---
title: "Send funds to third parties"
description: "Learn how to send funds to third parties using an Adyen business account."
url: "https://docs.adyen.com/business-accounts/send-funds"
source_url: "https://docs.adyen.com/business-accounts/send-funds.md"
canonical: "https://docs.adyen.com/business-accounts/send-funds"
last_modified: "2022-02-28T17:18:00+01:00"
language: "en"
---

# Send funds to third parties

Learn how to send funds to third parties using an Adyen business account.

[View source](/business-accounts/send-funds.md)

With an Adyen business account, your users can make business-related payments by transferring funds to third-party bank accounts, for example, to pay out their suppliers. Third-party accounts are *not owned* by your user and therefore *not connected* to their legal entity as a [transfer instrument](https://docs.adyen.com/api-explorer/legalentity/latest/post/transferInstruments).

When your user makes a payment to a third-party bank account, their business accounts are debited, and the business account number is shown in the bank statement of the recipient. Adyen informs your server of this transfer through [outgoing bank transfer webhooks](/business-accounts/third-party-transfer-webhooks/#sending-funds).

We are working on making it possible to collect payments from third-party bank accounts through direct debit. In this case, the Adyen business account is credited.

## Supported currencies, locations, and priorities

You can specify how fast you want the funds to arrive to your user's account by setting a priority in the request or schedule. A with a higher priority incurs higher fees. You can set the following priorities for bank transfers:

* **Regular**: Recommended for standard, low-value transactions to a recipient in the same region.

* **Instant**: Transfers funds instantly within the United States, Australia, the United Kingdom, and the [Single Euro Payments Area (SEPA)](https://finance.ec.europa.eu/consumer-finance-and-payments/payment-services/single-euro-payments-area-sepa_en).

* **Fast**: Processes faster than Regular and incurs higher fees. Suitable for high-priority, low-value transfers in the same region.

* **Wire**: The fastest option, with the highest fees. Recommended for high-priority, high-value transfers in the same region.

* **Cross-border**: Recommended for high-value transfers to recipients in other regions or countries.

  When using Cross-border priority, delays and additional fees may occur due to intermediary banks. As a result, the beneficiary may receive a lower amount than the instructed value.

* **Internal**: Transfers between Adyen-issued accounts, such as balance accounts or business accounts.

The following tables show the priorities available for each currency and location.

### Tab: Send USD

| Priority of outgoing transfer | Available for US business accounts                                                          | Available for EU business account                                                           | Available for UK business accounts                                                          |
| ----------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Regular                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Instant                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Fast                          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Wire                          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Cross border                  | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Internal                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### Tab: Send EUR

| Priority of outgoing transfer | Available for US business accounts                                                          | Available for EU business accounts                                                          | Available for UK business accounts                                                          |
| ----------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Regular                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Instant                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Fast                          | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Wire                          | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Cross border                  | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Internal                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### Tab: Send GBP

| Priority of outgoing transfer | Available for US business accounts                                                          | Available for EU business accounts                                                          | Available for UK business accounts                                                          |
| ----------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Regular                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Instant                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Fast                          | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Wire                          | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cross border                  | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Internal                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

## Transfer cut-off times

There are specific times during a business day, called **cut-off times**, when Adyen stops processing bank transfers for settlement within the settlement delay. Bank transfers initiated before the cut-off time are typically processed within the specified **settlement delay**, while those initiated after the cut-off time will be processed the next day within the specified settlement delay.

Adhering to cut-off times can help you maintain consistency and predictability of your financial activities.

### Example cut-off times

### Tab: SEPA recipient

Suppose you need to make a bank to a recipient in the SEPA. Depending on when you initiate the , the funds will be available the same business day or the next business day.

1. You initiate the with a **wire** priority at **16:20 CET** (10 minutes before the 16:30 CET cut-off time). Adyen processes this , and the recipient will receive the funds the same business day.
2. You initiate the with a **wire** priority at **17:00 CET** (30 minutes after the 16:30 CET cut-off time). Because it is past the cut-off time, Adyen will process this on the following business day. The funds will be available in the recipient's account on the next business day (one business day from the date of the initiation).

### Tab: US recipient

Suppose you need to make a bank to a US recipient. Depending on when you initiate the , the funds will be available the next business day or the day after the next business day.

1. You initiate the with a **regular** priority at **01:30 AM ET** (15 minutes before the 01:45 AM ET cut-off time). Adyen processes this , and the recipient will receive the funds on the same business day.
2. You initiate the with a **regular** priority at **02:30 AM ET** (45 minutes after the 01:45 AM ET cut-off time). Because it is past the cut-off time, Adyen will process this at the end of the business day. The funds will be available in the recipient's account on the next business day. For example, a initiated at 02:30 AM ET on a Tuesday will have the funds available in the beneficiary's bank account at approximately 09:00 AM ET on Wednesday.

**

#### Cut-off times by location, currency, and priority

| Country/region                                                                                                        | Currency | Priority | Cut-off time | Local timezone | Settlement delay | Min amount | Max amount       |
| --------------------------------------------------------------------------------------------------------------------- | -------- | -------- | ------------ | -------------- | ---------------- | ---------- | ---------------- |
| Australia                                                                                                             | AUD      | Wire     | 15:00        | AEDT           | Same day         | 0.01       | 999,999,999.99   |
| Australia                                                                                                             | AUD      | Regular  | 17:15        | AEDT           | Same day         | 0.01       | 999,999,999.99   |
| Australia                                                                                                             | AUD      | Fast     | 23:15        | AEDT           | Same day         | 0.01       | 5,000,000.00     |
| Bulgaria                                                                                                              | BGN      | Wire     | 10:45        | CET            | Same day         | 1.00       | 999,999,999.99   |
| Bulgaria                                                                                                              | BGN      | Regular  | 10:45        | CET            | Same day         | 1.00       | 99,999.99        |
| Canada                                                                                                                | CAD      | Regular  | 17:45        | ET             | Same day         | 1.00       | 999,999.99       |
| Canada                                                                                                                | USD      | Regular  | 02:00        | ET             | Same day         | 1.00       | 999,999.99       |
| Czechia                                                                                                               | CZK      | Wire     | 12:00        | CET            | Same day         | 0.01       | 999,999,999.99   |
| Czechia                                                                                                               | CZK      | Regular  | 12:00        | CET            | Same day         | 0.01       | 999,999,999.99   |
| Denmark                                                                                                               | DKK      | Wire     | 14:45        | CET            | Same day         | 1.00       | 999,999,999.99   |
| Denmark                                                                                                               | DKK      | Regular  | 10:15        | CET            | Same day         | 1.00       | 39,999,999.99    |
| Hong Kong                                                                                                             | HKD      | Wire     | 14:45        | HKT            | Same day         | 1.00       | 999,999,999.99   |
| Hong Kong                                                                                                             | USD      | Wire     | 14:45        | HKT            | Same day         | 1.00       | 999,999,999.99   |
| Hong Kong                                                                                                             | HKD      | Regular  | 15:45        | HKT            | Same day         | 1.00       | 999,999,999.99   |
| Hungary                                                                                                               | HUF      | Regular  | 13:00        | CET            | Same day         | 1.00       | 999,999,999.99   |
| New Zealand                                                                                                           | NZD      | Wire     | 15:30        | NZST           | Same day         | 0.01       | 999,999,999.99   |
| New Zealand                                                                                                           | NZD      | Regular  | 18:30        | NZST           | Same day         | 0.01       | 999,999,999.99   |
| Norway                                                                                                                | NOK      | Wire     | 14:00        | CET            | Same day         | 1.00       | 999,999,999.99   |
| Norway                                                                                                                | NOK      | Regular  | 14:00        | CET            | Same day         | 1.00       | 10,000,000.00    |
| Poland                                                                                                                | PLN      | Wire     | 10:50        | CET            | Same day         | 0.01       | 999,999,999.99   |
| Poland                                                                                                                | PLN      | Regular  | 10:30        | CET            | Same day         | 0.01       | 999,999,999.99   |
| Romania                                                                                                               | RON      | Wire     | 10:15        | CET            | Same day         | 0.50       | 999,999,999.99   |
| Romania                                                                                                               | RON      | Regular  | 10:15        | CET            | Same day         | 0.50       | 50,000.00        |
| [SEPA](https://finance.ec.europa.eu/consumer-finance-and-payments/payment-services/single-euro-payments-area-sepa_en) | EUR      | Wire     | 16:55        | CET            | Same day         | 0.01       | 999,999,999.99   |
| [SEPA](https://finance.ec.europa.eu/consumer-finance-and-payments/payment-services/single-euro-payments-area-sepa_en) | EUR      | Regular  | 15:45        | CET            | Same day         | 0.01       | 999,999,999.99   |
| [SEPA](https://finance.ec.europa.eu/consumer-finance-and-payments/payment-services/single-euro-payments-area-sepa_en) | EUR      | Instant  | 24/7         | CET            | Same day         | 0.01       | 100,000.00       |
| Singapore                                                                                                             | SGD      | Wire     | 16:45        | SGT            | Same day         | 1.00       | 999,999,999.99   |
| Singapore                                                                                                             | SGD      | Regular  | 18:15        | SGT            | Next day         | 1.00       | 90,000,000.00    |
| Singapore                                                                                                             | SGD      | Fast     | 23:45        | SGT            | Same day         | 1.00       | 200,000.00       |
| Sweden                                                                                                                | SEK      | Wire     | 15:30        | CET            | Same day         | 1.00       | 999,999,999.99   |
| Sweden                                                                                                                | SEK      | Regular  | 12:00        | CET            | Same day         | 1.00       | 999,999,999.99   |
| Switzerland                                                                                                           | CHF      | Wire     | 15:45        | CET            | Same day         | 0.01       | 999,999,999.99   |
| Switzerland                                                                                                           | CHF      | Regular  | 11:45        | CET            | Same day         | 0.01       | 100,000,000.00   |
| United Kingdom                                                                                                        | GBP      | Wire     | 15:15        | GMT            | Same day         | 0.01       | 999,999,999.99   |
| United Kingdom                                                                                                        | GBP      | Regular  | 19:30        | GMT            | T+2              | 0.01       | 20,000,000.00    |
| United Kingdom                                                                                                        | GBP      | Fast     | 21:00        | GMT            | Same day         | 0.01       | 1,000,000.00     |
| United States                                                                                                         | USD      | Wire     | 18:30        | ET             | Same day         | 0.01       | 9,999,999,999.99 |
| United States                                                                                                         | USD      | Regular  | 01:45        | ET             | Same day         | 0.01       | 99,999,999.99    |
| United States                                                                                                         | USD      | Fast     | 16:15        | ET             | Same day         | 0.01       | 1,000,000.00     |
| United States                                                                                                         | USD      | Instant  | 24/7         | ET             | Same day         | 0.01       | 1,000,000.00     |

## Bank account identification types and supported priorities

When transferring funds to a third-party bank account, you need to provide the `accountIdentification.type` in your API request. The type also determines the required bank account details.

1. To determine the `accountIdentification.type` value, you must have:

   * The location of the recipient bank account.
   * The currency of the funds you are transferring.

2. Find the combination in the table below and select the `type` to see the required fields.

This combination also identifies if you are doing a local or cross-border transfer. Cross-border transfers must be sent as wire transfers, and you must include the address of the bank account owner.

[]()

The following table show the limits for the length and the characters you can use in the descriptions based on the country/region, currency and priority.

## Supported countries, currencies, and priorities

See the following overview of supported countries, currencies, priorities, and bank account formats for bank details. Depending on the country or region, users can provide their bank details using the default bank account format or a custom value.

### Tab: Europe

| Country/region of counterparty                                                                                                                              | Currency | Supported priority   | Transfer description limits                                                            | Bank account formats                                                                                                                                                                                                                                                                                                                           |
| ----------------------------------------------------------------------------------------------------------------------------------------------------------- | -------- | -------------------- | -------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [Single Euro Payments Area (SEPA) countries](https://finance.ec.europa.eu/consumer-finance-and-payments/payment-services/single-euro-payments-area-sepa_en) | EUR      | regular instant wire | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification)                                                                                                                                                                           |
| Czech Republic                                                                                                                                              | CZK      | regular              | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) Custom [czLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-CZLocalAccountIdentification) |
| Denmark                                                                                                                                                     | DKK      | regular wire         | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [dkLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-DKLocalAccountIdentification) Custom [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) |
| Hungary                                                                                                                                                     | HUF      | regular              | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) Custom [huLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-HULocalAccountIdentification) |
| Norway                                                                                                                                                      | NOK      | regular wire         | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [noLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-NOLocalAccountIdentification) Custom [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) |
| Poland                                                                                                                                                      | PLN      | regular wire         | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [plLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-PLLocalAccountIdentification) Custom [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) |
| Romania                                                                                                                                                     | RON      | regular wire         | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification)                                                                                                                                                                           |
| Sweden                                                                                                                                                      | SEK      | regular wire         | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [seLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-SELocalAccountIdentification) Custom [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) |
| Switzerland                                                                                                                                                 | CHF      | regular wire         | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification)                                                                                                                                                                           |
| United Kingdom                                                                                                                                              | GBP      | regular fast wire    | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [ukLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-UKLocalAccountIdentification) Custom [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) |

### Tab: North America

| Country/region of counterparty | Currency | Supported priority        | Transfer description limits                                                                                                                                                                                                         | Bank account formats                                                                                                                                                                                                                                                                                                                                 |
| ------------------------------ | -------- | ------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Canada                         | CAD, USD | regular                   | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space`                                                                                                                                              | Default [caLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-CALocalAccountIdentification) Custom [usLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-USLocalAccountIdentification) |
| United States                  | USD      | regular fast instant wire | Maximum 140 characters. Allowed characters for **regular** and **fast** priority: `[a-z][A-Z][0-9]& $ % # @ ~ = + - _ ' " ! ?` Allowed characters for **instant** and **wire** priority: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [usLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-USLocalAccountIdentification)                                                                                                                                                                           |

### Tab: Asia Pacific

| Country/region of counterparty | Currency | Supported priority | Transfer description limits                                                            | Bank account formats                                                                                                                                                       |
| ------------------------------ | -------- | ------------------ | -------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Australia                      | AUD      | regular fast wire  | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [auLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-AULocalAccountIdentification) |
| Hong Kong                      | HKD, USD | regular wire       | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [hkLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-HKLocalAccountIdentification) |
| New Zealand                    | NZD      | regular wire       | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [nzLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-NZLocalAccountIdentification) |
| Singapore                      | SGD      | regular fast wire  | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space` | Default [sgLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-SGLocalAccountIdentification) |

### Tab: Cross-border

| Country/region of counterparty                                                   | Currency      | Supported priority | Transfer description limits                                                                               | Type and other requirements                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| -------------------------------------------------------------------------------- | ------------- | ------------------ | --------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Countries/regions where IBAN is required                                         | EUR, GBP, USD | crossBorder        | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space` | - Type: [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) - [address](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountHolder-address) of the bank account owner                                                                                                                                                                                 |
| Countries/regions where IBAN is optional (for example, Poland or Czech Republic) | EUR, GBP, USD | crossBorder        | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space` | - Type: [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification) or [numberAndBic](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-NumberAndBicAccountIdentification) - [address](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountHolder-address) of the bank account owner |
| Other countries/regions not listed above                                         | EUR, GBP, USD | crossBorder        | Maximum 140 characters. Allowed characters: `[a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space` | - Type: [numberAndBic](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-NumberAndBicAccountIdentification) - [address](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountHolder-address) of the bank account owner                                                                                                                                                                 |

## Next steps

Keep track of Adyen business account transactions using webhooks or by making an API request.

[required](/business-accounts/third-party-transfer-webhooks)

[Get updates through webhooks](/business-accounts/third-party-transfer-webhooks)

[Find out which webhooks Adyen sends for incoming and outgoing transactions.](/business-accounts/third-party-transfer-webhooks)

[Use an API to get updates](/business-accounts/transactions)

[Send API requests to query bank transactions.](/business-accounts/transactions)
