---
title: "Getting paid"
description: "Learn how to send the funds from payments processed with Adyen to your bank account."
url: "https://docs.adyen.com/payouts/payout-service/getting-paid"
source_url: "https://docs.adyen.com/payouts/payout-service/getting-paid.md"
canonical: "https://docs.adyen.com/payouts/payout-service/getting-paid"
last_modified: "2024-06-06T10:54:00+02:00"
language: "en"
---

# Getting paid

Learn how to send the funds from payments processed with Adyen to your bank account.

[View source](/payouts/payout-service/getting-paid.md)

##### Send funds to third parties

You can also pay out funds to [third-party bank accounts](/payouts/payout-service/pay-out-to-bank-accounts) and [cards](/payouts/payout-service/pay-out-to-cards).

The funds from the payments that Adyen processes for you are sent from your merchant account to your balance platform. In your balance platform, the funds are held in your balance account until you pay them out to your [transfer instrument](#payout-account).

You can pay out your funds in two ways:

* [On a schedule](/payouts/payout-service/getting-paid/scheduled-payouts): you set up a schedule that automatically triggers the payout based on timing and amount.
* [On demand](/payouts/payout-service/getting-paid/on-demand-payouts): you pay out when needed, outside of the automatic scheduled payouts.

Scheduled and on-demand payouts move funds from your balance account to your transfer instrument.

## Payout account

The bank account where your company receives payouts is known as a payout account. Your payout account is a type of transfer instrument that you can manage in the Customer Area.

### Add a payout account

You can create payout accounts for your company in the Customer Area. Use this to create your first payout account, or add payout accounts in additional currencies.

To add a payout account:

1. Log in to your [Customer Area](https://ca-test.adyen.com/).
2. Navigate to **Finance > Payout accounts**
3. Select **Add payout account**.
4. Select your prefered verification method to either log in to your bank, or enter it manually alongside a bank statement

Adyen makes the payout account available as soon as it passes verification. If you logged in with your bank, verification happens instantly. You can use the payout account when its status is **valid**.

### Edit or remove a payout account

To manage your payout accounts:

1. Log in to your [Customer Area](https://ca-test.adyen.com/).
2. Navigate to **Finance > Payout accounts**
3. Find the payout account you want to change and select the **Remove** or **Edit** from the dropdown.

Edits to transfer instruments take effect instantly. When you delete a transfer instrument, it stops receiving payouts. If you need restore the same account, [create a new transfer instrument](#add-a-payout-account). [Scheduled](/payouts/payout-service/getting-paid/scheduled-payouts) or [on-demand](/payouts/payout-service/getting-paid/on-demand-payouts) payouts that use the deleted ID will fail.

You cannot undo the deletion of a transfer instrument. If you want to rotate payout accounts, [add the new transfer instrument](#add-a-payout-account) first. Then, update the managed/custom payout schedule or on-demand payouts that used the old transfer instrument ID. Finally, after you verify the new transfer instrument is receiving funds, delete the old one.

## Payout priority

You can specify how fast you want the funds to arrive to your user's account by setting a priority in the payouts request or schedule. A payouts 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.

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

  When using Cross-border priority, payouts 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.

## Payout 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 payouts 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     |

## Supported countries/regions

You can pay out to a transfer instrument in the following locations.

| Europe |   |
| ------ | - |

Austria\
Belgium\
Bulgaria\
Croatia\
Cyprus\
Czech Republic\
Denmark\
Estonia\
Finland\
France\
Germany\
Gibraltar\
Greece\
Guernsey[1](#fn1)\
Hungary\
Ireland\
Italy\
Latvia\
Liechtenstein\
Lithuania\
Luxembourg\
Malta\
Netherlands\
Norway\
Poland\
Portugal\
Romania\
Slovakia\
Slovenia\
Spain\
Sweden\
Switzerland\
United Kingdom (including Channel Islands and Isle of Man)[1](#fn1)

| North America |   |
| ------------- | - |

Canada\
United States (including\
Puerto Rico)

| Asia Pacific |   |
| ------------ | - |

Australia\
Hong Kong\
New Zealand\
Singapore

[]()1 In-person payments and store creation are not supported in the Channel Islands and Isle of Man

## Payout types

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

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**.

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

### Local payouts

Adyen supports local payouts in all [supported countries and regions](#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 supports cross-border payouts. For example, a payout in CZK to a bank account in Slovakia. As *exceptions*, we do not support USD payouts to US bank accounts if your legal entity is located in Canada or Hong Kong.

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 country of your legal entity.

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

## Supported countries, currencies, and priorities

See the following overview of supported countries, currencies, priorities, and bank account formats. You can select a custom value for your transfer instrument.

### 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                                                                                                                                                                 |

## 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](/payouts/payout-service/getting-paid/scheduled-payouts)

[Create a schedule for automatic payouts.](/payouts/payout-service/getting-paid/scheduled-payouts)

[Pay out on demand](/payouts/payout-service/getting-paid/on-demand-payouts)

[Initiate an off-schedule payout.](/payouts/payout-service/getting-paid/on-demand-payouts)

[Get updates through webhooks](/payouts/payout-service/getting-paid/payout-webhooks)

[Listen to webhooks to know about funds movements.](/payouts/payout-service/getting-paid/payout-webhooks)
