---
title: "Pay out to bank accounts"
description: "Pay out your funds to a third-party bank account."
url: "https://docs.adyen.com/payouts/payout-service/pay-out-to-bank-accounts"
source_url: "https://docs.adyen.com/payouts/payout-service/pay-out-to-bank-accounts.md"
canonical: "https://docs.adyen.com/payouts/payout-service/pay-out-to-bank-accounts"
last_modified: "2023-11-30T12:07:00+01:00"
language: "en"
---

# Pay out to bank accounts

Pay out your funds to a third-party bank account.

[View source](/payouts/payout-service/pay-out-to-bank-accounts.md)

Adyen supports paying out funds from your [balance account](/payouts/payout-service/account-structure-resources) to third-party bank accounts by using the [Transfers API](https://docs.adyen.com/api-explorer/transfers/latest/overview). You can use this feature to pay out to any third-party bank account holder, such as freelancers or providers.

## Supported locations, currencies, and priorities

Adyen only supports paying out to third parties in local currencies. For example, USD is supported in the United States. There are two exceptions:

* EUR payouts in locations that are part of the [Single Euro Payments Area (SEPA)](https://finance.ec.europa.eu/consumer-finance-and-payments/payment-services/single-euro-payments-area-sepa_en) but not the eurozone.
* USD payouts in Canada.

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

### Tab: North America

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

### Tab: Asia Pacific

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

### Tab: Cross-border

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

## 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 bank transfers:

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

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

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

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

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

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

## Transfer routes

To pay out your funds, Adyen must connect to transfer routes. Transfer routes depend on the parameters that you include in your transfer requests, such as priority, currency, and counterparty's location.

To minimize the risk of transfer failures, we recommend that you [calculate transfer routes](/payouts/payout-service/pay-out-to-bank-accounts/transfer-routes) when:

* You are building your integration and want to understand what transfer routes are available for your use case.
* You plan to make a payout to a specific location or counterparty for the first time.
* You experience repeated issues trying to pay out to a specific location or counterparty.

## Transfer cut-off times

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

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

### Example cut-off times

### Tab: SEPA recipient

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

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

### Tab: US recipient

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

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

**

#### Cut-off times by location, currency, and 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 statement description

A statement description is the text that your users see on their bank statements when they receive payouts, which helps them identify the transaction. Adyen passes the description that you provide to the recipient bank. Most banks show this description in the statement.

To configure a default description for all payouts, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other). You can still override the default description when you send an on-demand payout.

In general, the description must not exceed more than 140 characters. The supported characters may also differ based on the location and priority of the transfer. Refer to the table in the following section for more details.

### Character limits

The following tables show the character limits for each combination of currency and priority that Adyen supports.

### Tab: Europe

#### Bulgaria

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| BGN      | regular         | `description`             | \[A-Z] \[a-z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 35                                         |
|          |                 | `referenceForBeneficiary` | \[A-Z] \[a-z] \[0-9]                           | 80                           | 35                                         |
| BGN      | wire            | `description`             | \[A-Z] \[a-z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[A-Z] \[a-z] \[0-9]                           | 80                           | 140                                        |

#### Czech Republic

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| CZK      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 140                                        |
| CZK      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 140                                        |

#### Denmark

| Currency | Payout priority | API field name            | Allowed characters                                      | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ------------------------------------------------------- | ---------------------------- | ------------------------------------------ |
| DKK      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? ( ) . , = \\! % & \* ; Space | 140                          | 70                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                    | 80                           | 70                                         |
| DKK      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? ( ) . , = \\! % & \* ; Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                    | 80                           | 140                                        |

#### Hungary

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| HUF      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 20                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 20                                         |

#### Norway

| Currency | Payout priority | API field name            | Allowed characters                                      | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ------------------------------------------------------- | ---------------------------- | ------------------------------------------ |
| NOK      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? ( ) . , = \\! % & \* ; Space | 140                          | 25                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                    | 80                           | 25                                         |
| NOK      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? ( ) . , = \\! % & \* ; Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                    | 80                           | 140                                        |

#### Poland

| Currency | Payout priority | API field name            | Allowed characters                                      | Maximum number of characters | Number of characters visible on statements                                                                      |
| -------- | --------------- | ------------------------- | ------------------------------------------------------- | ---------------------------- | --------------------------------------------------------------------------------------------------------------- |
| PLN      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? ( ) . , = \\! % & \* ; Space | 140                          | 0 Adyen accepts a description in the transfer request, but it does not appear in bank statements.               |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                    | 80                           | 0 Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements. |
| PLN      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space          | 140                          | 140                                                                                                             |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                    | 80                           | 140                                                                                                             |

#### Romania

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| RON      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 70                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 70                                         |
| RON      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 140                                        |

#### Single Euro Payments Area (SEPA)

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| EUR      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 35                                         |
| EUR      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 35                                         |
| EUR      | instant         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 0                                          |

#### Sweden

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| SEK      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 11                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 11                                         |
| SEK      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 35                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 35                                         |

#### Switzerland

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements                                                                      |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | --------------------------------------------------------------------------------------------------------------- |
| CHF      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 85                                                                                                              |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 0 Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements. |
| CHF      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 60                                                                                                              |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 0 Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements. |

#### United Kingdom

| Currency | Payout priority | API field name            | Allowed characters                                                      | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ----------------------------------------------------------------------- | ---------------------------- | ------------------------------------------ |
| GBP      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + # = \\! " % & \* ; { } @ Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                                    | 80                           | 18                                         |
| GBP      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space                          | 140                          | 16                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                                    | 80                           | 16                                         |
| GBP      | fast            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space                          | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                                                    | 80                           | 140                                        |

### Tab: North America

#### Canada

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| CAD      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 12                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 12                                         |
| USD      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 12                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 12                                         |

#### United States

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| USD      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 30                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 15                                         |
| USD      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 16                                         |
| USD      | fast            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 30                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 15                                         |
| USD      | instant         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 16                                         |

### Tab: Asia Pacific

#### Australia

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| AUD      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . ,' + Space  | 140                          | 18                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 18                                         |
| AUD      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 35                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 35                                         |
| AUD      | fast            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 280 (Adyen accepts a maximum of 140)       |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 280 (Adyen accepts a maximum of 140)       |

#### Hong Kong

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| HKD      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . ,' + Space  | 140                          | 18                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 18                                         |
| HKD      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 140                                        |
| USD      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 140                                        |

#### New Zealand

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | ------------------------------------------ |
| NZD      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . ,' + Space  | 140                          | 35                                         |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 35                                         |
| NZD      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                        |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 140                                        |

#### Singapore

| Currency | Payout priority | API field name            | Allowed characters                             | Maximum number of characters | Number of characters visible on statements                                                                      |
| -------- | --------------- | ------------------------- | ---------------------------------------------- | ---------------------------- | --------------------------------------------------------------------------------------------------------------- |
| SGD      | regular         | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . ,' + Space  | 140                          | 18                                                                                                              |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 18                                                                                                              |
| SGD      | wire            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 0 Adyen accepts a description in the transfer request, but it does not appear in bank statements.               |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 0 Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements. |
| SGD      | fast            | `description`             | \[a-z] \[A-Z] \[0-9] / - ? : ( ) . , ' + Space | 140                          | 140                                                                                                             |
|          |                 | `referenceForBeneficiary` | \[a-z] \[A-Z] \[0-9]                           | 80                           | 140                                                                                                             |

## Transfer screening

Each transfer on the balance platform is screened by Adyen for regulatory and risk purposes. To decrease the possibility of manual review and processing delays, we highly recommend that you include as much information about the counterparty when you make a transfer.

## Next steps

[Get transfer routes](/payouts/payout-service/pay-out-to-bank-accounts/transfer-routes)

[Learn how to get the optimal routes for external fund transfers.](/payouts/payout-service/pay-out-to-bank-accounts/transfer-routes)

[Make a payout request](/payouts/payout-service/pay-out-to-bank-accounts/bank-payout-request)

[Pay out your funds to a third-party bank account using the Transfers API.](/payouts/payout-service/pay-out-to-bank-accounts/bank-payout-request)

[Get updates through webhooks](/payouts/payout-service/pay-out-to-bank-accounts/payout-webhooks)

[Listen to webhooks to know about funds movements.](/payouts/payout-service/pay-out-to-bank-accounts/payout-webhooks)
