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 |
---|
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.
- 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 |
---|
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.