---
title: "Custom payouts"
description: "Pay out your user's funds to their verified bank account."
url: "https://docs.adyen.com/platforms/custom-payouts"
source_url: "https://docs.adyen.com/platforms/custom-payouts.md"
canonical: "https://docs.adyen.com/platforms/custom-payouts"
last_modified: "2024-06-06T10:54:00+02:00"
language: "en"
---

# Custom payouts

Pay out your user's funds to their verified bank account.

[View source](/platforms/custom-payouts.md)

##### Send funds to third parties

Offer Adyen [business accounts](/business-accounts) to your users so they can [transfer funds to third-party bank accounts](/business-accounts/send-funds).

Additional [verification requirements](/platforms/verification-requirements?tab=business-accounts_1) apply.

While [managed payouts](/platforms/managed-payouts) offer an optimized, hands-off experience, custom payouts give you full control over when and how funds move. This solution is ideal if you want specific settlement waiting periods, fixed payout cadences, or the ability to trigger payouts programmatically using API requests.

You can implement custom payouts in the following ways:

* [Configure custom settlement delay](/platforms/custom-payouts/configure-settlement-delay): Adjust the waiting period for funds to become available for payout. This allows you to align the availability of funds with your platform's specific risk or operational requirements before a payout is triggered.
* [Configure custom payout schedules](/platforms/custom-payouts/scheduled-payouts): You can set up an automatic payout schedule based on the timing and the amount held in their balance account.
* [Pay out on demand](/platforms/custom-payouts/on-demand-payouts): You can pay out when needed, on top of or instead of the scheduled payouts.

Scheduled custom and on-demand payouts are bank transfer requests that move funds from your user's balance account to their bank account.

## Requirements

Before you begin, take into account the following requirements:

| Requirement                                                               | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                |
| ------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Integration type**                                                      | You must have an Adyen for Platforms integration.                                                                                                                                                                                                                                                                                                                                                                                                          |
| **[API credential roles](/development-resources/api-credentials/roles/)** | Your API credential for the [Transfers API](https://docs.adyen.com/api-explorer/transfers/latest/overview) must have the following [role](/platforms/manage-access/webservice-roles?tab=transfers_2):- **TransferService Webservice Initiate role**                                                                                                                                                                                                        |
| **[Customer Area roles](/account/user-roles)**                            | You must have the following role:- **Initiate payouts to transfer instruments**                                                                                                                                                                                                                                                                                                                                                                            |
| **[Webhooks](/development-resources/webhooks)**                           | To track fund movements in your platform, you can subscribe to the following webhooks:- [Transfer webhooks](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/overview)
- [Transaction webhooks](https://docs.adyen.com/api-explorer/transaction-webhooks/latest/overview)                                                                                                                                                                      |
| **[Capabilities](/platforms/verification-overview/capabilities)**         | Make sure that the user has the following capability:- **sendToTransferInstrument**                                                                                                                                                                                                                                                                                                                                                                        |
| **Setup steps**                                                           | Before you begin:- Make sure that the account holder and transfer instrument are linked to the same legal entity.
- If you want to receive both local and cross-border payouts on the same bank account, you must create two transfer instrument for the account. One transfer instrument must have a local `accountIdentification.type`, for example, **seLocal**. The other transfer instrument must have `accountIdentification.type` **numberAndBic**. |

## Payout types

Adyen supports both local (within the same country and currency) and cross-border payouts.

### Local payouts

Adyen supports local payouts to your users in all [supported countries and regions](/platforms/#supported-countriesregions). Local payouts can be processed by the local clearing system in the beneficiary's country. For example, USD in the United States and AUD in Australia.

The following priorities are supported for local payouts:

* **fast**
* **instant**
* **regular**
* **wire**

### Cross-border payouts

Adyen also supports cross-border payouts. For example, a payout in CZK to a bank account in Slovakia. There are two exceptions:

* We do not support USD payouts to Canadian users with a US bank account.
* We do not support USD payouts to Hong Kong users with a US bank account.

Cross-border payouts are subject to various limitations since they may need to be processed through a network of correspondent banks. These limitations can include:

* The arrival time of the payout cannot be guaranteed.
* The payout is subject to lifting fees by the different correspondent banks.
* Geographic restrictions when using a bank account that is not in the user's country of residence. For example, when using hosted onboarding, users can only add a non-domestic bank account if they are a resident of the EU/EEA, Switzerland, or the UK.

Note that the only priority supported for cross-border payouts is **crossBorder**.

For a cross-border payout, make a POST [/transfers](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers) request with `accountIdentification.type` [NumberAndBicAccountIdentification](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-NumberAndBicAccountIdentification) and the user's account number/IBAN and BIC.

## Payout 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   |   | 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 |   | Default [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification)                                                                                                                                                                           |
| Czech Republic                                                                                                                                              | CZK      | regular              |   | 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         |   | 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              |   | 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         |   | 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         |   | 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         |   | Default [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification)                                                                                                                                                                           |
| Sweden                                                                                                                                                      | SEK      | regular wire         |   | 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         |   | Default [iban](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-IbanAccountIdentification)                                                                                                                                                                           |
| United Kingdom                                                                                                                                              | GBP      | regular fast wire    |   | 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        |   | Bank account formats                                                                                                                                                                                                                                                                                                                                 |
| ------------------------------ | -------- | ------------------------- | - | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Canada                         | CAD, USD | regular                   |   | 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 |   | 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 |   | Bank account formats                                                                                                                                                       |
| ------------------------------ | -------- | ------------------ | - | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Australia                      | AUD      | regular fast wire  |   | Default [auLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-AULocalAccountIdentification) |
| Hong Kong                      | HKD, USD | regular wire       |   | Default [hkLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-HKLocalAccountIdentification) |
| New Zealand                    | NZD      | regular wire       |   | Default [nzLocal](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-NZLocalAccountIdentification) |
| Singapore                      | SGD      | regular fast wire  |   | 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                                                                                                                                                                 |

## Transfer cut-off times

There are specific times during a business day, called **cut-off times**, when Adyen stops processing payouts for settlement within the settlement delay. Payouts 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 payout to a recipient in the SEPA. Depending on when you initiate the payout, the funds will be available the same business day or the next business day.

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

### Tab: US recipient

Suppose you need to make a payout to a US recipient.

1. You initiate the payout with a **regular** priority at **01:30 AM ET** (15 minutes before the 01:45 AM ET cut-off time). Adyen processes this payout, and the recipient will receive the funds on the same business day.
2. You initiate the payout 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 payout 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 payout initiated at 02:30 AM ET on a Tuesday will have the funds available in the beneficiary's bank account at approximately 9:00 AM ET on Wednesday.

**

#### Cut-off times by location, currency, and payout 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     |

## Transfer priority

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

* **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.

## Testing

To test the payout flow, make a POST [/transfers](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers) request, where the currency and priority of the transfer request matches the values shown in the following tables.

### Tab: Successful flow

To test a successful payout, use the following counterparty bank account details for the country/region.

Only use these bank account details in your TEST environment.

| Country/region | Counterparty bank account details                                        | Currency | Priority |
| -------------- | ------------------------------------------------------------------------ | -------- | -------- |
| AU             | Account #: 102201111, BSB #: 012951                                      | AUD      | regular  |
|                | Account #: 102201111, BSB #: 012951                                      | AUD      | wire     |
|                | Account #: 102201111, BSB #: 012951                                      | AUD      | fast     |
|                | Account #: 102201111, BSB #: 012951                                      | AUD      | cashout  |
| CA             | Account #: 10220001111, INST #: 004, TRN #: 00012                        | CAD      | regular  |
|                | Account #: 10220001111, INST #: 004, TRN #: 00012                        | CAD      | wire     |
| DE             | IBAN: DE14100100109876543210                                             | EUR      | regular  |
|                | IBAN: DE14100100109876543210                                             | EUR      | instant  |
|                | IBAN: DE14100100109876543210                                             | EUR      | wire     |
|                | IBAN: DE14100100109876543210                                             | EUR      | cashout  |
| ES             | IBAN: ES2100490000000000000000                                           | EUR      | regular  |
|                | IBAN: ES9021034677010000000000                                           | EUR      | instant  |
|                | IBAN: ES9021034677010000000000                                           | EUR      | wire     |
|                | IBAN: ES9021034677010000000000                                           | EUR      | cashout  |
| FR             | IBAN: FR6410096000403534259742Y90                                        | EUR      | regular  |
|                | IBAN: FR6410096000403534259742Y90                                        | EUR      | instant  |
|                | IBAN: FR6410096000403534259742Y90                                        | EUR      | wire     |
|                | IBAN: FR6410096000403534259742Y90                                        | EUR      | cashout  |
| GB             | Account #: 50000000, Sort code: 202678 IBAN: GB66BUKB20267850000000      | GBP      | regular  |
|                | Account #: 50000000, Sort code: 202678 IBAN: GB66BUKB20267850000000      | GBP      | wire     |
|                | Account #: 50000000, Sort code: 202678 IBAN: GB66BUKB20267850000000      | GBP      | fast     |
| HK             | Account #: 790000000, ClearingCode #: 250                                | HKD      | regular  |
|                | Account #: 790000000, ClearingCode #: 250                                | HKD      | wire     |
| IT             | IBAN: IT58A0300203280198574967934                                        | EUR      | regular  |
|                | IBAN: IT58A0300203280198574967934                                        | EUR      | instant  |
|                | IBAN: IT58A0300203280198574967934                                        | EUR      | wire     |
|                | IBAN: IT58A0300203280198574967934                                        | EUR      | cashout  |
| IR             | Account #: 12345678, Sort code: 931152 IBAN: IE29AIBK93115212345678      | EUR      | regular  |
|                | Account #: 12345678, Sort code: 931152 IBAN: IE29AIBK93115212345678      | EUR      | instant  |
|                | Account #: 12345678, Sort code: 931152 IBAN: IE29AIBK93115212345678      | EUR      | wire     |
|                | Account #: 12345678, Sort code: 931152 IBAN: IE29AIBK93115212345678      | EUR      | cashout  |
| NL             | IBAN: NL57INGB4654188101                                                 | EUR      | regular  |
|                | IBAN: NL57INGB4654188101                                                 | EUR      | instant  |
|                | IBAN: NL57INGB4654188101                                                 | EUR      | wire     |
|                | IBAN: NL57INGB4654188101                                                 | EUR      | cashout  |
| NZ             | Account #: 010001011111601                                               | NZD      | regular  |
|                | Account #: 010001011111601                                               | NZD      | wire     |
| PL             | Account #: 61109010140000071219812874                                    | PLN      | regular  |
|                | Account #: 61109010140000071219812874 IBAN: PL61109010140000071219812874 | PLN      | wire     |
| SG             | Account #: 9999, BIC #: CITISGSG                                         | SGD      | regular  |
|                | Account #: 9999, BIC #: CITISGSG                                         | SGD      | wire     |
|                | Account #: 9999, BIC #: CITISGSG                                         | SGD      | fast     |
| US             | Account #: 10220001111, Routing #: 121000248                             | USD      | regular  |
|                | Account #: 10220001111, Routing #: 121000248                             | USD      | instant  |
|                | Account #: 10220001111, Routing #: 121000248                             | USD      | wire     |
|                | Account #: 10220001111, Routing #: 121000248                             | USD      | cashout  |

### Tab: Unsuccessful flow

To test a unsuccessful payout, use the following counterparty bank account details. The reason code shows why the payout was unsuccessful.

| Country/region | Counterparty bank account details                                        | Currency | Priority | Scenario | Reason code                   |
| -------------- | ------------------------------------------------------------------------ | -------- | -------- | -------- | ----------------------------- |
| AU             | Account #: 102202222, BSB #: 012951                                      | AUD      | regular  | return   | `counterpartyAccountNotFound` |
|                | Account #: 102203333, BSB #: 012951                                      | AUD      | regular  | return   | `counterpartyAccountClosed`   |
|                | Account #: 102204444, BSB #: 012951                                      | AUD      | regular  | return   | `refusedByCounterpartyBank`   |
|                | Account #: 102202222, BSB #: 012951                                      | AUD      | fast     | return   | `counterpartyAccountNotFound` |
|                | Account #: 102203333, BSB #: 012951                                      | AUD      | fast     | return   | `counterpartyAccountClosed`   |
|                | Account #: 102204444, BSB #: 012951                                      | AUD      | fast     | return   | `refusedByCounterpartyBank`   |
|                | Account #: 102204444, BSB #: 012951                                      | AUD      | wire     | return   | `refusedByCounterpartyBank`   |
| CA             | Account #: 10220002222, INST #: 004, TRN #: 00012                        | CAD      | regular  | return   | `counterpartyAccountNotFound` |
|                | Account #: 10220003333, INST #: 004, TRN #: 00012                        | CAD      | regular  | return   | `counterpartyAccountClosed`   |
|                | Account #: 10220004444, INST #: 004, TRN #: 00012                        | CAD      | regular  | return   | `refusedByCounterpartyBank`   |
|                | Account #: 10220004444, INST #: 004, TRN #: 00012                        | CAD      | wire     | return   | `refusedByCounterpartyBank`   |
| DE             | IBAN: DE40500105176741865359                                             | EUR      | regular  | return   | `counterpartyAccountNotFound` |
|                | IBAN: DE40500105176741865359                                             | EUR      | wire     | return   | `counterpartyAccountNotFound` |
| GB             | Account #: 10100007, SC: 401199                                          | GBP      | regular  | return   | `refusedByCounterpartyBank`   |
|                | Account #: 50000044, SC: 202678 IBAN: GB42BUKB20267850000044             | GBP      | fast     | return   | `refusedByCounterpartyBank`   |
|                | Account #: 10100007, SC: 401199 IBAN: GB47HBUK40119910100007             | GBP      | wire     | return   | `refusedByCounterpartyBank`   |
|                | Account #: 50000044, SC: 202678 IBAN: GB42BUKB20267850000044             | GBP      | instant  | return   | `refusedByCounterpartyBank`   |
| HK             | Account #: 060000000, ClearingCode #: 004                                | HKD      | regular  | return   | `counterpartyBankUnavailable` |
| NL             | IBAN: NL45INGB7537071676                                                 | EUR      | regular  | return   | `counterpartyAccountNotFound` |
|                | IBAN: NL22INGB9001520569                                                 | EUR      | regular  | return   | `counterpartyAccountClosed`   |
|                | IBAN: NL39INGB6686633402                                                 | EUR      | regular  | return   | `refusedByCounterpartyBank`   |
|                | IBAN: NL28INGB3746414123                                                 | EUR      | instant  | failure  | `counterpartyAccountNotFound` |
|                | IBAN: NL56INGB8944467855                                                 | EUR      | instant  | failure  | `counterpartyAccountClosed`   |
|                | IBAN: NL30INGB0170253298                                                 | EUR      | instant  | failure  | `refusedByCounterpartyBank`   |
|                | IBAN: NL06INGB5632579034                                                 | EUR      | instant  | failure  | `counterpartyBankTimedOut`    |
| PL             | Account #: 61109024025846267128455822                                    | PLN      | regular  | return   | `counterpartyAccountNotFound` |
|                | Account #: 93109024027867369726277837                                    | PLN      | regular  | return   | `counterpartyAccountClosed`   |
|                | Account #: 31109024025674778915235831                                    | PLN      | regular  | return   | `refusedByCounterpartyBank`   |
|                | Account #: 31109024025674778915235831 IBAN: PL31109024025674778915235831 | PLN      | wire     | return   | `refusedByCounterpartyBank`   |
| SG             | Account #: 1111, BIC #: CITISGSG                                         | SGD      | regular  | return   | `counterpartyBankUnavailable` |
|                | Account #: 2222, BIC #: CITISGSG                                         | SGD      | regular  | return   | `counterpartyAccountNotFound` |
|                | Account #: 3333, BIC #: CITISGSG                                         | SGD      | regular  | return   | `counterpartyAccountClosed`   |
|                | Account #: 4444, BIC #: CITISGSG                                         | SGD      | regular  | return   | `refusedByCounterpartyBank`   |
|                | Account #: 1111, BIC #: CITISGSG                                         | SGD      | wire     | return   | `counterpartyBankUnavailable` |
|                | Account #: 2222, BIC #: CITISGSG                                         | SGD      | wire     | return   | `counterpartyAccountNotFound` |
|                | Account #: 3333, BIC #: CITISGSG                                         | SGD      | wire     | return   | `counterpartyAccountClosed`   |
|                | Account #: 4444, BIC #: CITISGSG                                         | SGD      | wire     | return   | `refusedByCounterpartyBank`   |
|                | Account #: 1111, BIC #: CITISGSG                                         | SGD      | fast     | return   | `counterpartyBankUnavailable` |
|                | Account #: 2222, BIC #: CITISGSG                                         | SGD      | fast     | return   | `counterpartyAccountNotFound` |
|                | Account #: 3333, BIC #: CITISGSG                                         | SGD      | fast     | return   | `counterpartyAccountClosed`   |
|                | Account #: 4444, BIC #: CITISGSG                                         | SGD      | fast     | return   | `refusedByCounterpartyBank`   |
| US             | Account #: 10220002222, Routing #: 107005432                             | USD      | regular  | return   | `counterpartyAccountNotFound` |
|                | Account #: 10220003333, Routing #: 107005432                             | USD      | regular  | return   | `counterpartyAccountClosed`   |
|                | Account #: 10220004444, Routing #: 107005432                             | USD      | regular  | return   | `refusedByCounterpartyBank`   |
|                | Account #: 10220004444, Routing #: 121000248                             | USD      | wire     | return   | `refusedByCounterpartyBank`   |
|                | Account #: 10220002222, Routing #: 121000248                             | USD      | instant  | failure  | `counterpartyAccountNotFound` |
|                | Account #: 10220003333, Routing #: 121000248                             | USD      | instant  | failure  | `counterpartyAccountClosed`   |
|                | Account #: 10220004444, Routing #: 121000248                             | USD      | instant  | failure  | `counterpartyBankTimedOut`    |
|                | Account #: 10220005555, Routing #: 121000248                             | USD      | instant  | failure  | `refusedByCounterpartyBank`   |

## Next steps

[Pay out on a schedule](/platforms/custom-payouts/scheduled-payouts)

[Create a schedule for automatic payouts to your users.](/platforms/custom-payouts/scheduled-payouts)

[Pay out on demand](/platforms/custom-payouts/on-demand-payouts)

[Initiate an off-schedule payout to your users.](/platforms/custom-payouts/on-demand-payouts)

[Get updates through webhooks](/platforms/payout-webhooks)

[Listen to webhooks to know about funds movements.](/platforms/payout-webhooks)

[Transfer funds internally](/platforms/internal-fund-transfers)

[Move funds between balance accounts in your platform.](/platforms/internal-fund-transfers)
