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Pay out to bank accounts

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

Adyen supports paying out funds from your balance account to third-party bank accounts by using the Transfers API. You can use this feature to pay out to any third-party cardholder, 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:

The following accordions show the currencies, priorities, and transfer description limits that are supported in each location.

Country/region of counterparty
Currency
Supported priority
Transfer description limits
Bank account formats
Country/region of counterparty
Currency
Supported priority
Transfer description limits
Bank account formats
Single Euro Payments Area (SEPA) countries EUR regular, instant, wire Maximum 140 characters.
Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space
Default iban
Bulgaria BGN regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default iban
Czech Republic CZK regular Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default iban
Custom czLocal
Denmark DKK regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default dkLocal
Custom iban
Hungary HUF regular Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default iban
Custom huLocal
Norway NOK regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default noLocal
Custom iban
Poland PLN regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default plLocal
Custom iban
Romania RON regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default iban
Sweden SEK regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default seLocal
Custom iban
Switzerland CHF regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default iban
United Kingdom GBP regular, fast, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default ukLocal
Custom iban
Country/region of counterparty
Currency
Supported priority
Transfer description limits
Bank account formats
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
Custom usLocal
United States USD regular, fast, wire Allowed characters:
Priority: regular and fast
[a-z][A-Z][0-9]& $ % # @ ~ = + - _ ' " ! ?
Priority:wire [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space
Default usLocal
Country/region of counterparty
Currency
Supported priority
Transfer description limits
Bank account formats
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
Hong Kong HKD, USD regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default hkLocal
New Zealand NZD regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default nzLocal
Singapore SGD regular, fast, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space Default sgLocal
Country/region of counterparty Currency Supported priority Transfer description limits Type and other requirements
Country/region of counterparty Currency Supported priority Transfer description limits Type and other requirements
Countries/regions where IBAN is required Any crossBorder Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space - Type: iban
- address of the bank account owner
Countries/regions where IBAN is optional
(for example, Poland or Czech Republic)
Any crossBorder Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space - Type: iban or numberAndBic
- address of the bank account owner
Other countries/regions not listed above Any crossBorder Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space - Type: numberAndBic
- address of the bank account owner

Transfer priority

To specify how fast the funds must be sent, you can set a priority in the transfer request. A transfer with a higher priority incurs higher fees. The priorities available for bank transfers are:

  • Regular: recommended for normal, low-value transactions to a recipient in the same location.
  • Instant: instant way to transfer funds in Single Euro Payments Area (SEPA) locations. Has higher fees than a regular payout.
  • Fast: faster than regular but has higher fees. Recommended for high-priority, low-value transactions to a recipient in the same location.
  • Wire: fastest way but has the highest fees. Recommended for high-priority, high-value transactions to a recipient in the same location.
  • Cross-border: recommended for high-value transactions to a recipient in a different location.

    When using cross-border priority, transfer delays and potential fees may occur due to involving correspondent banks. As a result, the beneficiary may receive a reduced amount compared to the one instructed.

  • Internal: transfer to an Adyen-issued business account.

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 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.

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

  1. You initiate the transfer with a wire priority at 16:20 CET (10 minutes before the 16:30 CET cut-off time). Adyen processes this transfer, and the recipient will receive the funds the same business day.
  2. You initiate the transfer 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 transfer 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 transfer initiation).

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

  1. You initiate the transfer with a regular priority at 01:30 ET (15 minutes before the 01:45 ET cut-off time). Adyen processes this transfer, and the recipient will receive the funds on the same business day.
  2. You initiate the transfer with a regular priority at 02:30 ET (45 minutes after the 01:45 ET cut-off time). Because it is past the cut-off time, Adyen will process this transfer 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 transfer initiated at 02:30 ET on a Tuesday will have the funds available in the beneficiary's bank account at approximately 12:00 PM ET on Wednesday.
Country/region Currency Priority Cut-off time Local timezone Settlement delay Min amount Max amount
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
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 EUR Wire 16:55 CET Same day 0.01 999,999,999.99
SEPA EUR Regular 15:45 CET Same day 0.01 999,999,999.99
SEPA 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

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. 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.

Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
BGN regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140

35 1





140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
CZK regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140

140 1





140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
DKK regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? ( ) . , Space = ! % & ; *



[A-Z] [a-z] [0-9] / - ? ( ) . , Space = ! % & ; *


140

140



140

140

70 1





140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
DKK regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? ( ) . , Space = ! % & ; *



[A-Z] [a-z] [0-9] / - ? ( ) . , Space = ! % & ; *


140

140



140

140

25 1





140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
PLN regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140
0

0




140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
RON regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140

70 1





140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
EUR instant





regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140



140

140

140

35



140

35



140

0

Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
SEK regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140

11 1





35 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
CHF regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140
85 1

0



85 1

0
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
GBP fast





regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , \' + Space = ! % & ; < > @ {


[A-Z] [a-z] [0-9] / - ? : ( ) . , \' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , \' + Space

140

140



140

140



140

140

140

18




16 1





140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
CAD




USD
regular




regular

description

referenceForBeneficiary


description

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space


[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140


140


12 1



12 1

Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
USD instant





fast





regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space = ! % & ; < > @ _ \" ` ~ $ #


[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space = ! ; % & < > @ _ \ " \~ $ [ ] * ^ | ? ` { }


[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space = ! ; % & < > @ _ \ " \~ $ [ ] * ^ | ? ` { }


[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space = ! % & ; < > @ _ \ " ` \~ $ #
140

140



140

140



140

140



140

140

140

16



30

15



30

15




140

16

Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
AUD fast





regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary



description

referenceForBeneficiary

[a-z][A-Z][0-9] / - ? :( ) . ,' + Space



[a-z][A-Z][0-9] / - ? :( ) . ,' + Space



[a-z][A-Z][0-9] / - ? :( ) . ,' + Space
140

140



140

140



140

140


280 1





18 1





35 1

Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
HKD regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140

18 1





140 1


USD wire



description

referenceForBeneficiary



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



140

140


140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
NZD regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary

[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space



[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space
140

140



140

140

35 1





140 1
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
Currency Payout priority API field name Allowed characters Maximum character length Character length visible on statements
SGD fast





regular





wire



description

referenceForBeneficiary



description

referenceForBeneficiary



description

referenceForBeneficiary

[a-z][A-Z][0-9] / - ? :( ) . ,' + Space



[a-z][A-Z][0-9] / - ? :( ) . ,' + Space



[a-z][A-Z][0-9] / - ? :( ) . ,' + Space
140

140



140

140



140

140


18 1




0

0




140 1

1 In these regions, the description and referenceForBeneficiary characters are combined and shown in a single field on the bank application or statement. The description appears first. If the character limit is reached, the referenceForBeneficiary is not included.

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