_1": "7409 37th Ave Ste 403",
"city": "Jackson Heights",
"state": "US-CA",
"postcode": "11372",
"country": "USA"
},
"receiver_meta_data": {
"nationality": "USA",
"transaction_purpose_id": 15,
"transaction_purpose_remarks": "Business payment",
"relationship": "FAMILY_MEMBER",
"relationship_remarks": "Corporate beneficiary"
},
"bank_routing": [
{
"scheme": "ACH",
"number": "121145349"
},
{
"scheme": "BANK_IDENTIFIER",
"number": "1"
}
],
"developer_fee": {
"fixed": null,
"percentage": 0.65
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x838c562c55c4e515417ea15b852ffa2bded9b990",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": false
}
}
```
```json SWIFT theme={null}
{
"customer_id": "{{customer_id}}",
"counter_party": "FIRST_PARTY",
"country": "USA",
"currency": "USD",
"account_holder": {
"type": "BUSINESS",
"business_name": "Meridian Cargo Solutions LLC",
"email": "accounts@meridiancargosolutions.com",
"phone": "+17189042371"
},
"bank_account": {
"bank_name": "Column NA - Brex",
"number": "787212236285345",
"scheme": "SWIFT",
"type": "CHECKING"
},
"bank_address": {
"street_line_1": "1 Letterman Drive A Suite A4-700",
"city": "San Francisco",
"state": "US-CA",
"postcode": "94129",
"country": "USA"
},
"account_holder_address": {
"street_line_1": "8437 170th St",
"city": "Jamaica",
"state": "US-NY",
"postcode": "11432",
"country": "USA"
},
"receiver_meta_data": {
"nationality": "USA",
"transaction_purpose_id": 14,
"transaction_purpose_remarks": "International trade payment for logistics and freight services",
"relationship": "FRIEND",
"relationship_remarks": "Corporate beneficiary"
},
"bank_routing": [
{
"scheme": "ACH",
"number": "121145349"
},
{
"scheme": "SWIFT",
"number": "CLNOUS66BRX"
},
{
"scheme": "BANK_IDENTIFIER",
"number": 3498
}
],
"developer_fee": {
"fixed": 0,
"percentage": 0
},
"deposit_instruction": {
"currency": "USDC",
"rail": "POLYGON"
},
"refund_instruction": {
"wallet_address": "0x4e9ce36e442e55ecd9025b9a6e0d88485d628a67",
"currency": "USDC",
"rail": "POLYGON"
},
"settlement_config": {
"auto_settlement": true
}
}
```