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:

EUR payouts in locations that are part of the Single Euro Payments Area (SEPA) but not the eurozone.
USD payouts in Canada.

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
Single Euro Payments Area (SEPA) countries	EUR	regular, instant, 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
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
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
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
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.

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.
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.

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.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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.

Next steps

Get transfer routes

Learn how to get the optimal routes for external fund transfers.

Make a payout request

Pay out your funds to a third-party bank account using the Transfers API.

Get updates through webhooks

Listen to webhooks to know about funds movements.

Pay out to bank accounts

Supported locations, currencies, and priorities

Europe

North America

Asia Pacific

Cross-border

Transfer priority

Transfer routes

Transfer cut-off times

Example cut-off times for a transfer to a recipient in the SEPA area

Example cut-off times for a transfer to a US recipient

Cut-off times by location, currency, and transfer priority

Transfer statement description

Europe

Bulgaria

Czech Republic

Denmark

Norway

Poland

Romania

Single Euro Payments Area

Sweden

Switzerland

United Kingdom

North America

Canada

United States

Asia Pacific

Australia

Hong Kong

New Zealand

Singapore

Next steps