---
title: "Bank Transfer"
description: "Offer bank transfers to collect high ATV or invoice payments."
url: "https://docs.adyen.com/payment-methods/bank-transfer"
source_url: "https://docs.adyen.com/payment-methods/bank-transfer.md"
canonical: "https://docs.adyen.com/payment-methods/bank-transfer"
last_modified: "2026-06-01T15:33:15+02:00"
language: "en"
---

# Bank Transfer

Offer bank transfers to collect high ATV or invoice payments.

[View source](/payment-methods/bank-transfer.md)

Some shoppers may prefer to pay an invoice or high-value transaction by initiating a bank transfer at their convenience. You can enable that for both B2B and B2C transactions by adding Bank Transfer as a payment method to your integration.

Bank transfers are a low-cost, asynchronous way to pay. This is how it works:

1. On your checkout, the shopper selects the Bank Transfer payment option.
2. In the response to your payment request, you receive a unique virtual bank account number, together with other payment details that are required for a bank transfer in the shopper's country/region.
3. Your checkout shows the virtual bank account number and the other required details.
4. The shopper copies these details, and then in their (online or mobile) banking environment initiates a bank transfer specifying these details.\
   The payment status remains **Open** until Adyen receives the funds on the virtual bank account.
5. When we receive the funds, we send a webhook message to inform you.
6. You inform the shopper (for example, by email) that the payment is received, and you fulfill the order.

Note that if the shopper selects the Bank Transfer payment option on your checkout, you need to show clear instructions for how to complete the payment and when the order will be delivered.

| Payment type  | Payment flow      | Countries     | Currencies | [Recurring](/online-payments/tokenization)                           | [Refunds](/online-payments/refund)                           | [Partial refunds](/online-payments/refund/#refund-a-payment) | [Multiple partial refunds](/online-payments/refund)          | [Separate captures](/online-payments/capture) | [Partial captures](/online-payments/capture/#partial-capture) | [Multiple partial captures](/online-payments/capture/#multiple-partial-captures) | [Chargebacks](/risk-management/chargeback-guidelines) |
| ------------- | ----------------- | ------------- | ---------- | -------------------------------------------------------------------- | ------------------------------------------------------------ | ------------------------------------------------------------ | ------------------------------------------------------------ | --------------------------------------------- | ------------------------------------------------------------- | -------------------------------------------------------------------------------- | ----------------------------------------------------- |
| Bank transfer | Additional action | International | EUR        | ![checkmark](/user/data/smileys/emoji/white_check_mark.png) See note | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![checkmark](/user/data/smileys/emoji/white_check_mark.png)  | ![x](/user/data/smileys/emoji/x.png)          | ![x](/user/data/smileys/emoji/x.png)                          | ![x](/user/data/smileys/emoji/x.png)                                             | ![x](/user/data/smileys/emoji/x.png)                  |

## How do you want to integrate?

Bank Transfer is currently supported for API-only integrations.

[![This is the API only icon.](/user/pages/reuse/image-library/01.icons/api-only/checkout-api-only.svg?decoding=auto\&fetchpriority=auto)](/payment-methods/bank-transfer/api-only)

###### [API only](/payment-methods/bank-transfer/api-only)

[Build your own UI for Bank Transfer in your website, iOS or Android app.](/payment-methods/bank-transfer/api-only)
