Payment Formatting Guidelines

12.
2016
Version 3.4
Version 3.0
Page 1 of 94
business.westernunion.com
2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential
PAYMENT FORMATTING GUIDELINES
TABLE OF CONTENTS
CURRENCY GUIDELINES ................................................................................. 3
MAXIMIZING THE USE OF THE GUIDELINES .................................................. 3
BBAN / BASIC ACCOUNT NUMBER .................................................................. 4
IBAN / ACCOUNT NUMBER ............................................................................... 4
SWIFT / BIC CODE ............................................................................................. 4
BANK CODE ....................................................................................................... 5
NON-SWIFT BIC ................................................................................................. 5
ADDITIONAL REQUIREMENTS ........................................................................ 5
IBAN & SWIFT CODE COUNTRIES ................................................................... 6
COUNTRY CURRENCIES (BY CURRENCY CODE)

CURRENCIES A - E ............................................................................................ 7
EURO IBAN REQUIREMENTS ......................................................................... 23
CURRENCIES F - K .......................................................................................... 31
CURRENCIES L - Q .......................................................................................... 41
CURRENCIES R - T .......................................................................................... 52
CURRENCIES U - Z .......................................................................................... 59
ADDENDUM 1.1 LOW VALUE QUICK GUIDE.................................................. 64
ADDENDUM 1.2 IBAN QUICK GUIDE .............................................................. 65
ADDENDUM 1.3 CUTOFF GUIDE .................................................................... 67
ADDENDUM 1.4 BEST PRACTICES QUICK GUIDE ........................................ 74
ADDENDUM 1.5 DOCUMENT MODIFICATION HISTORY ............................... 79
Page 2 of 94
CURRENCY GUIDELINES
Below are guidelines based on currency, regarding the formatting of account numbers, in
addition to any other necessary information required by Western Union Business Solutions
and/or the beneficiary institution that may be mandatory to effect payments to the intended
beneficiary. Please note that ALL payments require an account number to accompany the
transaction, the following guide should provide a framework for validating the account number
and that mandatory requirements are satisfied prior to processing.
If additional information is necessary to transfer certain currencies into certain geographical
areas, it will be indicated in the Guide for Specific Country Requirements or the Best Practice
Guide.
When applicable, Low Value Payment guidelines will be provided under the designated
currencies: AUD, CAD, EUR, GBP, HKD, NOK, NZD, SGD and USD.
MAXIMIZING THE USE OF THIS DOCUMENT

When using this document, it is important to verify currency requirements when sending a
foreign currency wire to the specified beneficiary bank country. By doing so Western Union
Business Solutions will be able to continue to seamlessly process all payments while
minimizing any requests for additional payment processing information.
Please be aware that sending exotics cross border you may increase the potential risk of
rejects/return of funds and thus generate an FX loss.
Page 3 of 94
BBAN/BASIC BANK ACCOUNT NUMBER

The Basic Bank Account Number (BBAN) is an identifier that uniquely distinguishes an
individual account, at a specific financial institution, in a particular country. The BBAN includes
a bank identifier of the financial institution servicing that account. The BBAN is implemented by
each national banking community and is comprised of the domestic account number, branch
details and routing information. The BBAN serves as the core of the IBAN.
IBAN/INTERNATIONAL BANK ACCOUNT NUMBER

The International Bank Account Number (IBAN) is an international standard for identifying
bank accounts across national borders.
The IBAN was originally developed to facilitate payments within the European Union but the
format is flexible enough to be applied globally. IBAN imposes a flexible but regular format for
account identification and contains validation information to avoid errors of transcription.
The IBAN's primary purpose is to facilitate cross-border inter-bank routing and avoid routing
errors.
The IBAN consists of a 2 digit country code, followed by two check digits and up to thirty
alphanumeric characters for the domestic bank account number, called the BBAN (Basic Bank
Account Number). It is up to each country's national banking community to decide on the
length of the BBAN for accounts in that country, but its length must be fixed for any given
country. Further specifics regarding different country IBAN lengths and characteristics are
detailed below.
When a country has an established IBAN, Western Union Business Solutions
recommends using the IBAN for payments into these countries regardless of the
currency.
SWIFT/BIC CODE
ISO 9362 (also known as SWIFT-BIC, BIC code, SWIFT ID or SWIFT code) is a standard
format of Bank Identifier Codes approved by the International Organization for Standardization
(ISO). It is the unique identification code of a particular bank. These codes are used when
transferring money between banks, particularly for international wire transfers.
The SWIFT code is 8 or 11 characters, made up of:
4 characters - bank code (only letters)

2 characters - ISO 3166-1 alpha-2 country code (only letters)
2 characters - location code (letters and digits) (if the second character is '1', then it
denotes a passive participant in the SWIFT network)
3 characters - branch code, optional ('XXX' for primary office) (letters and digits)
Where an 8-digit code is given, it may be assumed that it refers to the primary office.
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BANK CODE
A Bank Code is a code assigned by a central bank, a Bank Supervisory Body or a Bankers
Association in a country assigned to all its licensed member banks. The rules vary to great
extent between the countries. Also the name of such a code varies.
EXAMPLES:
United States - Routing Number or ABA Number

Canada - Transit Number
United Kingdom - Sort Code
Australia/New Zealand - BSB Code (Bank State Branch)
India Indian Financial System Code (IFSC)
Hong Kong Hong Kong Branch Code
Singapore Singapore Branch Code
The bank code typically appears on the bottom of negotiable instruments such as checks
identifying the financial institution on which it was drawn.
NON-SWIFT BIC
Non-SWIFT BICs, as defined by the SWIFT Glossary are Business Identifier Codes which
retain a 1 in the eighth spot of the BIC. These are not connected to the SWIFT Network, and
in most instances are not able to be paid directly, with the exception of EUR SEPA payments,
when applicable. In the event that a payment is remitted to an institution which has one of
these BICs, an override SWIFT or correspondent instructions may need to be provided (An
override SWIFT/BIC is an active SWIFT/BIC for an institution that accepts payments on behalf
of the Non-SWIFT BIC through the SWIFT network).
For non-SEPA payments, users should include the Non-SWIFT BIC in the SWIFT Branch
Details field and input the override SWIFT in the beneficiary bank SWIFT address field
For SEPA payments, verification is necessary to determine that the SWIFT/BIC is SEPA
eligible through contacting a Western Union Business Solutions Representative or through
accessing the list of SEPA Credit Transfer participants.
ADDITIONAL REQUIREMENTS
When a beneficiary phone number, contact name at the beneficiary organization, or purpose of
payment are required to effect transactions, this information should always be placed in the
appropriate reference fields. Please be aware that any beneficiary addresses requested for
payments should not be a P.O Box address. Also, note that purpose of payment should be a
brief succinct description of the payment; an invoice number or reference may not satisfy this
requirement.
Additionally, the beneficiary may be required to contact their banking institution and fill out the
necessary paperwork, to expedite receipt of the following funds: COP, PKR, XPF, and ZAR.
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IBAN & SWIFT CODE COUNTRIES

IBAN & SWIFT/BICs are required for all EUR payments within the European Monetary Union
Countries and the European Economic Area (EEA) Countries. Additionally, some countries
have adopted the IBAN; it is highly recommended that when sending payments to these
countries that you ask for an IBAN in order to minimize any potential processing delays or incur
additional charges.
The following countries have adopted the IBAN:
Albania
Andorra
Angola
Austria
Republic of Azerbaijan
Bahrain
Belgium
Benin
Bosnia and Herzegovina
Brazil
Bulgaria
Burkina Faso
Burundi
Cameroon
Cape Verde
Central African Republic
Congo
Costa Rica
Croatia
Cyprus
Czech Republic
Denmark
Dominican Republic
Equatorial Guinea
Estonia
Faroe Islands
Finland
France
French Guiana
French Polynesia
Gabon
Georgia
Germany
Gibraltar
Greece
Greenland
Guadeloupe
Guatemala
Guernsey
Hungary
Iceland
Iran
Ireland
Isle of Man
Israel
Italy
Ivory Coast
Jersey
Jordan
Kazakhstan
Kuwait
Latvia
Lebanon
Liechtenstein
Lithuania
Luxembourg
Macedonia
Madagascar
Mali
Malta
Martinique
Mauritania
Mauritius
Moldova
Monaco
Montenegro
Morocco
Mozambique
Netherlands
New Caledonia
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Niger, Republic of
Norway
Pakistan
Poland
Portugal
Palestinian Occupied Territory
Reunion
Romania
Saint-Pierre and Miquelon
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Slovak Republic
Slovenia
Spain
Sweden
Switzerland
Togo
Tunisia
Turkey
United Arab Emirates
United Kingdom
Virgin Islands, British
AED UNITED ARAB EMIRATES DIRHAM

REQUIRED:
Swift Branch Details Field (Bank to Bank): Should be blank
Beneficiary Bank BIC/SWIFT: Eight digits in length
Beneficiary Bank Country: United Arab Emirates
Beneficiary Account Number: 23 Character IBAN
IBAN Format: AEKK AAAB BBBBBBBBBBBBBBB
o AE = Country code
o K=IBAN Check digits
o A =Bank Code
o B = Account Number
Purpose for payment
ADDITIONAL CONSIDERATIONS:
Additional Bank details can/should be transmitted in the Client References field to avoid
additional processing charges
ALL - ALBANIAN LEK

REQUIRED:
IBAN Format: ALKK AAAB BBBD CCCC CCCCCCCCCCCC
o AL = Country code
o K=IBAN Check digits
o A =Bank Code (KIB)
o B = Branch Code Account number (KIB)
o D = Account Check digit
o C = Account Number
Beneficiary Bank BIC/SWIFT: Eight Digits
Country: Albania
Purpose for payment
Full Name and Address of Beneficiary
Method of payment (Electronic or Check) may vary depending on local requirements and
validity of beneficiary information. Payments Less than $25 (USD) equivalent may get rejected.
Expected beneficiary receipt date may be 5-7 days from the date the beneficiary bank received
the payment (Beneficiary Bank may not necessarily apply on value date instructed).
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AMD - ARMENIAN DRAM

REQUIRED:
Beneficiary Account Number: Eleven Sixteen digits in length
Beneficiary Bank SWIFT/BIC: Eight Eleven Digits
Purpose of Payment
Beneficiary Bank Full Name, Address & Country: Armenia
Full Name and Address for Beneficiary
OPTIONAL:
Beneficiary Full Name and Address should be transmitted as Individuals must present
Passport and Social Card to Claim funds.
Payments can be sent to Armenian Banks for individuals who do not hold accounts there. The
individual must provide the specific bank SWIFT/BIC and then their full ID and name should be
referenced in the beneficiary name and account number field
validity of beneficiary information.
ANG ANTILLIAN GUILDER

REQUIRED
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits
Beneficiary Bank Country: Netherlands Antilles
Full name and Address of Beneficiary
Purpose of payment
Method of payment (Electronic): All payments cleared electronically. Payments are made on
value date.
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AOA ANGOLAN KWANZA

REQUIRED
IBAN Format: AOKK AAAB BBBD CCCC CCCC CCCD D
o AO = Country Code
o K = IBAN Check digits
o A = Bank code
o B = Bar code (This field may be filled with zeros)
o C = Account number
o D = Account Check digit
Beneficiary Bank BIC/SWIFT: Eight Eleven digits

Purpose for payment
Full name and address of Beneficiary
ARS ARGENTINE PESO

REQUIRED:
Beneficiary Account Number: CBU 22 numerical digits (may contain hyphens)
CBU Format: AAAAAAABBBBBCCCCCCCCCCD
o A = Bank Code
o B = Branch Code
o D = Check Digit
Purpose of Payment
Contact Name of Beneficiary at organization, Telephone Number & Address
CUIT #: Typically twelve-digit (may contain hyphen characters) Tax ID for businesses and
9-12 digits for individual Tax IDs.
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AUD AUSTRALIAN DOLLAR

REQUIRED:
Beneficiary Bank BIC/SWIFT: Valid Eight or Eleven digit SWIFT code
Routing Code:6 digit BSB code
NOTE: Both the BSB code and the Eight digit SWIFT code are required ~ otherwise the
payment will stop for repair or may be returned due to unknown branch location. Please also
be mindful that if the beneficiary bank is in Australia then you need to delete the BSB (routing
code) from the BENE bank account number if its inserted there.
Low Value Requirements:
Account Number: 6 to 10 digits
Routing Code: 6 digit eligible BSB Code
Beneficiary Country: Australia
AZN AZERBAIJAN MANAT

REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight digits
Bank Country: Azerbaijan
Beneficiary Address
Purpose of Payment
Beneficiary Tax ID
IBAN Format: AZKK AAAA BBBB BBBB BBBB BBBB BBBB
o AZ = Country Code
o K = IBAN Check digits
o A = Bank code
o B = Account number (This field may be filled with zeros)
BAM BOSNIA AND HERZEGOVINA CONVERTIBLE MARK

REQUIRED:
Beneficiary Account Number: 20 Alpha numerical digit IBAN
IBAN Format: BAKK BBBS SSCC CCCC CCKK
o B = Bank code
o S = Sort code
o C = Account No
o K = check digits
Beneficiary Bank Country: Bosnia and Herzegovina
Purpose of payment
Beneficiary Address
Method of payment (Electronic): All payments cleared electronically, and made on value date.
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BBD BARBADOS DOLLAR

REQUIRED:
Beneficiary Country: Barbados
Beneficiary Bank Country: Barbados
RECCOMENDED:
Beneficiary Bank Branch Address: If eight digit SWIFT is provided
Method of payment (Electronic): All payments cleared electronically. Payments are made on
value date.
BDT BANGLADESH TAKA

BDT Payments cannot be credited to foreign currency accounts belonging to beneficiaries in
Bangladesh. The beneficiary must provide their bank with a completed Form C. The
beneficiarys bank will then pass it to our Correspondent, so that payment can be disbursed.
This is a mandatory requirement by the Central Bank.
REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight - Eleven Digits
Purpose of Payment
Beneficiary Bank Branch Name & Branch Address
Beneficiary Nationality or if a company details explaining purpose of payment in
reference fields.
Beneficiary telephone number
Method of payment (Electronic or Check) check is issued when payment instructions received,
and presented to the beneficiary bank through courier.
Beneficiary bank branch address should be included in Swift branch details in the template.
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BGN BULGARIAN LEV

REQUIRED:
IBAN Format: BGKK BBBB SSSS DDCC CCCC CC
o BG = Country Abbreviation
o K = Check digits
o B = alphanumeric bank code (first four letters of SWIFT)
o S = Branch (BAE) number
o D = numeric account type
o C = alphanumeric account No
Purpose of Payment
Outgoing payments - legal requirement for the provision of (i) an anti-money laundering
(source(s) of funds) declaration for all payments exceeding BGN 30,000 or its equivalent in
respective currency; (ii) a statistical declaration for all payments exceeds BGN 100,000 or its
equivalent in respective currency. All payments for granting loans to foreign entities must be
declared. Budgetary payments must include the code word PAY and a six digit pay code (as
provided by your beneficiary) this should directly follow the beneficiary IBAN.
In addition to the above pay code, if your payment is a budgetary payment, field 72 (bank to
bank details) in your payment instruction will also be mandatory.
BHD BAHRAIN DINAR

REQUIRED:
IBAN Format: BHkk BBBB SSSS DDCC CCCC CC
o BH= Country Abbreviation
o k = Check digits
o B = Bank Identifier
Purpose of Payment
BIF BURUNDI FRANC

REQUIRED:
Beneficiary Bank Branch Address: If eight digit SWIFT is provided
Purpose of Payment
Full Name, Address of Beneficiary and Telephone Number
RECOMMENDED:
IBAN Format: BIKK AAAA AAAA AAAA
o BI= Country Abbreviation
o K = Check digits
o A = Branch Identifier & Account number
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BMD BERMUDIAN DOLLAR

REQUIRED:
Purpose for payment
Full name and address of Beneficiary: Please note P.O Boxes are not acceptable.
BND BRUNEI DOLLAR

REQUIRED:
Method of payment (Electronic or Check) varies depending on beneficiary bank. If bank is not
a part of electronic clearing house, a check is drawn and delivered to the beneficiary bank.
Expected beneficiary receipt date varies on beneficiary bank clearinghouse participation.
BOB BOLIVIAN BOLIVIANO

REQUIRED:
Purpose of payment
Beneficiary Bank Branch Address
Full Address of Beneficiary
Method of payment (Electronic or Check) varies depending on beneficiary bank. If bank is not
a part of electronic clearing house, a check is drawn and delivered to the beneficiary bank.
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BRL BRAZILIAN REAL

REQUIRED:
IBAN Format: BRKK AAAA AAAA BBBB BCCC CCCC CCCC C
o BR= Country Abbreviation
o K = Check digits
o A = National Bank Code
o B = Branch Code
Routing Code: Four Digit Agencia Code
o This forms what is known as the Codigo Compe
Extrapolating the Agencia Code from the Codigo Compe:
AAA BBBB
AAA = Bank Code
BBBB = Agency/Agencia Code (Branch Code)
Beneficiary Bank Country: Brazil
Full Name or Contact Name at Beneficiary Organization or Entity
Address and Telephone number of Beneficiary
Purpose of payment
Beneficiary Authorization or Beneficiary Tax/National ID
Exact Bank Location required: only if swift is Eight Digits.
For the ID number requirement, please provide one of the following:
o Cadastro de Pessoas Fsicas (CPF) for Individuals or contractors
o Cadastro Nacional de Pessoas Jurdicas (CNPJ) for companies or businesses
o Registro Geral (RG) number used to identify individual
RECOMMENDATION:
Local regulations require the beneficiary to establish a Cadastro with our local provider INTL
FCSTONE DTVM LTDA. This must be provided within 10 days of the value date. Beneficiaries
can pre-registering with:
INTL FCStone DTVM Ltda
Departamento de Cmbio
Tel: 11 3509-5400
Email: Aline Prico (Aline.Perico@INTLFCStone.com)
Email: Daniele Santos (Daniele.Santos@intlfcstone.com)
Providing the following:
Corporation Registration
Corporation Registration
Limited Liability Company: Articles of incorporation
registered with the board of trade or commercial
registry
Corporations: Company Bylaws and most recent
Executive Board election minutes
Individual Registration
Notarized Registration Form
Copy of Taxpayer Identification Document C.P.F.

Notarized Standard Identification Document R.G.
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Investment Funds, Foundations, Clubs, Coops:

Authenticated and Notarized Consolidated copy of
most recent Bylaws and Regulations
Bill issued by a public utility dated no more than 90

days prior to registration
Audited Balance Sheet: No more than 18 months

from time of registration
Corporate Tax ID Certificate
Authorized Signatory Card Duly signed by
individual with account authorization as recognized
by the individuals bank
Authorized Signatory Card

Power of Attorney if applicable (along with
Identification Document for Individual with PoA)
Letter of Authorization: Granting IFL information
about FX transactions per PCAM 415, CAM57
SISBACEN or other information provided by Central
Bank of Brazil.
FATCA Declaration
Power of Attorney if applicable (along with

Identification Document for Individual with PoA)
FATCA Declaration
BSD BAHAMIAN DOLLAR

REQUIRED
Beneficiary Country: Bahamas
Beneficiary Bank Country: Bahamas
Payments greater than BSD 10,000 may require a source of funds declaration.
Page 15 of 94
BTN BHUTAN NGULTRUM

REQUIRED
Full name and address of Beneficiary
Purpose of payment
BWP BOTSWANA PULA

REQUIRED:
Routing Code: Six digits
Method of payment (Electronic or Check): Payments are made electronically except in
instances where the beneficiary bank does not share SWIFT test keys with the Central Bank.
These beneficiary banks will receive checks for final credit to the beneficiary.
BZD BELIZE DOLLAR

REQUIRED
Beneficiary Country: Belize
Beneficiary Bank Country: Belize
Page 16 of 94
CAD CANADIAN DOLLAR

REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight - Eleven digits
Routing Code: Transit Code 9 numerical digits (four digit bank code + five digit branch id)
Please Note for Financial Institutions (FIS): That both Routing Code and Swift is required
REQUIRED (IF CROSS BORDER PAYMENT):
Beneficiary Address
NOTE: The routing code is the branch transit code. A 12 digit account number may comprise
of the last five digits of the transit code (known as branch identifier) followed by the 7 digit
account number. Canadian account numbers are typically between 7 to 12 digits, and vary in
length depending on the beneficiary bank or financial institution
LOW VALUE REQUIREMENTS:
Beneficiary Bank Country: Canada
Branch Transit Code: Transit Code 9 numerical digits (four digit bank code + five digit
branch id)
Account number: 7-12 digits
CHF SWISS & LIECHTENSTEIN FRANC

REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight - Eleven Digits
Beneficiary Account Number: 21 Alpha numerical digit IBAN (IBAN may also have LI
country code)
IBAN Format: CHKK BBBB BCCC CCCC CCCC C
o CH or LI= country code
o KK = Check digits
o B = bank code
CLP CHILEAN PESO

REQUIRED:
Bank Account Number: Not to exceed 20 digits
Beneficiary Bank Country: Chile
Registro Unico Tributario (RUT) Number: Beneficiary Tax Id # (digits only) in SWIFT
Branch Details
NOTE: The payment value must not exceed CLP 100,000,000
Page 17 of 94
CNY CHINESE YUAN RENMINBI

REQUIRED (HONG KONG):
Beneficiary Bank BIC/SWIFT: eight eleven digits
Beneficiary Address & Telephone Number
Remitter Address & Full Name
Purpose of Payment: Drop Down Menu
REQUIRED (MAINLAND CHINA):
Beneficiary Bank Routing code: CNAPS Code 12 digits
Contact name at beneficiary organization or entity
Purpose of Payment: Drop Down Menu (Trade Related Services is not acceptable)
For payments to individuals specific payment reason should accompany the payment as
paying invoice or Purchase of goods ONLY acceptable for companies.
CNH OFFSHORE RENMINBI

REQUIRED (HONG KONG):
Beneficiary Bank BIC/SWIFT: Eleven digits
Beneficiary Bank Country: Hong Kong
Purpose of Payment: Drop down menu
REQUIRED (MAINLAND CHINA):
Beneficiary Bank Country: China
Purpose of Payment: Drop down menu (Trade Related Services or Travel Related is not
accepted)
Purpose of Payment Code: Drop down menu
REQUIRED(OTHER):
Purpose of Payment: Drop down menu
RECOMMENDED:
RMB (CNH CNY)

Purpose of Payment Types and Codes.docx
Page 18 of 94
COP COLOMBIAN PESO

REQUIRED:
Beneficiary Tax ID: NIT or RUT or Cedula
Beneficiary Contact Name at Organization/Company
Purpose of Payment
Typically payments may take 3-5 days after value to be applied due to the need for beneficiary
to complete any of their banks required due diligence. To avoid potential processing delays for
payments to Colombia, beneficiaries are encouraged to provide the invoice in advance, to their
bank to assist in any extra due diligence requirements their institution may have.
For the ID number requirement one of the following is required:
Numero De Identification tributaria (NIT) is a ID used for businesses
Registro Unico Tributario (RUT) used for individuals who are engaging in work and may
independent of any business.
Cedula de Ciudadania is an ID number issued to all Colombian citizens.
CRC COSTA RICAN COLON

REQUIRED:
IBAN Format: CRKK BBBB CCCC CCCCCCCC CC
o CR= Country Abbreviation
o K = Check digits
Beneficiary Tax ID: Cedula Juridicia 7 10 digit tax payer ID
Beneficiary Contact name at beneficiary organization or entity
Purpose of Payment
Below is the Central Bank of Costa Rica website that assists in converting account numbers to
IBANs http://www.bccr.fi.cr/sistema_pagos/informacion_general/IBAN.html
Page 19 of 94
CVE CAPE VERDE ESCUDO

REQUIRED
Beneficiary Address
Purpose of Payment
RECOMMENDED
IBAN Format: CVKK BBBB AAAA ACCC CCCCCCCC C
o CV= Country Code
o KK= Check Digits
o B= Four digit Bank Code
o A= Zeros preceding account number
OR
Beneficiary Account Number/BBAN:
NIB Format: AAAA AAAAAAAAAAAAAAAA XXX
o Minimum character length: 20 alphanumeric digits; can include decimal points (A)
o Maximum character length: 23 digits; can include decimal points (X)
CZK CZECH KORUNA

REQUIRED:
IBAN Format: CZKK BBBB CCCC CCCCCCCCCCCC
o CZ = Country Code
o KK = Check digits
o B = Bank code
o C = Account No
DJF DJIBOUTI FRANC

REQUIRED:
Purpose of Payment
Beneficiary Address
Method of payment (Electronic or Check): All payments are made through checks.
Page 20 of 94
DKK DANISH KRONER

REQUIRED:
IBAN Format: DKKK BBBB CCCC CCCC CC
o DK = Country Code
o KK = Check digits
o B = Bank code
o C = Account No
It is common practice that a one day float is assessed by local banks.
DOP DOMINICAN PESO

REQUIRED:
Purpose of Payment
Beneficiary Passport # or RNC: Registro Nacional de Contribuyentes if the beneficiary
is a legal entity.
Beneficiary Telephone Number
Account Type: Checking or Savings
IBAN Format: DOKK BBBB CCCC CCCC CCCC CCCC CCCC
o DO= Country Abbreviation
o K = Check digits
o C = Alphanumeric Account No
The Central Bank of the Dominican Republic provides the following tool for assistance in
validating IBANs for various Central American countries:
http://www.bancentral.gov.do/sipard/main/main.asp
The URL above provides instruction on formatting for accounts locating in El Salvador,
Guatemala, Honduras, and Nicaragua in addition to Dominican Republic.
DZD ALGERIAN DINAR

REQUIRED:
Beneficiary Account Number: 20 digits
Bank Account Format: AAAA AAAA BBBB BBBB BBBB
o A= Bank Routing Code (Code Etablissment)
o B = Alphanumeric Account No
Purpose of Payment: See list of Central Bank of Algeria Purpose of

Payment Codes
Page 21 of 94
Purpose of Payment
Codes -DZD.docx
EGP EGYPTIAN POUND

REQUIRED:
Purpose of Payment
ADDITIONAL CONSIDERATIONS: Expected beneficiary receipt date may be 5-7 days from
the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily
apply on value date instructed).
ERN ERITREAN NAKFA

REQUIRED:
Purpose of Payment
Beneficiary Address
ETB ETHIOPIAN BIRR

REQUIRED:
Beneficiary Address
validity of beneficiary information. Typically, the beneficiary receipt date is 2 days after value.
Page 22 of 94
EUR - EURO
ALL EUR PAYMENTS, WITHIN THE EU MONETARY UNION, EUROPEAN ECONOMIC
AREA (EEA) AND WHERE THE BENEFICIARY BANK COUNTRY MAINTAINS THE EUR
AS THEIR OFFICAL CURRENCY, REQUIRE AN IBAN AND BIC/SWIFT
LOW VALUE REQUIREMENTS (SEPA)
Eligible SEPA Credit Transfer SWIFT/BIC: Eight Eleven Digits.
NOTE: IF SWIFT is unconnected and on the SEPA sheet then it can be used in the SWIFT
code field. If SWIFT is unconnected but not on the SEPA sheet then it will follow the same
rules as an EFT.
Bank Account: IBAN for the designated country in the below table
Austria
Belgium
Bulgaria
Croatia
Cyprus
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Iceland
Ireland
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Monaco
Netherlands
Norway
Poland
Portugal
Romania
San Marino
Slovak Republic
Slovenia
Spain
Sweden
Switzerland
United Kingdom
WIRE REQUIREMENTS:
Beneficiary Bank BIC/SWIFT: Eight Eleven Digits, in addition to the accompanying IBAN
if sent to one of the countries below or within the SEPA table:
Albania
Andorra
Azerbaijan
Croatia
Faroe Islands
Georgia
Gibraltar
Greenland
Macedonia
Mauritania
Mauritius
Moldova
Montenegro
Serbia
Turkey
The following use the United Kingdom IBAN format: Guernsey, Jersey, and Isle of Man
The following use the Portuguese IBAN format: Azores and Madeira
The following use the Spanish IBAN format: Canary Islands, Ceuta and Melilla
The following countries all use the French IBAN format: French Guyana, French Polynesia, French Southern
Territories, Guadeloupe, Martinique, Mayotte, New Caledonia, Reunion, Saint Barthelemy, Saint Martin (French
Side), Saint Pierre et Miquelon, Wallis & Futuna Islands.
NOTE: When using an IBAN for euro payments do not list routing codes.
EUR EURO IBAN REQUIREMENTS

ALAND ISLANDS:
IBAN format: 18 Alpha Numerical Digits

AXKK BBBB BBCC CCCC CK
AX = Country Code
K = Check Digit
B = Bank code, Branch number and Account type
C = Account No
ANDORRA

ADKK BBBB SSSS CCCC CCCCCCCC
AD = Country Code
K = Check Digits
B = Bank code
S = Branch code
C = Account No
Page 23 of 94
EUR EURO IBAN REQUIREMENTS (continued)

AUSTRIA:

ATKK BBBB BCCC CCCC CCCC
AT = Country Code
K = Check digits
B = Bank code
C = Account No
BELGIUM:

BEKK BBBC CCCC CCKK
BE = Country Code
K = Check Digits
B = Bank code (numeric)
C = Account No
BULGARIA:

BGKK BBBB SSSS DDCC CCCC CC
BG = Country Code
K = Check Digits
B = Alphanumeric bank code (first four letters of SWIFT BIC)
S = Branch (BAE) number
D = Numeric account type
C = Alphanumeric account
CROATIA:

HRKK BBBB SSSS DDCC CCCC CC
HR = Country Code
K = Check Digits
C = Alphanumeric account
CYPRUS:

CYKK BBBS SSSS CCCC CCCCCCCCCCCC
CY = Country Code
K = Check Digits
B = Bank code
S = Sort code
C = Account No
CZECH REPUBLIC:

CZKK BBBB CCCCCCCCCCCCCCCC
CZ = Country Code
KK = Check digits
B = Bank code
C = Account No.
C = Account No
Page 24 of 94

DENMARK:

DKKK BBBB CCCC CCCC CC
DK = Country Code
K = Check digits
B = Bank No
ESTONIA:

EEKK BBSS CCCC CCCC CCCK
EE = Country Code
K= Check Digits
B = Bank code
S = Sort code
C = Account No
FINLAND:

FIKK BBBB BBCC CCCC CK
FI = Country Code
B = Bank code, Branch number and Account type
C = Account No
K = check digit
FAROE ISLANDS:

FOKK BBBB BGGG GGCC CC
FO = Country code
B = Bank code
C = Account No
K = Check digit
FRANCE:

FRKK BBBB BGGG GGCC CCCC CCCC CXX
FR = Country code
K = Check Digit
B = Bank code
G = Code Guichet (branch)
C = Account No
X = Cl RIB
The following countries all use the above IBAN format: French Guiana, French Polynesia, French Southern
Territories, Guadeloupe, Martinique, Mayotte, New Caledonia, Reunion, Saint Pierre et Miquelon, Wallis & Futuna
Islands
GERMANY:

DEKK BBBB BBBB CCCC CCCC CC
DE = Country Code
K = Check Digits
B = Sort code (Bankleitzahl/BLZ)
C = Account No
Page 25 of 94

GIBRALTAR:

GIKK BBBB CCCC CCCC CCCC CCC
GI = Country Code
K = Check Digits
B = Bank Code
C = Account No
GREECE:

GRKK BBBB BBBC CCCC CCCCCCCC CCC
GR = Country Code
K = check digits
B = bank code and branch number
C = account No.
GREENLAND:

GLKK BBBB CCCC CCCC CC
GL = Country Code
K = check digits
B = bank code
C = account No.
HUNGARY:

HUKK BBBB BBBC CCCC CCCCCCCCCCCC
HU = Country Code
KK = Check Digits
B = Bank code
C = Account No
ICELAND:

ISKK BBBB SSCC CCCC XXXX XXXX XX
IS = Country Code
K = Check Digits
B = Bank code
S = Sort code
C = Account No
X = holder's national identification number
IRELAND:

IEKK AAAA BBBB BBCC CCCC CC
IE = Country Code
K = Check Digits
A= First 4 alphanumeric characters of the SWIFT
B = 6 digit long sort code
C = 8 digit account
Page 26 of 94

ITALY:

ITKK KAAA AABB BBBC CCCC CCCC CCC
IT = Country Code
K = Check Characters
A = ABI bank code
B = Branch CAB number
C = Account
LATVIA:

LVKK BBBB CCCC CCCCCCCC C
LV = Latvia
K = Check Digits
B = First four digits of the SWIFT
C = 13 digit account number
LIECHTENSTEIN:

LIKK BBBB BCCC CCCC CCCC C
LI = Country Code
B = Bank code
C = Account No
LITHUANIA:

LTKK BBBB BCCC CCCC CCCC
LT = Country Code
K = Check digits
B = Bank code
C = Account No
LUXEMBOURG:

LUKK BBBC CCCC CCCCCCCC
LU = Country Code
K = Check Digits
B = Bank code
C = Account No.
MAURITANIA:

MRKK BBBB BCCC CCDD DDDD DDDD DDD
MR = Country Code
K= Check digit
B = Bank Code
C = Branch Code
D = Account No
Page 27 of 94

MAURITIUS:

MUKK BBBB CCCC DDDD DDDD DDDD DDDE EE
MU = Country Code
K= Check digit
B = Bank Code
C = Branch Code
D = Account No
E= Account Currency
MOLDOVA:

MDKK BBCC DDDD DDDD DDDD DDDD
MD = Country code
K = Check digit
B = Bank code
C = Branch
D = Account No
MONACO:

MCKK BBBB BGGG GGCC CCCC CCCC CKK
MC = Country code
K = Cl RIB
B = Bank code
G = Code Guichet (branch)
C = Account No
K = Cl RIB
MONTENEGRO:

MEKK BBBC CCCC CCCC CCCC KK
ME = Country code
K = IBAN Check Digit
G = Bank Code
C = Account No
K = Account Check Digit
NETHERLANDS:

NLKK AAAA BBBB BBBB BB
NL = Country Code
K = Check digit
A = Bank code
B = Account No
NORWAY:

NOKK BBBB CCCC CCK
NO = Country Code
B = Bank code
C = Account No
K = Check digit
Page 28 of 94

POLAND:

PLKK BBBB BBBk CCCC CCCCCCCCCCCC
PL = Country Code
K = Check digits
B = Bank code (1-3 institution ID, 4-7 branch)
C = Account No.
PORTUGAL:

PTkk BBBB BBBB CCCC CCCC CCCK K
PT = Country Code
K = Check digits.
B = Bank code (1-4 bank code, 5-8 branch code)
C = Account number
K = Check digits.
The following countries all use the above IBAN format: Azores and Madeira
ROMANIA:

ROKK BBBB CCCC CCCCCCCCCCCC
RO = Country Code
K = Check Digits
B = first 4 of the bank's identifier code BIC/SWIFT
C = specific bank branch and an account
SAN MARINO:

SMKK KBBB BBSS SSSC CCCC CCCC CCC
SM = Country Code
K = Check Digits
B = Bank code
S = Branch code
C = Account No
SERBIA:

RSKK BBBC CCCC CCCC CCCC KK
RS = Country Code
K = Check Digits
B = Bank code
C = Account Number
SLOVAK REPUBLIC: IBAN format: 24 Alpha Numerical Digits

SKKK BBBB SSSS SSCC CCCC CCCC
SK = Country Code
K = Check Digits
B = Bank code
S = Sort code
C = Account No
Page 29 of 94

SLOVENIA:

SIKK BBBB BCCC CCCC CKK
SI = Country Code
K = IBAN Check Digits
B = first 2 represent the bank, the next 3 represent the branch
C = Account Number
K = Account Check digits
SPAIN:

ESKK BBBB GGGG KKCC CCCC CCCC
ES = Country Code
K =Check digits
B = Bank code
G=Branch/office number
C = Account No
The following use the above IBAN format: Canary Islands, Ceuta and Melilla
SWEDEN:

SEKK BBBB CCCC CCCCCCCCCCCC
SE = Country Code
K = Check Digits
B = Bank code
C = Account number
SWITZERLAND:

CHKK BBBB BCCC CCCC CCCC C
CH = Country Code
K = Check Digits
B = Bank code
C = Account No.
TURKEY:

TRKK BBBB BCDD DDDD DDDD DDDD DD
TR = Country Code
K = Check Digits
B = Bank code
C = Reserved for future use
D = Account No.
UNITED KINGDOM:

GBKK BBBB SSSS SSCC CCCC CC
GB = Country Code
K = Check Digits
B =First four of BIC
S = Sort code
C = Account No
EUR EURO IBAN REQUIREMENTS (END)
Page 30 of 94
FJD FIJI DOLLAR

REQUIRED:
Beneficiary Account Number: Up to 12 digits
GBP - BRITISH POUND (STERLING)

REQUIRED (Wire):
IBAN Format: GBKK BBBB SSSS SSCC CCCC CC
o GB = Country Code
o K = Check Digits
o B =First four of BIC
o S = Sort code
o C = Account No
OR
Beneficiary Account: Eight digits
Beneficiary Bank Sort Code: Six numerical digits
Full Bank Address Is Required
NOTE: For GBP, we cannot have a SWIFT code and an 8 digit account number.
LOW VALUE REQUIREMENTS (BACS):
Beneficiary Country: United Kingdom (or overseas territories, Guernsey, Jersey and Isle of
Man)
Six Digit Sort Code: BACS Specific

Beneficiary Account Number: Eight Digits
Cross boarder payments to the UK (NON-GBP) should always have an IBAN and SWIFT
CODE
Page 31 of 94
GEL GEORGIA LARI

REQUIRED:
IBAN Format: GEKK BBCC CCCC CCCCCCCC CC
o GE = Country Code
o K = Check Digits
o B = Bank Code
o C = Account No
Purpose of Payment
Beneficiary Address
The Beneficiary will need to contact their bank and advise that these funds are arriving, and
potentially provide details of payment (Invoice and/or payment notification) to them to be
released in local currency.
Method of payment (Electronic or Check) varies depending on local requirements and validity
of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the date the
beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value
date instructed).
GHS - GHANIAN CEDI

REQUIRED:
Beneficiary Bank Branch Code: Six Digits
Beneficiary Address
GMD GAMBIAN DALASI

REQUIRED:
Purpose of Payment
Beneficiary Address
of beneficiary information.
Page 32 of 94
GNF GUINEA FRANC

REQUIRED:
Beneficiary Bank Account Number: 18 BBAN Number
Purpose of Payment
Beneficiary Address
Please note that if you receive 16 digit account you need to check with the client as 18 digit
account number is specified. You may be able to add leading zeros but only after confirmation
from client.
Method of payment (Electronic or Check): All payments are cleared through checks.
GTQ GUATEMALAN QUETZAL

REQUIRED:
IBAN Format: GTKK BBBB CCCC CCCC CCCC CCCC CCCC
o GT = Country Code
o K = Check Digits
o B = Bank Code
o C = Account No
Method of payment (Electronic or Check): Payments are typically cleared through checks,
though a low value type clearing system is due to be implemented. Expected beneficiary
receipt date may be 1-2 days after value (Beneficiary Bank may not necessarily apply on value
date instructed).
GYD GUYANA DOLLAR

REQUIRED:
Method of payment (Electronic or Check): Cleared electronically. Expected beneficiary receipt
date may be 1-2 days after value (Beneficiary Bank may not necessarily apply on value date
instructed).
Page 33 of 94
HKD HONG KONG DOLLAR

REQUIRED:
Account Number:
Account Number Format:
BBBCCCCCCCCC
B= Branch Identifier: Three digits (must match last three digits of the routing
code)
C = Account Identifier
RECOMMENDED:
LOW VALUE REQUIREMENTS (ECG):
Account Number Length: 6-12 Digits can include branch identifier
Beneficiary Bank Routing Code: Branch Specific Hong Kong Branch Code, Six Digits
o Bank Code Format: AAABBB
A = Institution Identifier
B = Branch Identifier
HNL HONDURAS LEMPIRA

REQUIRED:
Beneficiary Phone Number
Beneficiary Address
Beneficiary Account Type
Purpose of Payment
Please note that individual to Individual payments in HNL will not be processed. Payments
from corporations/organizations to individuals are only accepted if they are for salary payments
or consultant fees. Method of payment (Electronic or Check): All payments are cleared through
check. Expected beneficiary receipt date may be 1-2 days after value (Beneficiary Bank may
not necessarily apply on value date instructed).
Page 34 of 94
HRK CROATIAN KUNA

REQUIRED:
IBAN Format: HRKK CCCC CCCC CCCC CCCC C
o HR = Country Code
o K = Check Digits
o C = Account No
Beneficiary Address
Purpose of Payment
validity of beneficiary information (Beneficiary Bank may not necessarily apply on value date
instructed).
HTG HAITIAN GOURDE

REQUIRED:
Beneficiary Bank BIC/SWIFT: Eleven digits
Beneficiary Address
Purpose of Payment
HUF HUNGARIAN FORINT

REQUIRED:
IBAN Format: HUKK BBBB BBBC CCCC CCCCCCCCCCCC
o HU = Country Code
o K = Check Digits
o B = Bank code
o C = Account No
Purpose of Payment
IDR INDONESIAN RUPIAH

REQUIRED:
Beneficiary Bank Country: Indonesia
Purpose of Payment
Telephone Number of Beneficiary
SKN Code: Example - SKN/A/B/C/D (SKN is Indonesias local clearing system).
IDR SKN Code.docx
Page 35 of 94
ILS ISRAEL SHEQEL

REQUIRED:
Beneficiary Account Number/IBAN: 23 Alpha Numerical Digits
IBAN Format: ILKK BBBN NNCC CCCC CCCC CCC
o IL= Country Code
o K = Check Digits
o B = Bank code
o N = Branch Code
o C = Account No
Purpose of Payment
INR INDIAN RUPEE

REQUIRED:
Routing Code: Indian Financial System Code (IFSC): 11 digit code representing a specific
branch location.
Beneficiary Bank BIC/SWIFT: Eight Digits Eleven Digits
Purpose of Payment Code: Detailed purpose of payment is required on all amounts of
INR (please see below) Please see regional specific POP codes below
Specific to NGO Beneficiaries: Payments to NGOs in India FCRA registration number
required.
A list of purpose of payment codes can be found here
(region specific):
APAC INR POP

CODES.docx
INR POP NA & EMEA

REGIONS.docx
If beneficiary bank is Indusin bank and SWIFT starts with INDBINBB and/or +Branches must
be replaced with INDBINBBGRD.
Ensuring that the 11 digit Indian Financial System Code correlates to the beneficiary branch
address provided will assist in minimizing any potential delays.
When paying or making a donation to an NGO beneficiary in India, the FCRA registration
number should be provided to avoid potential processing delays. A list of registered NGOs
under the FCRAs within India can be found on the following URL, here.
Please note our correspondent bank may hold INR payments to request an FCRA certificate
copy when the beneficiary of the funds holds a Foreign Contribution Regulation
Act (FCRA) Account. This enables approved non-profit organizations to receive foreign
contributions for fundraising/charity. Only when the FCRA document is received and reviewed
will the bank release the payment.
When sending GBP to India a detailed purpose of payment is also required.
Page 36 of 94
ISK ICELANDIC KRONA

REQUIRED:
IBAN Format: ISKK BBBB BBBC CCCC CCCCCCCCCC
o IS = Country Code
o K = Check Digits
o B = Bank code
o C = Account No
JMD JAMAICAN DOLLAR

REQUIRED:
Beneficiary Account Type: Checking or Saving
Routing code: Bank code (3 Digits) + Transit code (5 Digits)
JOD JORDANIAN DINAR

REQUIRED:
IBAN: 30 Alpha Numerical Digits
IBAN Format: JOKK BBBB DDDD CCCC CCCC CCCC CCCC CC
o JO = Country Code
o K = Check digits
o D = Branch Code
Purpose of payment
Purpose of payment code: 4-digit code
JOD Purpose of
Payment Types and Codes.docx
Domestic account numbers may be prefixed with leading zeros and must always be 18 digits.
All banks within the Kingdom of Jordan are required to verify the source and purpose of
payment for all payments exceeding JOD 10,000. Beneficiaries may be required to provide
invoice receipts, contracts or other contractual paperwork allowing their bank to confirm that
the funds are a legitimate payment.
Page 37 of 94
JPY JAPANESE YEN

REQUIRED:
Beneficiary Address
Purpose of Payment
OR
Beneficiary Bank Branch Name
Beneficiary banks within Japan require the beneficiary to contact the bank and confirm the
purpose of payment for amounts > 30,000 JPY. Please note that JPY cannot be sent to postal
bank.
KES KENYAN SHILLING

REQUIRED:
Beneficiary Bank Branch Name
Routing Code: 5-digit branch code
KGS KRYGYZSTANI SOM

REQUIRED:
Purpose of Payment:
Beneficiary may need to produce invoice to have funds credit their account in country.
KHR CAMBODIA RIEL

REQUIRED:
Beneficiary Address
Purpose of Payment
validity of beneficiary information, typically beneficiary bank will credit the beneficiary 5-7 days
after receiving the payment.
Page 38 of 94
KMF COMORO FRANC

REQUIRED:
Purpose of Payment
Beneficiary Address
RECOMMENDED:
KRW SOUTH KOREAN WON

REQUIRED:
Full Beneficiary Name
Full Beneficiary Address (No P.O Box)
Beneficiary Bank Country: South Korea
Beneficiary Country: South Korea
Full Bank Address Required
Purpose of payment
Method of payment (Electronic or Check): All payments processed electronically.
If the payment amount is less than USD 2,000 then the payment is processed by the branch on
value date. If the amount is between USD 2000 and USD 20,000 then the beneficiary needs to
be contacted to provide his national ID (this ID should not be provided in the payment
instructions) and is needed to accept funds. Payments above USD 20,000 Citi Korea must
receive underlying documentation from beneficiaries.
KWD KUWAITI DINAR

REQUIRED:
IBAN Format: KWKK BBBB CCCC CCCC CCCC CCCC CCCC CC
o KW= Country Code
o K = Check digits
Purpose of payment
Page 39 of 94
KYD CAYMAN ISLAND DOLLAR

REQUIRED:
Method of payment (Electronic or Check): A draft is prepared and delivered to the beneficiary
bank for processing into the beneficiarys account; expected receipt date is typically 2 days.
KZT KAZAKHSTANI TENGE

REQUIRED:
Beneficiary Bank Address
IBAN Format: KZkk BBBC CCCC CCCC CCCC
o KZ= Country Code
o K = Check digits
Beneficiary ID: 12 digits and proceeded by the letters RNN (These are referred to as BIN
number for businesses or IIN for individual).
o I.E. RNN123456789012
Purpose of Payment Code: Single Payment Classification Code is 10 digits and is
required for every payment and should be preceded by the letters EKNP
o I.E. EKNP1734KZT890
First 2 digits
o 17 If Client/Clients Customer (*FIs or Broker clients) is a resident legal
entity
KZT Purpose of
o 27 If Client/Clients Customer (*FIs or Broker clients) is a non-resident
Payment Codes.docx
legal entity
o 2 Digit Beneficiary Code (see handout)
o 3 Character Currency Code (KZT)
o 3 Digit Payment Detail Code Last 3 digits (see KZT purpose of payment
code document)
Budget Code ** (only required for Tax Payments; KZT purpose of
payment code document)
Page 40 of 94
LAK LAOS KIP

REQUIRED:
Purpose of Payment
Beneficiary Address
validity of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the
date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply
on value date instructed).
LBP LEBANESE POUND

REQUIRED:
Beneficiary Bank Account: 28 Alpha Numerical Digit IBAN
IBAN Format: LBKK BBBB CCCC CCCC CCCC CCCC CCCC
LB= Country Code
K = Check digits
B = Bank/Institution Code
C = Account No. 20 digits
LKR SRI LANKA RUPPEE

REQUIRED:
Routing Code: 7-digit branch code
AAAA BBB
A = Bank Code
B = Branch Code
If the wire is for an amount > 1,000,000LKR (approx. USD10, 000) funds are electronically
cleared through RTGS. Below this amount, funds clear electronically through SLIPS. If
insufficient bank details are provided, a Bank Draft is issued and delivered to the beneficiary.
Page 41 of 94
LSL LESOTHO LOTI

REQUIRED:
Purpose of Payment
Beneficiary Address
validity of beneficiary information. Expected beneficiary receipt date may be 5-7 days from the
date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply
on value date instructed).
MAD MOROCCAN DIRHAM

REQUIRED:
Purpose of Payment
Beneficiary Account: 24 Numerical digits
Account format: AAAB BBCC CCCC CCCCCCCC CCDD
A = Bank code 3 digits
B = Location code 3 digits
C = Account No 16 digits
D = Check Digits
Method of payment (Electronic or Check): All payments are cleared through checks.
the payment (beneficiary bank may not necessarily apply on value date instructed).
Any electronic payment orders not containing the above recommended beneficiary account
formatting will be processed manually by the Central Bank and potentially assessed fees,
which may vary from payment to payment.
MGA MADAGASCAR ARIARY

REQUIRED:
Purpose of Payment
Beneficiary Address
RECOMMENDED:
Beneficiary Bank Account: 27 Alpha Numerical Digit IBAN
IBAN format: MGkk CCCC CCCC CCCC CCCC CCCC CCC
Page 42 of 94
MKD MACEDONIA DENAR

REQUIRED:
Beneficiary Bank BIC/SWIFT: Eight Eleven digits:
Beneficiary Account: 19 Numerical digit IBAN
IBAN format: MKkk BBBC CCCC CCCC CKK
MK = Country Code
kk = Check Digits
B = Bank Code
C = Account Number
Purpose of Payment
Beneficiary Address
MOP MACAO PATACA

REQUIRED:
Purpose of Payment
Beneficiary Address
Page 43 of 94
MRO MAURITANIA OUGUIYA

REQUIRED:
Beneficiary Account: 27 Numerical digits IBAN
IBAN format: MRkk BBBB BCCC CCDD DDDD kk
MR = Country Code
kk = Check Digits
B = Bank Code
C = Branch Code
D = Account Number
Beneficiary Address
Purpose of Payment
MUR MAURITIUS RUPEE

REQUIRED:
IBAN format: MUkk BBBB CCDD EEEE EEEEEEEE FFF GGG
MU = Country Code
kk = Check Digits
B = First four letters of BIC/SWIFT
C =Bank Code
D = Branch Code
E = Account number
F = Reserved for future use
G = Currency of account
Purpose of Payment
Page 44 of 94
MVR MALDIVES RUFIYAA

REQUIRED:
Purpose of Payment
Beneficiary Address
MWK MALAWI KWACHA

REQUIRED:
Purpose of Payment
Beneficiary Address
MYR MALAYSIAN RINGGIT

REQUIRED:
Purpose of Payment
Please note that we are unable to send MYR to banks in Labuan. This off-shore territory does
not accept MYR payments due to regulatory restrictions. As an alternative, you can send USD
into this region.
MXN MEXICAN PESO

REQUIRED:
The CLABE number is required on all MXN payments sent to Mexico. For USD payments to
Mexico, providing a CLABE will minimize any issues regarding the account number. If sending
MXN cross border, the Intermediary Banks CLABE must be provided.

Beneficiary Account Number: 18 digits CLABE
CLABE Format: AAABBBCCCCCCCCCCCD
A = Bank Code
B = Branch Office Code
C = Account Number
D = Control Digit
Page 45 of 94
CLABE_Validation.xls
MZN MOZAMBIQUE METICAL

REQUIRED:
Beneficiary Address
Purpose of Payment
Beneficiary Bank Account: NIB (Nmero de Identificao Bancria) typically 21 digits
RECOMMENDED:
Beneficiary Account Number: 25 digits IBAN
IBAN Format: MZKK AAAA AAAA AAAA AAAA AAAA A
MZ = Country Code
K = Check Digits
NAD NAMIBIAN DOLLAR

REQUIRED:
Purpose of Payment
Beneficiary Address
NGN NIGERIAN NAIRA

REQUIRED:
Beneficiary Account Number: 10 digit Nigerian Uniform Bank Account Number (NUBAN)
Format: AAAAAAAAAB
A = NUBAN Account Serial Number
B = Check Digit
Page 46 of 94
NIO NICARAGUAN CORDOBA

REQUIRED:
Purpose of Payment
Beneficiary Address
Contact Name at Beneficiary Organization
Telephone Number of Contact at Beneficiary Organization
NOK NORWEGIAN KRONE

REQUIRED:
Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN
IBAN Format: NOKK BBBB CCCC CCK
NO = Country Code
B = Bank code
C = Account No
K = Check digit
Beneficiary Bank BIC/SWIFT: Eight Eleven digit
Beneficiary Bank Country: Norway
NPR NEPALESE RUPEE

REQUIRED:
Purpose of Payment
Beneficiary Address
Payments to Nepalese Nationals in Nepal can be done in NPR only.
Expected beneficiary receipt date may vary depending on location. Payment may take up to
10-12 days (not typical) depending on the location of the beneficiary and beneficiary bank.
Page 47 of 94
NZD NEW ZEALAND DOLLAR

REQUIRED:
Beneficiary Account number: Nine to ten Digits. If the routing code is included the
account number, you should remove the routing information so the account number is only
9 to 10 digits and ensure it is added to the routing code field
Beneficiary Bank Routing Code: Six Digits
Beneficiary Bank Country: New Zealand
Beneficiary Bank Code: Six Digits
Beneficiary Account number: Nine to ten Digits. If the routing code is included the
account number, you should remove the routing information so the account number is only
9 to 10 digits and ensure it is added to the routing code field.
ADDITIONAL CONSIDERATIONS (for extrapolating nine to ten digit account):
Beneficiary Account:15-18 digits
ACCOUNT FORMAT (Sixteen digit): AAAA AABB BBBB BBBC CC
A = Bank Code
B = Account Number
C = Suffix (Indicates account type)
OMR OMANI RIAL

REQUIRED:
Purpose of Payment
PAB PANAMA BALBOA

REQUIRED:
Beneficiary Address
Purpose of Payment
Payments in Panama Balboa (PAB) to beneficiary swift code BAGEPAPA will require a valid
beneficiary telephone number.
Page 48 of 94
PEN PERUVIAN NUEVO SOL

REQUIRED:
Beneficiary Identification: Registro Unico de Contribuyente (RUC) or Documento
Nacional de Indetidad (DNI)
Beneficiary Account Number: Codigo de Cuenta Interbancario 20 digits (if beneficiary
bank is not Citibank Peru)
Identification in Peru is known as RUC RegistroUnico de Contribuyente for an entity (11 digits)
and DNI Documento Nacional de Indentidad for an individual (8 digits). A non-Peruvian tax
resident or entity may maintain their tax ID from the country where they are registered.
If your beneficiary is an entity with a RUC, the 11 digits should be preceded with RUC in
the payment details. Example: RUC 20123456789
If your beneficiary is an individual with a DNI, the 8 digits should be preceded with DNI in
the payment details. Example: DNI 12345678
If your beneficiary is a non-Peruvian tax resident the tax id should be preceded with TAX
ID in the payment details, regardless of whether they are an individual or an
entity. Example: TAX ID 4871126S
PGK PAPUA NEW GUINEA KINA

REQUIRED:
Purpose of Payment
PHP PHILIPPINES PESO

REQUIRED:
Beneficiary Bank Country: Philippines
validity of beneficiary information, with some banks may enforce 1-2 day hold on credits to
beneficiary.
Page 49 of 94
PKR PAKISTAN RUPEE

REQUIRED
Beneficiary Account Number: 24 digits IBAN
IBAN Format: PKkk BBBB AAAA AAAA AAAA AAAA
PK = Country Code
k = Check Digits
B = Bank Code
A = Account number
Purpose of Payment
Beneficiary Address
REQUIRED for NGOs
Specific to NGO Beneficiaries: The wire transfer originators address, CNIC/Passport

number, date or place of birth or where originator is a legal person, necessary details such
as registration number.
Method of payment (Electronic or Check): Payment is cleared by managers checks or demand
drafts. Once the payment instruction is received our correspondent, the Branch sends a
payment initiation (via courier) to beneficiary bank seeking purpose of remittance (regulatory
requirement). The payment is released once the Beneficiary/ Beneficiary Bank provide the
purpose of remittance. Beneficiary bank branch address should be included in the Swift branch
details
PLN POLISH ZLOTY

REQUIRED:
Beneficiary Account Number: 28 Alpha Numerical Digit IBAN
IBAN Format: PLkk BBBB BBBB CCCC CCCCCCCCCCCC
PL = Country Code
B = Bank code (1-3 institution ID, 4-8 branch)
C = Account Number 16 digits
kk = Control Digits
Page 50 of 94
PYG PARAGUAY GUARANI

REQUIRED:
Beneficiary Address
Purpose of Payment
Beneficiary Tax ID #:
Individuals: 6-8 digits; Cedula de identidad Civil (CI)
Companies: 11 digits; Registro Unico de Contribuyente (RUC)
RECOMMENDED:
Beneficiary Passport Number
Beneficiary Contact Phone
Method of payment (Electronic or Check): All payments are cleared by check.
QAR QATARI RIAL

REQUIRED:
IBAN Format: QAKK BBBB CCCC CCCC CCCC CCCC CCCC C
o QA= Country Code
o K = Check digits
o B = Branch Code
Purpose of Payment
Page 51 of 94
RON ROMANIAN NEW LEU

REQUIRED:
Beneficiary Account: 24 Alpha Numerical Digit IBAN
IBAN Format: ROKK BBBB CCCC CCCCCCCCCCCC
RO = Country Code
K = Check Digits
B = first 4 of the bank's identifier code BIC/SWIFT
C = specific bank branch and account
Purpose of Payment
Beneficiary Address
Payments to the State Treasury Accounts (SWIFT/BIC begins with: TREZ) require a fiscal
identification code of the beneficiary. Please request this from your beneficiary when paying
this SWIFT/BIC.
RSD SERBIAN DINAR

REQUIRED:
Beneficiary Account Number: IBAN 22 Alpha Numerical Digits
IBAN format: RSkk BBBC CCCC CCCC CCCC KK
o RS = Country Code
o B = bank code
o C = account No
o K = account check digits
Beneficiary Address
Purpose of Payment
KOSOVO Requirements
REQUIRED:
Beneficiary Account Number: IBAN 20 Alpha Numerical Digits
IBAN format: XKAA BBBB CCCC CCCC CCCC
o XK = Country Code
o B = bank code
o C = account No
o A = account check digits
Beneficiary Address
Purpose of Payment
Page 52 of 94
RUB RUSSIAN RUBLE

REQUIRED:
Beneficiary Account Number: 20-digit Beneficiary Bank Account
Number with Central Bank of Russia
Beneficiary Bank Routing Code: BIK (Russia Domestic Clearing Code)
9 digits
Beneficiary Tax ID #: INN (Individualiy Nomer Nalogoplatelshika)
Individuals: 12 digits; formatted 123456789012
Companies: 10 digits; formatted 1234567890
Foreign Entities: 5 digits; formatted 12345
Beneficiary Address: no further details included in the field
Purpose of Payment: Code VO Code/Currency Operation Code see
RUBLES VO.docx file for description of VO codes. Please note there is
no space between VO and Code i.e. VO60080
If paying an individual, the patronymic name (fathers surname) is
also required.
Value Added Tax (VAT) Information: VAT or No VAT
Payment Reference Information: Brief description of the nature of
payment and reference to contract or invoice
RUBLES VO.docx
RECOMMENDED:
Beneficiary ID: KPP (Beneficiary Registration Code) 9 digits
RWF RWANDA FRANC

REQUIRED:
Page 53 of 94
SAR SAUDI RIYAL

REQUIRED:
IBAN format: SAkk BBCC CCCC CCCCCCCCCCCC
SA = Country Code
K = Check Digit
B = Bank code
C = Account No
SBD SOLOMON ISLANDS DOLLAR

REQUIRED:
SCR SEYCHELLES RUPEE

REQUIRED:
Remitter Full Name, Address and Account Number
Beneficiary Full Name and Address
Purpose of Payment
SEK SWEDISH KRONA

REQUIRED:
IBAN format: SEKK BBBB CCCC CCCCCCCCCCCC
o SE = Country Code
o K = Check Digit
o B = Bank code
o C = Account No
Page 54 of 94
SGD SINGAPORE DOLLAR

REQUIRED:
Beneficiary Bank Routing Code: Seven Digits Branch Specific
Beneficiary Bank Branch Address(Recommended)
LOW VALUE REQUIREMENTS (IBG):
Beneficiary Bank Account: Five Eleven digits
Beneficiary Bank Country: Singapore
Singapore Branch Code: Account numbers first three digits typically contains the first
three of branch code (Please be aware this may not be the case for all banks in Singapore)
SLL - SIERRA LEONE

REQUIRED:
Beneficiary Address
Purpose of Payment
SRD SURINAM DOLLAR

REQUIRED:
Beneficiary Address
Purpose of Payment
Page 55 of 94
STD SAO TOME AND PRINCIPE DOBRA

REQUIRED:
IBAN format: PTKK BBBB BBBB CCCC CCCC CCCK K
o PT = Country Code
o K = Check Digit
o B = Bank code
o C = Account No
SZL SWAZILAND LANGENI

REQUIRED:
Beneficiary Address
Purpose of Payment
THB THAI BAHT

REQUIRED:
Beneficiary Address
Purpose of Payment
*Draft Beneficiaries require a beneficiary address
Please Note: Local Thai banks usually have a fixed length of 10 digits for THB account
numbers. This may vary on occasion and this note is an FYI.
Page 56 of 94
TND TUNISIAN DINAR

REQUIRED:
Beneficiary Account Numbers: 20 Digit BBAN
Purpose of Payment
RECOMMENDED
IBAN format: TNkk BBCC CDDD DDDD DDDD DDKK
TN = Country Code
kk = Check Digits
B = Bank Code
C =Branch Code
D = Account Number
TOP TONGA PA ANGA

REQUIRED:
TRY - TURKISH LIRA

REQUIRED:
IBAN format: TRkk BBBB BRCC CCCC CCCCCCCC CC
TR = Country Code
R= Reservation Space
K = Check Digits
B = Bank Code
C = Account number
Purpose of Payment
TTD TRINIDAD AND TOBAGO DOLLAR

REQUIRED:
Page 57 of 94
TWD NEW TAIWAN DOLLAR

REQUIRED:
Beneficiary Bank Country: Taiwan
Beneficiary Address
Purpose of Payment
the payment (Beneficiary Bank may not necessarily apply on value date instructed as
beneficiary is required to visit bank and complete required forms).
TZS TANZANIAN SHILLING

REQUIRED:
Purpose of Payment
Page 58 of 94
UGX UGANDA SHILLING

REQUIRED:
USD UNITED STATES DOLLAR

REQUIRED:
Cross Border Wire
All cross-border USD shall require a BIC/SWIFT. A routing code (Transit Code) is required
for USD into Canada.
When paying EU/EEA countries or those that have adopted an IBAN, Western Union
Business Solutions requires that an IBAN be provided. IBANs contribute to a decrease in
processing times and reduced error rates.
Notes:
USD to China if a correspondent is provided then we will use that, if one is not then one
will not be added.
USD to Cross Border for USD IBK, use BIC/SWIFT not ABA
USD Cross-Border- If SWIFT is 11 digits and it belongs to branch, add IBK, if it is a

head office, one will not be provided
RECOMMENDED:
When sending USD to a Ukrainian private account payments may stop and be delayed,
if not enough information is provided on the purpose of payment. Please see examples:
Salary, Wages, Prize, Bonus or Honorarium, Alimony, Insurance compensation,
Insurance payment, Compensation of damage or confirm that this transfer is not to be
connected with any business and investment activity.
Domestic Wire
9 digit ABA; see below for differentiating between ACH and Wire
High Value (Wire)
9 digit Fedwire ABA; ABA can be validated that it is able to accept Wire payments through
the following federal reserve website:
http://www.fedwiredirectory.frb.org/search.cfm
Note that the following territories, if the beneficiary banks are participants, are also able to
accept Fedwire fund transfers:
o Puerto Rico
o US Virgin Islands
o Guam
o Northern Mariana Islands
Page 59 of 94

**Please note that after you input the ABA in the appropriate field and have it verified, it is
eligible to receive Wires only if under the Fed wire Eligibility header it indicates FUNDS
ELIGIBLE**
Low Value (ACH)
9 Digit ACH ABA: ABA can be validated that it is eligible for ACH Low Value USD
transactions through the following link. Input the ABA and it indicates whether it is a
FedACH routing code.
http://www.fedwiredirectory.frb.org/search_ACH.cfm
Valid Beneficiary Address: is required for US and Canadian low value payments.
NOTE: It is critical to ensure the routing code is enabled for the selected payment method
(Wire or ACH). If you enter a Fed wire routing code on an ACH payment, the payment will
reject. If you enter an ACH routing code on a Wire payment, the payment will stop for repair at
the bank and may miss deadline or be rejected.
Komercni Bank
When sending USD payments to a beneficiary that banks with Komercni Bank we require the
below:
REQUIRED:
Payers Full Address
Beneficiaries Full Address

NOTE: Without these details payments can be delayed, as this is a requirement from
Komercni Bank.
UYU URUGUAYAN PESO

REQUIRED:
UZS UZBEKISTAN SUM

REQUIRED:
Contact Name of Beneficiary at Organization, Telephone Number
Beneficiary Address
Purpose of Payment
Telephone Number
Page 60 of 94
VND VIETNAM DONG

REQUIRED:
Beneficiary Address
Purpose of Payment
VUV VANUATU VATU

REQUIRED:
WST SAMOA TALA

REQUIRED:
XAF CENTRAL AFRICAN CFA FRANC

REQUIRED:
Beneficiary Bank Country: Cameroon, Central African Republic, Chad, Equatorial
Guinea,
Beneficiary IBAN: 23 to 28 Alpha Numerical Digits
IBAN format: AABB BCCC CCDD DDDD DDDD DDEE (can vary based on country)
A = Country Code
B = Bank Code
C = Branch Code
D = Account Number
E = RIB Key
Please Note: Congo & Gabon have not adopted IBANs as of yet.
XCD EAST CARIBBEAN DOLLAR

REQUIRED:
Beneficiary Bank Country: Anguilla, Antigua & Barbuda, Dominica, Grenada, Montserrat,
Saint Kitts And Nevis, Saint Lucia and Saint Vincent and the Grenadines.
Page 61 of 94
XOF WEST AFRICAN CFA FRANC

REQUIRED:
Beneficiary Bank Country: Benin(BJ), Burkina Faso(BF), Cote DIvoire(CI), GuineaBissau(GW), Mali(ML), Republic of Niger(NE), Senegal(SN), Togo(TG)
Beneficiary IBAN: 24 to 28 Alpha Numerical Digits
IBAN format: AABB BCCC CCDD DDDD DDDD DDEE (can vary based on country)
A = Country Code
B = Bank Code
C = Branch Code
D = Account Number
E = RIB Key
Ivory Coast (Cote dIvoire) is same day or next day, all other countries next day. However, this
may differ, as it is contingent on the local banks throughout the region. Funds transfers that are
eligible for RTGS are completed same day or one day max depending on the time when the
instruction is received. The other funds transfers take 2 days to 3 days and up can take up to
10 days for countries such as Guinea-Bissau. For checks sent to clearing upcountry or out of
the country the transit time may take up to one month. The transit time for checks sent for
clearing in Abidjan is, on average, 2 days.
XPF CENTRAL POLYNESIAN FRANC

REQUIRED:
Beneficiary Address
Purpose of Payment
YER YEMENI RIAL

REQUIRED:
Beneficiary Address
Purpose of Payment
Payments to Individuals must have Beneficiarys Passport Number except when beneficiary is
company or business entity.
Page 62 of 94
ZAR SOUTH AFRICAN RAND

REQUIRED:
Beneficiary Account Number: Beneficiary Accounts with Standard Bank of South Africa
(SBZAZAJJ) should follow a 9 digit format for resident accounts and 11 digit formats for
non-resident accounts.
Routing Code: South Africa six digit routing code
RECOMMENDED:
Beneficiary Contact Details
NOTE: Western Union Business Solutions must have both the SWIFT code and routing code
for ZAR payments to South Africa. If the 6 digit routing code was not provided, the routing
code of the beneficiary bank head office should be selected. **The beneficiarys bank may
require the beneficiary to contact them to complete regulatory paperwork
ZMW ZAMBIAN KWACHA

REQUIRED:
Beneficiary Address
RECOMMENDED:
Routing Code (Sort): Six digits
Page 63 of 94
ADDENDUM 1.1
Least Cost/Low Value Payment Formatting Guidelines
Least Cost payments are not able to be amended (Amendment) once released, if the
information is not correct or invalid, these payments typically return immediately or within a
couple days of the assigned value date.
Proof of payment for Least Cost Payments is typically only a reference number that the bank
has executed the payment to the beneficiary bank under. These are in no way similar to what a
proof of payment represents when requested for a wire.
LV CURRENCY
REQUIREMENTS
Valid 6 digit Bank State Branch (BSB) Code
Beneficiary Bank Country: Australia
Seven - Twelve digit account number
Valid nine digit transit code
Beneficiary Bank Country: Canada
Eligible SEPA Credit Transfer BIC/SWIFT
Valid IBAN (See EUR currency profile for country specific IBANs and
AUD
Australian Dollar
CAD
Canadian Dollar
EUR
Euro
GBP
Sterling Pounds
HKD
Hong Kong Dollar
NOK
Norwegian Krone
NZD
New Zealand Dollar
SGD
Singapore Dollar
USD
United States
Dollar
country specific requirements)

Beneficiary Bank Country: Austria, Belgium, Bulgaria, Cyprus, Croatia,
Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece,
Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania,
Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal,
Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland,
United Kingdom.
Valid six digit BACS sort code
Eight digit bank account
Beneficiary Bank Country: UK (or overseas territory)
Beneficiary Bank Routing Code: Branch Specific Hong Kong Clearing
Code, Six Digits (first three are institution identifier; next three identify
branch.)
Beneficiary Bank BIC/SWIFT: Eight Eleven digit
Beneficiary Bank Country: Norway
Valid six digit bank branch code
Nine to ten digits beneficiary account number
Beneficiary Bank Country: New Zealand
Beneficiary Bank Country: Singapore
Valid ACH ABA (http://www.fedwiredirectory.frb.org/search_ACH.cfm)
Beneficiary Bank Country: USA or Canada (valid transit required if
beneficiary bank is within Canada)
Page 64 of 94
ADDENDUM 1.2
IBAN Formatting Quick Guide
If an IBAN is mandated, recommended or required by this document for a EUR or any other
currency, the format of the IBAN is detailed below.
Country
Albania
Andorra
Angola
Austria
Republic of Azerbaijan
Bahrain
Belgium
Benin
Brazil
Bulgaria
Burkina Faso
Burundi
Cameroon
Cape Verde
Congo
Costa Rica
Croatia
Cyprus
Czech Republic
Denmark
Dominican Republic
Equatorial Guinea
Estonia
Faroe Islands
Finland
France
French Guiana
French Polynesia
Gabon
Georgia
Germany
Gibraltar
Greece
Greenland
Guadeloupe
Guatemala
Guernsey
Guinea Bissau
Hungary
Iceland
Iran
Ireland
Isle of Man
Israel
Italy
Ivory Coast
Jersey
Jordan
Kazakhstan
Kuwait
IBAN
Length
28
24
25
20
28
22
16
24
20
29
22
27
16
27
25
27
27
22
21
28
24
18
28
27
20
18
18
27
27
27
27
22
22
23
27
18
27
28
22
24
28
26
26
22
22
23
27
24
22
30
20
30
Country
Code
AL
AD
AO
AT
AZ
BH
BE
BJ
BA
BR
BG
BF
BI
CM
CV
FR
CG
CR
HR
CY
CZ
DK
DO
GQ
EE
FO
FI
FR
FR
FR
GA
GE
DE
GI
GR
GL
FR
GT
GB
GW
HU
IS
IR
IE
GB
IL
IT
CI
GB
JO
KZ
KW
IBAN Example
AL11 2222 3333 4444 5555 6666 7777
AD11 2222 3333 4444 5555 6666
AO11 2222 3333 4444 5555 6666 7
AT11 2222 3333 4444 5555
AZ11 2222 3333 4444 5555 6666 7777
BH11 2222 3333 4444 5555 66
BE11 2222 3333 4444
BJ11 2222 3333 4444 5555 6666
BA11 2222 3333 4444 5555
BR11 2222 3333 4444 5555 6666 7777 8
BG11 2222 3333 4444 5555 66
BF11 2222 3333 4444 5555 6666 777
BI11 2222 3333 4444
CM11 2222 3333 4444 5555 6666 777
CV11 2222 3333 4444 5555 6666 7
FR11 2222 3333 4444 5555 6666 777
CG11 2222 3333 4444 5555 6666 777
CR11 2222 3333 4444 5555 66
HR11 2222 3333 4444 5555 6
CY11 2222 3333 4444 5555 6666 7777
CZ11 2222 3333 4444 5555 6666
DK11 2222 3333 4444 55
DO11 2222 3333 4444 5555 6666 7777
GQ11 2222 3333 4444 5555 6666 777
EE11 2222 3333 4444 5555
FO11 2222 3333 4444 55
FI11 2222 3333 4444 55
FR11 2222 3333 4444 5555 6666 777
FR11 2222 3333 4444 5555 6666 777
FR11 2222 3333 4444 5555 6666 777
GA11 2222 3333 4444 5555 6666 777
GE11 2222 3333 4444 5555 66
DE11 2222 3333 4444 5555 66
GI11 2222 3333 4444 5555 666
GR11 2222 3333 4444 5555 6666 777
GL11 2222 3333 4444 55
FR11 2222 3333 4444 5555 6666 777
GT11 2222 3333 4444 5555 6666 7777
GB11 2222 3333 4444 5555 66
GW11 2222 3333 4444 5555 6666
HU11 2222 3333 4444 5555 6666 7777
IS11 2222 3333 4444 5555 6666 77
IR11 2222 3333 4444 5555 6666 77
IE11 2222 3333 4444 5555 66
GB11 2222 3333 4444 5555 66
IL11 2222 3333 4444 5555 666
IT11 2222 3333 4444 5555 6666 777
CI11 2222 3333 4444 5555 6666
GB11 2222 3333 4444 5555 66
JO11 2222 3333 4444 5555 6666 7777 88
KZ11 2222 3333 4444 5555
KW11 2222 3333 4444 5555 6666 7777 88
Page 65 of 94

Country
Latvia
Lebanon
Liechtenstein
Lithuania
Luxembourg
Macedonia
Madagascar
Mali
Malta
Martinique
Mauritania
Mauritius
Moldova
Monaco
Montenegro
Morocco
Mozambique
Netherlands
New Caledonia
Niger, Republic of
Norway
Pakistan
Palestine, State of
Poland
Portugal
Reunion
Romania
Saint-Pierre and Miquelon
San Marino
Saudi Arabia
Senegal
Serbia
Slovak Republic
Slovenia
Spain
Sweden
Switzerland
Togo
Tunisia
Turkey
United Kingdom
Virgin Islands, British
IBAN
Length
21
28
21
20
20
19
27
24
31
27
27
30
24
27
22
24
25
18
27
24
15
24
29
28
25
27
24
27
27
25
24
24
22
24
19
24
24
21
24
24
26
23
22
24
Country
Code
LV
LB
LI
LT
LU
MK
MG
ML
MT
FR
MR
MU
MD
MC
ME
MA
MZ
NL
FR
NE
NO
PK
PS
PL
PT
FR
RO
FR
SM
PT
SA
SN
RS
SK
SI
ES
SE
CH
TG
TN
TR
AE
GB
VG
IBAN Example
LV11 2222 3333 4444 5555 6
LB11 2222 3333 4444 5555 6666 7777
LI11 2222 3333 4444 5555 6
LT11 2222 3333 4444 5555
LU11 2222 3333 4444 5555
MK11 2222 3333 4444 555
MG11 2222 3333 4444 5555 6666 777
ML11 2222 3333 4444 5555 6666
MT11 2222 3333 4444 5555 6666 7777 888
FR11 2222 3333 4444 5555 6666 777
MR11 2222 3333 4444 5555 6666 777
MU11 2222 3333 4444 5555 6666 7777 88
MD11 2222 3333 4444 5555 6666
MC11 2222 3333 4444 5555 6666 777
ME11 2222 3333 4444 5555 66
MA11 2222 3333 4444 5555 6666
MZ11 2222 3333 4444 5555 6666 7
NL11 2222 3333 4444 55
FR11 2222 3333 4444 5555 6666 777
NE11 2222 3333 4444 5555 6666
NO11 2222 3333 444
PK11 2222 3333 4444 5555 6666
PS11 2222 3333 4444 5555 6666 7777 8
PL11 2222 3333 4444 5555 6666 7777
PT11 2222 3333 4444 5555 6666 7
FR11 2222 3333 4444 5555 6666 777
RO11 2222 3333 4444 5555 6666
FR11 2222 3333 4444 5555 6666 777
SM11 2222 3333 4444 5555 6666 777
PT11 2222 3333 4444 5555 6666 7
SA11 2222 3333 4444 5555 6666
SN11 2222 3333 4444 5555 6666
RS11 2222 3333 4444 5555 66
SK11 2222 3333 4444 5555 6666
SI11 2222 3333 4444 555
ES11 2222 3333 4444 5555 6666
SE11 2222 3333 4444 5555 6666
CH11 2222 3333 4444 5555 6
TG11 2222 3333 4444 5555 6666
TN11 2222 3333 4444 5555 6666
TR11 2222 3333 4444 5555 6666 77
AE11 2222 3333 4444 5555 666
GB11 2222 3333 4444 5555 66
VG11 2222 3333 4444 5555 6666
Page 66 of 94
ADDENDUM 1.3
Currency Cutoff time deadlines
Cut-off Guide
This assumes the deal has cleared workflow and Western Union Business Solutions has irrevocable cleared funds or
client has available credit.
DC
AED
ALL
AMD
ANG
AOA
ARS
AUD HV
AUD LV
AZN
BAM
BBD
BDT
BGN
BHD
BIF
BMD
BND
BOB
BRL
BSD
BTN
BWP
BYR
BZD
CAD HV
CAD LV
CHF
CLP
CNY
CNY
MDE
2:25am
1:55am
2:45am
UK
7:25am
6:55am
7:45am
Same Day
CZ/FR/ZU
SG/HK
8:25am
7:55am
8:45am
3:25pm
1:55pm
2:45pm
AU
NZ
6:25pm
8:25pm
3:55pm
4:45pm
DC
6:55am
8:55pm
6:55pm
12:55am
9:55pm
7:55pm
1:55pm
3:55am
2:55am
8:55pm
5:55am
5:55am
11:55pm
One Day
CZ/FR/ZU SG/HK
AU
NZ
10:55am
11:55am
11:55am
12:55pm
5:55pm
6:55pm
7:55pm
5:30am
6:30am
12:30pm
2:30pm
UK
Two Day
CZ/FR/ZU
SG/HK
AU
NZ
1:00pm
2:25pm
1:00pm
1:00pm
2:25pm
6:00pm
7:25pm
6:00pm
6:00pm
7:25pm
7:00pm
8:25pm
7:00pm
7:00pm
8:25pm
2:00am
3:25am
2:00am
2:00am
3:25am
5:00am
6:25am
5:00am
5:00am
6:25am
7:00am
8:25am
7:00am
7:00am
8:25am
1:00pm
1:00pm
1:00pm
1:00pm
1:00pm
6:00pm
6:00pm
6:00pm
6:00pm
6:00pm
7:00pm
7:00pm
7:00pm
7:00pm
7:00pm
2:00am
2:00am
2:00am
2:00am
2:00am
5:00am
5:00am
5:00am
5:00am
5:00am
7:00am
7:00am
7:00am
7:00am
7:00am
1:00pm
1:00pm
1:00pm
1:00pm
2:25pm
1:00pm
1:00pm
6:00pm
6:00pm
6:00pm
6:00pm
7:25pm
6:00pm
6:00pm
7:00pm
7:00pm
7:00pm
7:00pm
8:25pm
7:00pm
7:00pm
2:00am
2:00am
2:00am
2:00am
3:25am
2:00am
2:00am
5:00am
5:00am
5:00am
5:00am
6:25am
5:00am
5:00am
7:00am
7:00am
7:00am
7:00am
8:25am
7:00am
7:00am
8:55pm
1:00pm
1:00pm
6:00pm
6:00pm
7:00pm
7:00pm
2:00am
2:00am
5:00am
5:00am
7:00am
7:00am
1:00pm
7:30pm
6:00pm
12:30pm
7:00pm
1:30pm
2:00am
5:00am
9:30pm
7:00am
11:30pm
10:55pm
10:55pm
7:55am
7:55am
1:55am
4:30pm
12:30am
DC
5:55pm
6:45pm
5:55am
3:55pm
1:55pm
7:55am
UK
4:30pm
Page 67 of 94
DC
UK
CNY HK Client to SCB
CNY HK Client
COP
CRC
CVE
9:55am
2:55pm
CZK
DJF
5:25am
10:25am
DKK
DOP
DZD
EGP
ERN
ETB
Same Day
CZ/FR/ZU
SG/HK
AU
NZ
DC
UK
One Day
CZ/FR/ZU SG/HK
AU
NZ
DC
UK
Two Day
CZ/FR/ZU
SG/HK
AU
NZ
12:30pm
9:30pm
3:55pm
10:55pm
1:55am
3:55am
11:25am
6:25pm
9:25pm
11:25pm
1:00pm
1:00pm
1:00pm
6:00pm
6:00pm
6:00pm
7:00pm
7:00pm
7:00pm
2:00am
2:00am
2:00am
5:00am
5:00am
5:00am
7:00am
7:00am
7:00am
1:00pm
6:00pm
7:00pm
2:00am
5:00am
7:00am
1:00pm
1:00pm
1:00pm
1:00pm
1:00pm
6:00pm
6:00pm
6:00pm
6:00pm
6:00pm
7:00pm
7:00pm
7:00pm
7:00pm
7:00pm
2:00am
2:00am
2:00am
2:00am
2:00am
5:00am
5:00am
5:00am
5:00am
5:00am
7:00am
7:00am
7:00am
7:00am
7:00am
AU
NZ
EUR Cut-off Times

Institution or Country
DC
UK
Same Day
CZ/FR/ZU SG/HK
AU
NZ
EUR to Switzerland
EUR to CSOB CZ
EUR LV to CITI
EUR to ING PL
EUR to KOM CZ
EUR HV
EUR SEPA
7:55am
10:55am
5:50am
11:55am
9:55am
10:25am
7:25am
12:55pm
3:55pm
11:50am
4:55pm
2:55pm
3:25pm
12:25pm
1:55pm
4:55pm
12:50pm
5:55pm
3:55pm
4:25pm
1:25pm
9:55pm
12:55am
8:50pm
1:55am
11:55pm
12:25am
9:25am
11:55pm
2:55am
10:50pm
3:55am
1:55am
2:25am
11:25am
7:55pm
10:55pm
6:50pm
11:55pm
9:55pm
10:25pm
7:25pm
DC
UK
One Day
CZ/FR/ZU SG/HK
EUR Cut-off Times for Singapore Clients for Beneficiary Banks in Hong Kong or Singapore
**If SG clients are sending EUR to an institution not listed below, the above EUR HV/Sepa deadline will apply
Same Day
Client Processing Center/ CCY/ Beneficiary
Bank
SG Client EUR on DBS SG
SG Client EUR on OCBC SG
SG
2:50pm
2:25pm
Page 68 of 94
FJD
GBP HV
GBP LV
GBP LV
Non-UK
GBP on
Credit
Suisse
GEL
GHS
GMD
GNF
GTQ
GYD
HKD HV
HKD LV
HKD for
SG Client
to
OCBCSG
HNL
HRK
HTG
HUF
IDR
ILS
INR
ISK
JMD
JOD
JPY HK
Client to
HASEHK
JPY
KES
KGS
KHR
KMF
KRW
DC
UK
10:55pm
10:15am
3:55am
3:15pm
Same Day
CZ/FR/ZU SG/HK
4:55am
4:15pm
10:55am
10:15pm
AU
12:55pm
12:15am
NZ
DC
UK
One Day
CZ/FR/ZU SG/HK
AU
NZ
DC
UK
Two Day
CZ/FR/ZU SG/HK
AU
NZ
2:55pm
2:15am
9:20pm
8:50am
6:55am
11:55am
12:55am
7:55pm
22:55pm
9:55am
10:55am
4:55pm
6:55pm
8:50pm
22:50pm
12:50am
12:55am
7:00am
4:55am
2:50pm
12:00pm
1:00pm
8:00pm
11:00pm
1:00pm
10:25am
6:00pm
3:25pm
7:00pm
4:25pm
2:00am
10:25pm
5:00am
12:25am
7:00am
2:25am
1:00pm
1:00pm
1:00pm
6:00pm
6:00pm
6:00pm
7:00pm
7:00pm
7:00pm
2:00am
2:00am
2:00am
5:00am
5:00am
5:00am
7:00am
7:00am
7:00am
1:00pm
1:00pm
1:00pm
6:00pm
6:00pm
6:00pm
7:00pm
7:00pm
7:00pm
2:00am
2:00am
2:00am
5:00am
5:00am
5:00am
7:00am
7:00am
7:00am
1:00pm
6:00pm
7:00pm
2:00am
5:00am
7:00am
2:2pam
1:00pm
7:25pm
6:00pm
8:25pm
7:00pm
3:25am
2:00am
6:25am
5:00am
8:25am
7:00am
2:25pm
1:00pm
1:00pm
1:00pm
7:25pm
6:00pm
6:00pm
6:00pm
8:25pm
7:00pm
7:00pm
7:00pm
3:25am
2:00am
2:00am
2:00am
6:25am
5:00am
5:00am
5:00am
8:25am
7:00am
7:00am
7:00am
1:00am
8:55pm
9:55pm
2:55am
3:55am
9:55am
11:55pm
1:55pm
8:00am
9:25am
2:25pm
3:25pm
10:25pm
1:25am
3:25am
6:15am
3:30am
11:15pm
8:30am
12:15pm
9:30am
7:15pm
10:15pm
12:15am
21:55pm
23:55pm
1:55am
5:55pm
10:55pm
11:55pm
5:55am
7:55am
9:55am
4:55am
9:55am
10:55am
4:55pm
6:55pm
8:55pm
10:30am
11:25am
4:25am
5:25am
11:25am
1:25pm
3:25pm
Page 69 of 94
KWD
KYD
KZT
LAK
LBP
LKR
LSL
LTL
MAD
MGA
MKD
MOP
MRO
MUR
MVR
MWK
MXN
MYR
MZN
NAD
NGN
NIO
NOK HV
NOK LV
NPR
NZD HV
NZD LV
NZD HK
Client to
HASEHK
NZD SG
Client to
OCBCSG
OMR
PAB
PEN
PGK
PHP
PKR
DC
10:55pm
4:25am
UK
3:55am
9:25am
Same Day
CZ/FR/ZU SG/HK
4:55am
10:25am
10:55am
4:25pm
AU
12:55pm
8:25pm
NZ
DC
1.00pm
2:00pm
9:00pm
11:55pm
One Day
CZ/FR/ZU
SG/HK
AU
NZ
Two Day
CZ/FR/ZU
SG/HK
DC
UK
AU
NZ
1:00pm
1:00pm
1:00pm
1:00pm
1:00pm
10:25am
3:55pm
6:00pm
6:00pm
6:00pm
6:00pm
6:00pm
3:25pm
8:55pm
7:00pm
7:00pm
7:00pm
7:00pm
7:00pm
4:25pm
9:55pm
2:00am
2:00am
2:00am
2:00am
2:00am
10:25pm
3:55am
5:00am
5:00am
5:00am
5:00am
5:00am
12:25am
5:55am
7:00am
7:00am
7:00am
7:00am
7:00am
2:25am
7:55am
1:00pm
1:00pm
1:00pm
1:00pm
6:00pm
6:00pm
6:00pm
6:00pm
7:00pm
7:00pm
7:00pm
7:00pm
1:00am
1:00am
2:00am
2:00am
3:00am
3:00am
5:00am
5:00am
5:00am
5:00am
7:00am
7:00am
12:00pm
9:25am
5:00pm
2:25pm
6:00pm
3:25pm
12:00am
9:25pm
2:00am
11:25pm
4:00am
1:25am
1:00pm
9:25am
12:25pm
6:55am
1:00pm
6:00pm
2:25pm
5:25pm
11:55am
6:00pm
7:00pm
3:25pm
6:25pm
12:55pm
7:00pm
1:00am
9:25pm
12:25am
6:55pm
1:00am
3:00am
11:25pm
2:25am
8:55pm
3:00am
5:00am
1:25am
4:25am
10:55p
5:00am
1:00pm
6:00pm
7:00pm
2:00am
5:00am
7:00am
2:25pm
1:00pm
7:25pm
6:00pm
8:25pm
7:00pm
2:25am
2:00am
4:25am
5:00am
6:25am
7:00am
1:00pm
6:00pm
7:00pm
1:00am
3:00am
5:00am
2:55pm
8:25pm
5:30am
8:00am
UK
10:30am
11:30am
5:30pm
7:30pm
9:30pm
2:00am
9:40am
2:50am
2:40pm
7:50am
3:40pm
8:50am
9:40pm
2:50pm
11:40pm
4:50pm
1:40am
6:50pm
11:30pm
3:00am
4:30am
8:00am
5:30am
9:00am
11:30am
3:00pm
1:30pm
5:00pm
3:30pm
7:00pm
3:00am
8:00am
9:00am
3:00pm
5:00pm
7:00pm
4:30pm
8:00pm
1:00am
2:00am
8:00am
10:00am
12:00pm
12:25am
5:25am
6:25am
12:25pm
2:25pm
4:25pm
12:00a
4:55am
9:55am
10:55am
4:55pm
6:55pm
5:00am
6:00am
12:00pm
2:00pm
4:00pm
8:55pm
Page 70 of 94
DC
PLN
PYG
QAR
RON
RSD
RWF
SAR
SBD
SCR
SEK
SGD HV
SGD LV
UK
Same Day
CZ/FR/ZU SG/HK
AU
NZ
7:00am
12:00am
1:00pm
7:00pm
9:00pm
11:00pm
12:55am
5:55am
6:55am
12:55pm
2:55pm
4:55pm
DC
7:55am
2:55am
7:55am
8:55am
4:55pm
UK
12:55am
One Day
CZ/FR/ZU SG/HK
1:55pm
7:55pm
AU
9:55pm
NZ
DC
UK
Two Day
CZ/FR/ZU
SG/HK
AU
NZ
1:00pm
6:00pm
7:00pm
2:00am
5:00am
7:00am
2:25pm
1:00pm
7:25pm
6:00pm
8:25pm
7:00pm
3:25am
2:00am
6:25am
5:00am
8:25am
7:00am
1:00pm
6:00pm
7:00pm
1:00am
3:00am
5:00am
1:25am
6:25am
7:25am
1:25pm
3:25pm
5:25pm
11:55pm
6:55am
12:25am
11:55am
5:25am
12:55pm
6:25am
6:55pm
12:25pm
8:55pm
2:25pm
10:55pm
4:25pm
5:15am
10:15am
11:15am
5:15pm
7:15pm
9:15pm
6:55pm
SGD Cut-off Times for Singapore Clients for Beneficiary Banks in Singapore
Same Day
Client Processing Center/ CCY/ Beneficiary Bank

SG Client SGD on DBS SG
SG Client SGD on HSBC SG
SG Client SGD on OCBC SG
SG Client SGD on SCB SG
SG Client SGD on all other beneficiary banks
Same Day
DC
UK
CZ/FR/ZU SG/HK
SLL
SRD
STD
SZL
THB
TND
TOP
TRY
TTD
TWD
TZS
UGX
UAH
UHX
SG/HK
1:30pm
3:00pm
1:30pm
5:00pm
1:30pm
AU
NZ
DC
7:00am
1:25am
9:55pm
5:55am
6:25am
2:55am
10:55am
7:25am
3:55am
11:55am
1:25pm
9:55am
5:55pm
3:25pm
11:55pm
7:55pm
5:25pm
1:55pm
9:55pm
12:00pm
5:00pm
6:00pm
12:00am
2:00am
4:00am
7:00am
UK
12:00pm
12:00pm
One Day
CZ/FR/ZU
SG/HK
1:00pm
3:00pm
7:00pm
1:00pm
AU
9:00pm
11:00pm
NZ
Two Day
CZ/FR/ZU
SG/HK
DC
UK
AU
NZ
1:00pm
1:00pm
1:00pm
10:25am
6:00pm
6:00pm
6:00pm
3:25pm
7:00pm
7:00pm
7:00pm
4:25pm
2:00am
2:00am
2:00am
10:25pm
5:00am
5:00am
5:00am
12:25am
7:00am
7:00am
7:00am
2:25am
1:00pm
6:00pm
7:00pm
1:00am
3:00am
5:00am
10:25am
9:00am
9:00am
3:25pm
2:00pm
2:00pm
4:25pm
3:00pm
3:00pm
10:25pm
9:00pm
9:00pm
12:25pm
2:25pm
1:00am
1:00am
11:00pm
1:00am
Page 71 of 94
11:00pm
11:00pm
USD Cut-off Times
Hong Kong & Singapore Clients USD to beneficiary banks Hong Kong or Singapore cut-off times
**If beneficiary bank is outside of Hong Kong or Singapore, please locate USD cutoff times below
Same Day
Hong Kong & Singapore
HK Client USD to HSBC HK
HK Client USD to SCB HK
HK Client USD to HASE HK
HK Client USD to Hong Kong
SG Client USD to OCB SG
SG Client USD to DBS SG
SG Client USD to HSBC SG
SG Client USD to SCB SG
4:30pm
4:30pm
4:30pm
4:30pm
1:00pm
1:30pm
3:00pm
5:00pm
Cut-off times for specific beneficiary banks for all clients

DC
UK
Same Day
CZ/FR/ZU
SG/HK
AU
NZ
USD to CSOB in Czech Rep
5:30am
10:30am
11:30am
5:30pm
7:30pm
9:30pm
USD to Credit Suisse in

Switzerland
7:30am
12:30pm
1:30pm
7:30pm
9:30pm
11:30pm
USD to ING in Poland
9:30am
2:30pm
3:30pm
9:30pm
11:30pm
1:30am
USD HV
USD LV
USD LV
on
Canada
UYU
UZS
VND
VUV
WST
XAF
XCD
XOF
DC
4:55pm
10:50pm
5:55am
UK
9:55pm
3:50am
10:55am
Same Day
CZ/FR/ZU
SG/HK
10:55pm
4:50am
11:55am
2:55am
10:50am
5:55pm
AU
4:55am
12:50pm
7:55pm
NZ
DC
UK
One Day
CZ/FR/ZU SG/HK
AU
NZ
Two Day
CZ/FR/ZU
SG/HK
DC
UK
1:30pm
1:30pm
1:00pm
6:30pm
6:30pm
6:00pm
7:30pm
7:30pm
7:00pm
1:00pm
1:00pm
6:00pm
6:00pm
7:00pm
7:00pm
AU
NZ
1:30am
1:30am
1:00am
3:30am
3:30am
3:00am
5:30am
5:30am
5:00am
1:00am
1:00am
3:00am
5:00am
5:00am
6:55am
7:30pm
12:30am
1:30am
7:30am
9:30am
11:30am
9:30pm
2:30am
3:30am
9:30am
11:30am
1:30pm
2:50pm
9:55pm
7:00am
12:00pm
3:00pm
1:00pm
11:00pm
1:00am
Page 72 of 94
3:00am
DC
XPF
YER
ZAR
ZMW
UK
Same Day
CZ/FR/ZU SG/HK
AU
NZ
10:55pm
3:55am
4:55am
10:55am
12:55pm
2:55pm
7:15am
12:15pm
1:15pm
7:15pm
9:15pm
11:15pm
DC
UK
One Day
CZ/FR/ZU SG/HK
AU
NZ
Page 73 of 94
DC
UK
Two Day
CZ/FR/ZU SG/HK
AU
NZ
1:00pm
6:00pm
7:00pm
2:00am
5:00am
7:00am
10:25am
3:25pm
4:25pm
10:25pm
12:25pm
2:25am
ADDENDUM 1.4
Best Practices Country Quick Guide
BEST PRACTICES
Below identifies the best practices recommendations for payments remitted to the countries
listed below. In some instances these best practice recommendations may request more
information than what is required by Western Union Business Solutions, however this
information will assist in minimizing any potential issues encountered and expedite receipt of
the funds to the beneficiary.
Contact Name
at Organization
Beneficiary
Address and/ or
Phone Number
Beneficiary ID
and/ or
Authorization
Required
Purpose of
Payment
Bank Branch
Address
Bank Branch
Routing Code
SWIFT/ BIC
Afghanistan
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antigua & Barbuda
Argentina
Armenia
Aruba
Australia
Austria
Azerbaijan, Republic of
Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bosnia & Herzegovina
Botswana
Bouvet Island
Brazil
Brunei Darussalam
Bulgaria
Burkina Faso
Burundi
Formatted
Account
Structure
Country
Page 74 of 94
Contact Name
at Organization
Beneficiary
Address and/ or
Phone Number
Beneficiary ID
and/ or
Authorization
Required
Purpose of
Payment
Bank Branch
Address
Bank Branch
Routing Code
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Chad
Chile
China
Christmas Island
Cocos (Keeling) Islands
Colombia
Comoros
Congo, Republic of
Congo, Democratic Republic
Cook Islands
Costa Rica
Cote d'Ivoire
Croatia
Cyprus
Czech Republic
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Guyana
French Polynesia
French Southern Territories
Gabon
Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
SWIFT/ BIC
Formatted
Account
Structure
Country
Page 75 of 94
Contact Name
at Organization
Beneficiary
Address and/ or
Phone Number
Beneficiary ID
and/ or
Authorization
Required
Purpose of
Payment
Bank Branch
Address
Bank Branch
Routing Code
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Heard Islands & McDonald Islands
Holy See (Vatican City)
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iraq
Ireland
Isle of Man
Israel
Italy
Jamaica
Japan
Jersey, Channel Islands
Jordan
Kazakhstan
Kenya
Kiribati
Kosovo
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Macedonia
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
SWIFT/ BIC
Formatted
Account
Structure
Country
Page 76 of 94
Contact Name
at Organization
Beneficiary
Address and/ or
Phone Number
Beneficiary ID
and/ or
Authorization
Required
Purpose of
Payment
Bank Branch
Address
Bank Branch
Routing Code
Mozambique
Namibia
Nauru
Nepal
Netherlands
Netherlands Antilles
New Caledonia
New Zealand
Nicaragua
Niger, Republic of
Nigeria
Norway
Northern Mariana Islands
Oman
Pakistan
Palestine, State of
Panama
Panama Canal Zone
Papua New Guinea
Paraguay
Peru
Philippines
Poland
Portugal
Puerto Rico
Qatar
Romania
Reunion
Russia
San Marino
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Slovak Republic
Slovenia
Solomon Islands
Somalia
South Africa
South Korea
Spain
Sri Lanka
St Pierre and Miquelon
Sudan
Suriname
Svalbard & Jan Mayen Islands
Swaziland
Sweden
Switzerland
Syria
Taiwan
Tajikistan
Tanzania
SWIFT/ BIC
Formatted
Account
Structure
Country
Page 77 of 94
Contact Name
at Organization
Beneficiary
Address and/ or
Phone Number
Beneficiary ID
and/ or
Authorization
Required
Purpose of
Payment
Bank Branch
Address
Bank Branch
Routing Code
Turks & Caicos Islands

Tuvalu
Uganda
Ukraine
United Kingdom
United States
Uruguay
Uzbekistan
Vietnam
Vanuatu
Yemen
Zambia
SWIFT/ BIC
Thailand
Togo
Tokelau
Tonga
Trinidad & Tobago
Tunisia
Turkey
Turkmenistan
Formatted
Account
Structure
Country
Page 78 of 94
ADDENDUM 1.5
DOCUMENT MODIFICATION HISTORY
VERSION
2.12
CURRENCY/SECTION
CHANGE COMMENTS
EEK
Updated country codes and currency abbreviations to reflect

ISO 4217
Recommended using IBAN for payments into countries where
IBAN is established and recognized.
Renamed to RSD per ISO 4217
Additional considerations; recommend beneficiary present
invoice to bank when receiving payment
Tax ID NIT (10 Digits)
Currency activated
EUR
Low Value eligible countries defined
FJD
Routing code requirement & account length.
HTG
All Currencies
IBAN
CSD
COP
INR
Currency activated
Contact Name at Beneficiary Organization & Telephone
required
11 digit IFSC required
Addendum 1.6 Added
Best Practices Quick Guide
CNY
Field formatting & field mapping
Kazakhstan
IBAN Added & Required for payments to Kazakhstan
GEL
IBAN added
IDR
Payment invoice requirement removed
KWD
IBAN requirement added
LBP
MRO
IBAN recommended
TND
IBAN/BBAN requirement added
UAH
Requirements added
IBAN requirement updated

Added to Country Requirements
IBAN structure added to Addendum 1.1 & Addendum 1.5
Purpose of payment requirement added
Addendum 1.6 updated
Section added advising users to verify the beneficiary bank

country domestic currency requirements when sending foreign
exchange wires to the specified country.
Routing Code requirement removed; SWIFT code requirement

added
Beneficiary Bank Country requirement added
NIO
2.13
2.14
CZK
LBP
PKR
Kazakhstan
Maximizing the use of this
document
FJD
PHP
Page 79 of 94
DOCUMENT MODIFICATION HISTORY CONTINUED

VERSION
2.2
CURRENCY/SECTION
MRO
Added Checking or Savings Acct Requirement

IBAN Structure & Recommendation added
Added Additional Considerations
Added SWIFT Requirement & IFSC placement in SWIFT
Branch Details field
Added Section pertaining to the formatting of Non-SWIFT BICs
Added Section pertaining to the formatting of payments with
offline ABAs
Added GL & FO as Country Codes for IBAN
Updated to reflect all IBAN formats with the IBAN Registry
(ISO 13616)
Effective January 1 2012 MRO payments will require an IBAN
VEF
Removed as currency is not offered
CRC
IBAN Structure & Recommendation added
KES
Added Proof of Payment Invoice Requirement
TZS
HTG
Added Proof of Payment Invoice Requirement

Added Beneficiary Address Requirement
Added Proof of Payment Requirement
Added Beneficiary Address Requirement
AED
BHD
PEN
Added ID requirement and format
IBAN Quick Guide
Updated Netherlands IBAN to 18 digits
GP/GP+/Portal Quick Guide
Removed; see best practice guide and currency requirements
KGS
DOP
TWD
INR
Non-SWIFT BICs
Offline ABA
DKK
IBAN Quick Guide
2.3
JPY
2.4
CHANGE COMMENTS
DOP
Added Kyrgyzstani Som

Use of Intermediary Banks CLABE for cross-border MXN is
required
Use of Intermediary Banks CLABE for cross-border MXN is
required
System specific quick guides removed
Azerbaijan IBANs required; all payments after September 2
2012 without an IBAN will be rejected
Moldova IBAN implemented; all payments after December 31
2012 without an IBAN will be rejected.
Beneficiary bank address added to SWIFT Branch Details
requirement added
IBAN added
CRC
IBAN added; requirements updated
GBP Sort Code Checker
Sort Code Checker Hyperlink added under GBP currency
GHS
Beneficiary address requirement added
GMD
Beneficiary bank routing code removed
Madagascar IBAN
MGA Format added; recommended
MXN
MXN Account number (Clabe) validator added
XAF
Added IBAN format

Updated to reflect SEPA countries; added hyperlink to verify
SEPA eligible SWIFT/BICs and institutions
Payments to Mexico
MXN
Quick Guides
Azerbaijan IBAN
Moldova IBAN
BDT
EUR IBAN Section
Page 80 of 94

VERSION
2.4 Continued
CURRENCY/SECTION
Pakistan IBAN
Added European & Non-European IBANs to IBAN Guide (80+

Countries IBANs documented)
Pakistan requiring IBAN effective December 31st 2012
Guatemala IBAN
Guatemala IBAN effective July 1st 2014
STD
San Tomeo Dobra added
AUD
CNY
BSB Code search URL added

Additional Consideration to clarify certain BSB are Least
Cost/LV/ACH specific
BDT cannot be credited to foreign currency accounts
belonging to beneficiaries in Bangladesh
Requirement added beneficiary bank branch address
Currency added
Requirements & recommendations added
Requirement added for 12 digit CNAPs code
CNH
Requirements added
DKK
EGP
IBAN format updated

Domestic beneficiary bank account format requirement added
Purpose of payment recommendation added
Additional considerations added
ERN
Beneficiary bank address requirement added
GBP
KMR
Updated sort code checker URL

Purpose of payment requirement and codes added
Indian NGO FCRA Registration numbers added
Beneficiary bank branch address added
KZT
Currency and requirements added
LKR
Recommendation for 7 digit branch code
NGN
IBAN Guide
2.5
BDT
BOB
BRL
DZD
INR
RON
Domestic account number added; NUBAN

IBAN added; as of June 2013 all domestic and cross border
payments into Pakistan should have an IBAN
Additional considerations for paying State Treasury Accounts
RUB
Currency and requirements added
SGD
Requirements updated; SWIFT and routing code required
STD
IBAN length updated

IBAN usage for cross border, recommendations added for
paying US territories
Resident and non-resident account number formats for
Standard Bank of South Africa account holders updated
Updated to Least Cost/Low Value Quick Guide
Updated IBANs for Brazil, Guinea Bissau, State of Palestine,
Togo
Cutoff times updated for CHF, EUR to Switzerland, USD to
Credit Suisse.
PKR
USD
ZAR
Addendum 1.1
Addendum 1.2
Addendum 1.3
2.6
CHANGE COMMENTS
Addendum 1.4
Country guide updated
KZT
Changed the country code from KW to KZ for IBAN formatting
JMD
Requirement Added Bene Account Type
Currency Guidelines
Updated SGD for Low Value
Page 81 of 94

VERSION
CURRENCY/SECTION
2.6 Continued
NOK
NOK ACH added to currency guidelines
SGD
SGD ACH note added
BRL
IBAN note removed
CAD
NON-CAD currency information added
INR
Purpose of payment updated
JMD
Beneficiary account type added
NOK
Low value requirements updated
NZD
Beneficiary account number updated
RUB
Required details updated
UAH
Currency name corrected
XOF
Payment details updated
ZMW
Currency abbreviation updated
Addendum 1.1
NOK added
Addendum 1.1
NZD beneficiary account number updated
Addendum 1.3
NOK Low value cut off times updated
Addendum 1.3
Zambian Kwacha currency abbreviation updated ZMW
Addendum 1.4
Uruguay, Uzbekistan, Vietnam, Vanuatu, Zambia added
AUD
Notes updated
CNY
Requirements updated
EUR
Notes updated
CAD
Beneficiary Address updated to recommended
ANG
Purpose of payment required
AMD
Beneficiary full name and address
AZN
Additional Considerations: Beneficiary Tax ID
ILS
Swift requirements to include 8-11 digits
INR
Swift required as well as IFCS
MAD
IBAN removed and Account number required
MAD
Addendum 1.3 Cut off times amended
QAR
IBAN Requirement added and additional notes
JOD
IBAN Requirement added and additional notes
RUB
VO codes updated
GTQ
IBAN Recommended but mandatory after 1st July
ALL
Additional Considerations: less than $25 dollar equivalent
AOA
IBAN made mandatory
AZN
Beneficiary Tax ID Required
BGN
Additional Considerations: added.
BIF
Beneficiary Telephone number required
BMD
Beneficiary address note added
BRL
Exact Bank Location needed if swift eight digits
COP
DOP
Beneficiary Telephone number required
GEL
HNL
Required Beneficiary Account Type
2.7
CHANGE COMMENTS

Page 82 of 94
VERSION
CURRENCY/SECTION
2.7 Continued
HTG
CHANGE COMMENTS
Required Reason for Payment
SLL
GUIDELINE ADDITIONAL
REQUIREMENTS
TND
Note of non-allowance of P.O Box addresses
IBAN Recommended
SCR
Required Beneficiary Details and Ordering Party Details
IBAN Formatting Guide
Morocco IBAN Number Updated to twenty four
GEL
Additional considerations payment advise to beneficiary bank
KES
Required Routing Code
USD
Guam added to domestic fedwire
PHP
Additional considerations swift updates
ARS
Purpose of Payment
UAH
Purpose of Payment
INR
INR POP codes updated
KRW
RECOMMENDED: Beneficiary ID
INR
Purpose of Payment
BHD
Purpose of Payment
HUF
Purpose of Payment
ILS
Purpose of Payment
JOD
Purpose of Payment
KWD
Purpose of Payment
OMR
Purpose of Payment
TND
Purpose of Payment
TRY
Purpose of Payment
ILS
Additional considerations ILS to Palestine
XCD
Beneficiary Bank Country
EUR
France IBAN Updated for Cle RIB
AED
BHD
HUF
ILS
ISK
JOD
KWD
MAD
OMR
QAR
THB
TND
TRY
INR
SCR
PKR
Page 83 of 94
VERSION
CURRENCY/SECTION
2.7 Continued
EGP
LTL
LVL
Currency removed
LVL
Addendum 1.3 Cut off time removed
CAD
Additional consideration removed for Non-cad
JMD
Required transit code
ARS
Required beneficiary address
TZS
Invoice requirement removed
UZS
Required Contact name and telephone number
INR
Swift Eight to Eleven digits
GTQ
IBAN required and not recommended
AUD
BIC/Swift and Routing BSB code required
AUD
BIC/Swift updated to include eight or eleven digit SWIFT code
PLN
IBAN Required & other details removed
MXN
2.8
AUD
Addendum 1.3 Cut off times updated

Addendum 1.3 Cut off times removed as we do not offer
currency
Addendum 1.3 Cut off times for HV updated
CNH to mainland China
Purpose of payment code required & Table of codes added
JMD
BIC/SWIFT or Transit Code required

Komercni Bank requirement of full payers & bene details
required.
Addendum 1.3 Cut off times updated HV & LV
ZWD
USD
GBP
EUR
BIF
Addendum 1.3 Cut off times updated HV & LV

Bank Name and Address required on payments with account
number and sort code.
Country abbreviation corrected and updated to BF
PKR
NGO requirements added
Addendum 1.4
Multiple countries POP requirement updated
Addendum 1.4
Seychelles added
Addendum 1.4
Sierra Leone added
Addendum 1.4
Yemen added
ILS
Beneficiary Address required on payments to Palestine
PKR
IBAN Required
KRW
Beneficiary ID required
Addendum 1.1
Croatia added to SEPA Network
GNF
BBAN Requirement added with a fixed length
PYG
Beneficiary TAX ID required
DZD
Purpose of payment required
RUB
Account length changed from 20 to 29
LTL
Additional considerations LTL change to EUR
AED
AUD
AUD LV
AUD
BHD
Addendum 1.3 Cut offbusiness.westernunion.com

times amended
GBP
2.9
CHANGE COMMENTS
CNH
Page 84 of 94
VERSION
CURRENCY/SECTION
2.9 Continued
EGP
EUR
EUR LV
GBP
GBP LV
HKD
HKD LV
HUF
ILS
INR
ISK
JOD
JPY
KWD
LTL
MAD
MXN
OMR
PKR
QAR
SCR
TND
TRY
USD
SGD ACH
SGD ACH for Singapore only removed
NZD
Updated to make example 9-10 digits
LTL
Removal of LTL
CNH
Purpose of payment codes
CNY
PGK
Purpose of payment removed.
JOD
BDT
Beneficiary nationality required for individual.
ANG
Full beneficiary details needed name and address
PGK
ARS
CUIT# for individuals added
AUD
Low value requirements account length added.
SAR
CAD
Bene Swift/BIC updated to eight to eleven
CNY
POP Code requirement removed
CNY
Additional consideration added
CNH
Recommended CNAPS
EUR IBAN
Croatia added
HKD
Beneficiary branch routing code replaced by swift
3.0
Page 85 of 94
CHANGE COMMENTS
VERSION
CURRENCY/SECTION
3.0 Continued
HKD LV
HK branch code replaced with swift
ILS
Additional consideration note updated with compliance check.
JMD
Or bullet point removed
JPY
Note about postal bank added
KGS
KRW
Beneficiary ID removed
NZD
Account length example added to HV requirements
PGK
POP required added
PKR
CNIC\Passport number removed
SGD
Account length example added to LV requirements
USD
Ireland added to USD cross boarder info
XOF
IBAN length changed to 24 28
NZD
Swift requirement added to HV
NZD
Swift requirement added to LV
HKD
ACH Routing code
BIF
Country abbreviation corrected and updated to BI
CAD
Bene address needed if cross border.
UAH
Note added about contacting WUBS first to place UAH deal.
JMD
Transit code removed and routing code required
INR
Nature of relationship removed
INR
FCRA required for NGOs
JOD
Purpose of payment code required.
KZT
Bene tax ID changed to Bene ID (BIN or IIN)
PKR
Required for NGOs CNIC
PKR
Additional consideration updated
QAR
Additional consideration removed
RSD
Kosovo requirements added
SGD
Branch code note updated
XAF
XAF
Congo and Gabon note added
BDT
Additional consideration note added.
RUB
Additional consideration note added.
RUB
Purpose of payment double bracket needed for VO code
GNF
Additional consideration note added
BIF
Country abbreviation changed
INR
Additional considerations FCRA Certificate note added
ISK
Currency added
AED
UAH
Currency removed
PAB
Beneficiary address required
MYR
Additional consideration added.
BRL
Full name or Contact name at beneficiary organization or entity
ILS
Requirements for Palestine removed
KRW
Full beneficiary address needed
SCR
Ordering party changed to Remitter
USD
Note added for USD to Ukraine
3.1
Page 86 of 94
CHANGE COMMENTS
VERSION
CURRENCY/SECTION
CHANGE COMMENTS
3.1 Continued
UAH
Currency removed
Addendum 1.4
Guinea updated
XAF
Recommended removed
ALL
INR
NA and EMEA POP description attachment added
AED
ALL
AMD
ANG
AOA
ARS
AUD HV
AUD LV
AZN
BAM
BBD
BDT
BGN
BHD
BIF
BMD
BND
BOB
BRL
BSD
BTN
BWP
BYR
BZD
CAD HV
CAD LV
CHF
CSD
CYP
COP
CRC
CVE
CZK
DJF
DKK
DOP
DZD
EGP
ERN
ETB
FJD
Page 87 of 94
VERSION
CURRENCY/SECTION
CHANGE COMMENTS
3.1 Continued
GBP on credit Suisse
GEL
GHS
GMD
GNF
GTQ
GYD
HKD HV
HKD LV
HNL
HRK
HTG
HUF
IDR
ILS
INR
ISK
JMD
KGS
KHR
KMF
KRW
KYD
KZT
LAK
LBP
LKR
MOP
MRO
MYR
NPR
PEN
PYG
RON
RSD
RWF
SLL
SRD
STD
TZS
XAF
XOF
YER
PYG
RUCs are now 11 digits
Page 88 of 94
VERSION
CURRENCY/SECTION
3.2
CAD
Please note added for FIs
CRC
Tax ID info updated
Addendum 1.4
BF IBAN updated
ZMW
Recommended Routing Code (Sort)
UGX
Addendum 1.3 Cut off times added
SGD LV
DC Addendum 1.3 Cut off times amended
USD
Cross boarder information updated
THB
Please note section added about account length
ISK
IBAN requirement updated
KRW
Full name added.
DZD
POP codes updated from 511 onwards
CAD
Cross boader inofrmation updated
EUR
San Marino added to SEPA table
CAD
Maximising the use of this
document
BDT
Low value transit code updated
Cross border risk note added
Eight Eleven digit Bic/Swift
BRL
Beneficiary ID and Beneficiary Tax combined
PHP
Override SWIFTs removed
GNF
18 Digit changed 18 BBAN Number
KZT
Bene bank routing code removed
LKR
Routing code required not recommended
PAB
POP Required
EUR
KRW
Additional considerations updated
KRW
Beneficiary ID requirement removed.
QAR
Purpose of payment requirement
RUB
29 character account number removed
RUB
Bic/swift requirement removed
RUB
VO bracket and sapce requirement removed
RUB
BIK required and not recomended
RUB
Vat requirement removed
RUB
Patronymic name requirement removed
ISK
IBAN format changed
EUR
Moldova country code corrected
IDR
SKN required
IDR
SKN attachment added
PAB
INR
AUD
AUD LV
BWP
BHD
CAD HV
EUR LV to CITI
Add to Addendum 1.3 Cut off times amended
FJD
GBP LV
3.3
CHANGE COMMENTS
Page 89 of 94
VERSION
CURRENCY/SECTION
3.3 Continued
GBP LV Non UK
Add to Addendum 1.3 Cut off times amended
GHS
HKD HV
HKD LV
INR
JPY
KES
LSL
MAD
MGA
MKD
MWK
MYR
MZN
NAD
AZN
IBAN format amended
NGN
NIO
NOK HV
NZD LV
PAB
PGK
PHP
PKR
RON
SAR
SBD
SCR
SGD HV
SGD LV
SKK
Removed from Addendum 1.3
SZL
TOP
TDD
UGX
VND
VUV
WST
XCD
XOF
XPF
ZMW
CRC
IBAN required and length changed to 22 from 21
BDT
Beneficiary telephone number required
RUB
INN removed tax id
RUB
Reference information added
RUB
Value added tax information added
3.4
CHANGE COMMENTS
Page 90 of 94
VERSION
CURRENCY/SECTION
3.4 Continued
RUB
CHANGE COMMENTS
GBP LV
Patronymic Name added

20-digit account number removed from recommended as
required
Overseas territories added
MXN
BRL
Beneficiary registration recommended
AUD
BSB validation amended
BRL
Cadastro recommendations amended
CAD
BIC/SWIFT requirement added
CLP
Bank account number limit added tel number
CLP
Bank country requirement added
CLP
Maximum payment value added
CLP
Telephone number removed
CLP
Address of beneficiary removed
CLP
Account type removed
CNY
Hong Kong requirements added
IDR
Contact information requirement removed
RUB
2016 Western Union Holdings, Inc. All Rights Reserved. The WESTERN UNION name, logo, trade name, trade dress and related trademarks and service marks, owned by
Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries. This material is proprietary to Western Union and cannot be used,
reproduced, copied, displayed, distributed or used to prepare derivative works without the prior written consent of Western Union.
Page 91 of 94
DISCLAIMERS
2016 Western Union Holdings Inc. All rights reserved.
Malta
NORTH AMERICA
Canada
In Malta, Western Union Business Solutions is an operating division of The Western

Union Company. Services in Malta are provided by Western Union Business Solutions
(Malta) Limited, a limited company registered in Malta (Company Number C22339) with
its registered office at Il-Piazzetta, Tower Road, Sliema, SLM 1605, Malta and which is
licensed and regulated by the Malta Financial Services Authority to undertake the
business of financial services in terms of the Financial Institutions Act) (WUBS).
In Canada, Western Union Business Solutions is a division of The Western Union

Company. Services in Canada are provided by Custom House ULC, a company within
the Western Union Business Solutions division.
USA
Italy
In USA, Western Union Business Solutions is a division of The Western Union Company.
Services in the US are provided by Custom House USA, LLC (NMLS ID: 906985) and
Western Union Business Solutions (USA), LLC (NMLS ID: 907333) (collectively referred to
as WUBS or Western Union Business Solutions). For a complete listing of US state
licensing, visit http://business.westernunion.com/about/notices/. For additional information
about Custom House USA, LLC and Western Union Business Solutions (USA), LLC, visit
http://business.westernunion.com/about/compliance/.
In Italy, Western Union Business Solutions is a division of the Western Union Company
and provides services in Italy through Western Unions wholly-owned subsidiary
Custom House Financial (UK) Limited, Italian branch (which does business under the
trade name of Western Union Business Solutions).
EUROPE
Austria
In Austria, Western Union Business Solutions is a division of the Western Union
Company and provides services in Austria through Western Unions wholly-owned
subsidiary, Western Union International Bank GmbH (referred to as WUBS or
Western Union Business Solutions).
Western Union International Bank GmbH is registered in Austria (company number
FN256184t), Schubertring 11, 1010 Vienna, Austria.
Switzerland
In Switzerland, Western Union Business Solutions is a division of The Western Union
Company. Services in Switzerland are provided by Resch International, LLC (Swiss
branch), with a registered place of business at Werdstrasse 2, P.O. Box 2063, 8021
Zurich, Switzerland (referred to as WUBS or Western Union Business Solutions).
Western Union Business Solutions has based the opinions expressed herein on
information generally available to the public. Western Union Business Solutions makes
no warranty concerning the accuracy of this information and specifically
disclaims any liability whatsoever for any loss arising from trading decisions based on
the opinions expressed and information contained herein. Such information and
opinions are for general information only and are not intended to present advice with
respect to matters reviewed and commented upon.
France
In France, Western Union Business Solutions is a division of The Western Union
Company and provides services in France through its wholly-owned subsidiary
Western Union International Bank GmbH, French branch, (referred to as WUBS or
Western Union International Bank GmbH, French branch (RCS Nanterre 750 938 094)
has a registered place of business at Tour Manhattan, 5-6 place de lIris, 92095 Paris
La Dfense Cedex, France and is a branch of Western Union International Bank GmbH
(Registration Number 256184t), an Austrian company whose regsistered office is at
Schubertring 11, 1010 Vienna, Austria.
Custom House Financial (UK) Limited, a company organized and existing under
English law, with Companies House registration number 04380026, registered
offices at 12 Appold street, London EC2A 2AW, authorized by the Financial Conduct
Authority under the payment services regulations 2009 (register reference: 517165)
for the provision of payment services, corporate capital 800,001.00, having as sole
shareholder and therefore subject to the direction and coordination activity of
Western Union Processing Limited, acting through its Italian branch located at via
Virgilio Maroso 50, Rome, Italy 00142, No. of registration with the Companies
Registry of Rome and Tax No.11217361002, enrolled in the Payment Institution
Register (no. 36016.4) held by Bank of Italy
Germany
In Germany, Western Union Business Solutions is a division of the Western Union
Company and provides services in Germany through Western Unions wholly-owned
subsidiary Western Union International Bank GmbH, Germany branch (referred to as
WUBS or Western Union Business Solutions).
Western Union International Bank GmbH, Germany branch, has a registered place of
business at Solmsstrasse 18, 60486 Frankfurt am Main, Germany and is a branch of
Western Union International Bank GmbH (registered in Austria, Registration Number
256184t, Regsistered Office address: Schubertring 11, 1010 Vienna, Austria).
Poland
In Poland, Western Union Business Solutions is a division of The Western Union
Company and provides services in Poland through Western Union International Bank
GmbH, Polish Branch (referred to as WUBS or Western Union Business Solutions).
Western Union International Bank GmbH, Polish Branch (KRS No: 0000458059, NIP
No: 1080015316), has a registered place of business at Al. Jana Pawla II 29, 00-867
Warsaw, Poland, and is a branch of Western Union International Bank GmbH
(registration number 256184t) Schubertring 11, 1010 Vienna, Austria.
United Kingdom
Custom House Financial (UK) Limited (registered in England, Company Number

04380026, Registered Office Address: 12 Appold Street, London EC2A 2AW) is
authorised by the Financial Conduct Authority under the Payment Services Regulations
2009 (Register Reference: 517165) for the provision of payment services and is
registered as an MSB with HM Revenue & Customs (Registered No: 12140130).
Western Union Business Solutions (UK) Limited (registered in England, Company
Number 02854737, Registered Office Address: 12 Appold Street, London, EC2A 2AW) is
authorised by the Financial Conduct Authority under the Payment Services Regulations
2009 (Register Reference: 536611) for the provision of payment services and is
registered as an MSB with HM Revenue & Customs (Registered No: 12122416).
Czech Republic
In the Czech Republic, Western Union Business Solutions is a division of The Western
Union Company and provides services in the Czech Republic through Western Union
International Bank GmbH, organizan sloka (referred to as WUBS or Western
Union Business Solutions).
Western Union International Bank GmbH, organizan sloka is registered in the Czech
Commercial Register held by the Municipal Court in Prague, identification number 015
55 332, has a registered place of business at Vclavsk nm st 62, 110 00 Prague 1,
Czech Republic, and is a branch of Western Union International Bank GmbH
(registration number 256184t) Schubertring 11, 1010 Vienna, Austria.
Western Union International Bank GmbH is a bank registered on a list of banks
maintained by the Austrian Financial Market Authority (Finanzmarktaufsicht). Western
Union International Bank GmbH, organizan sloka is registered on a list of banks and
branches of foreign banks maintained by the Czech National Bank.
ASIA PACIFIC
Australia
In Australia, Western Union Business Solutions is a division of The Western Union
Company. In Australia, Custom House Currency Exchange (Australia) Pty Limited
ABN 95 086 278 659 and AFSL 238290 and/or Western Union Business Solutions
(Australia) Pty Limited ABN 24 150 129 749 and AFSL 404092 (collectively
referred to as WUBS) is the issuer of the financial products (if any) referred to in
this communication.
A Product Disclosure Statement is available for each of the financial products that
WUBS issues (if any) and can be obtained by visiting our compliance and legal
web page. Any advice provided in this communication is general and does not take
account of your financial situation, objectives or needs. Because of this, before you
act on it (including making any decision and/or trading) you should consider its
appropriateness having regard to your own objectives, financial situations and/or
needs.
In the UK, Western Union Business Solutions is a division of The Western Union
Company. Services in the UK are provided by Custom House Financial (UK) Limited
(which does business under the trade name of Western Union Business Solutions) or
Western Union Business Solutions (UK) Limited (collectively referred to as WUBS or
Page 92 of 94
DISCLAIMERS
Before you decide to acquire a financial product from WUBS you should read and
consider the relevant product disclosure statement. This communication has been
prepared solely for informational purposes and does not in any way create any
binding obligations on either party. Relations between you and WUBS shall be
governed by the applicable terms and conditions provided to you before you trade. No
representations, warranties or conditions of any kind, express or implied, are made in
this communication.
New Zealand
In New Zealand, Western Union Business Solutions is a division of The Western
Union Company. In New Zealand, Western Union Business Solutions (Australia) Pty
Ltd, NZ branch (company number 3527631 and FSP 168204) (WUBS) is the issuer
of the financial products (if any) referred to in this communication. A Product Disclosure
Statement is available for each of the financial products that WUBS issues and can be
obtained by visiting http://business.westernunion.co.nz/about/compliance/.
Any advice provide in this communication is class (general) advice only and does not
take account of your financial situation, objectives and/or needs. Because of this,
before you act on it (including making any decisions and/or trading) you should
consider its appropriateness having regard to your own objectives, financial situation
and/or needs. WUBS recommends that you seek personalised (personal) financial
advice from an authorised financial adviser.
This communication has been prepared solely for informational purposes and does not
in any way create any binding obligations on either party. Relations between you and
WUBS will be governed by the applicable terms and conditions provided to you before
you trade. No representations, warranties or conditions of any kind, express or implied,
are made in this communication.
Singapore
In Singapore, Western Union Business Solutions is a division of The Western Union
Company. Depending on the nature and scope of the services, services in Singapore
are provided by Western Union Business Solutions (Singapore) Pte Ltd (WUBS
Singapore) and/or WUBS Financial Services (Singapore) Pte Ltd (WUBS FS
Singapore) (collectively referred to as WUBS).
WUBS FS Singapore is a capital markets services licence holder for leveraged foreign
exchange trading, and an exempt financial adviser for advising others, either directly or
indirectly through publications or writings, and whether in electronic, print or other form,
concerning contracts or arrangements for the purposes of foreign exchange trading and
leveraged foreign exchange trading (other than advising others by issuing or
promulgating research analyses or research reports, whether in electronic, print or
other form, concerning any investment product and advising on corporate finance within
the meaning of the Securities and Futures Act, Cap 289 (SFA).
WUBS Singapore is a remittances licence holder. All payment and remittance
services referred to in this communication are offered under WUBS Singapores
Remittance Licence issued by the Monetary Authority of Singapore (MAS). WUBS
Singapores service does not include any service under the Payment Systems
(Oversight) Act 2006.
WUBS is not licensed, registered or authorised, or hold themselves out to be
licensed, registered or authorised to conduct any regulated activities under the
SFA, financial advisory services under the Financial Advisers Act, Cap 110, money
changing business and remittance business under the Money-Changing and
Remittance Business Act, Cap 187, and any other financial services or activities
subject to regulatory supervisions by the MAS or any other authority in Singapore,
save in respect of the specific activities described above for which each entity
holds a licence or an exemption to conduct such specific activities.
Page 93 of 94
Hong Kong
In Hong Kong, Western Union Business Solutions is a division of The Western Union
Company. Services in Hong Kong are provided by Western Union Business Solutions
(Hong Kong) Limited (company number 1474270 and CE number BGY438) (WUBS).
WUBS is a licensed money service operator under the Anti-Money Laundering and
Counter-Terrorist Financing (Financial Institutions) Ordinance (Chapter 615, the Laws
of Hong Kong). WUBS is also licensed by the Securities and Futures Commission in
Hong Kong to conduct Type 3 (leveraged foreign exchange trading) regulated activity.
This communication has been prepared solely for informational purposes and does not
in any way create any binding obligations on either party. Relations between you and
WUBS shall be governed by the applicable terms and conditions. No representations,
warranties or conditions of any kind, express or implied, are made in this
communication..
2016 Western Union Holdings, Inc. All Rights Reserved. The WESTERN UNION name, logo, trade name, trade dress and related trademarks and
Page 94
of 94
service marks, owned by Western Union Holdings, Inc., are registered
and/or
used in the U.S. and many foreign countries.
This material is
proprietary to Western Union and cannot be used, reproduced, copied, displayed, distributed or used to prepare derivative works without the prior
written consent of Western
Union.
2016
Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

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12.

PAYMENT FORMATTING GUIDELINES

COUNTRY CURRENCIES (BY CURRENCY CODE)

PAYMENT FORMATTING GUIDELINES

MAXIMIZING THE USE OF THIS DOCUMENT

PAYMENT FORMATTING GUIDELINES

BBAN/BASIC BANK ACCOUNT NUMBER

IBAN/INTERNATIONAL BANK ACCOUNT NUMBER

4 characters - bank code (only letters)

PAYMENT FORMATTING GUIDELINES

United States - Routing Number or ABA Number

PAYMENT FORMATTING GUIDELINES

IBAN & SWIFT CODE COUNTRIES

PAYMENT FORMATTING GUIDELINES

AED UNITED ARAB EMIRATES DIRHAM

ALL - ALBANIAN LEK

PAYMENT FORMATTING GUIDELINES

AMD - ARMENIAN DRAM

ANG ANTILLIAN GUILDER

PAYMENT FORMATTING GUIDELINES

AOA ANGOLAN KWANZA

Beneficiary Bank BIC/SWIFT: Eight Eleven digits

ARS ARGENTINE PESO

PAYMENT FORMATTING GUIDELINES

AUD AUSTRALIAN DOLLAR

AZN AZERBAIJAN MANAT

BAM BOSNIA AND HERZEGOVINA CONVERTIBLE MARK

PAYMENT FORMATTING GUIDELINES

BBD BARBADOS DOLLAR

BDT BANGLADESH TAKA

PAYMENT FORMATTING GUIDELINES

BGN BULGARIAN LEV

BHD BAHRAIN DINAR

BIF BURUNDI FRANC

PAYMENT FORMATTING GUIDELINES

BMD BERMUDIAN DOLLAR

BND BRUNEI DOLLAR

BOB BOLIVIAN BOLIVIANO

PAYMENT FORMATTING GUIDELINES

BRL BRAZILIAN REAL

Copy of Taxpayer Identification Document C.P.F.

PAYMENT FORMATTING GUIDELINES

Investment Funds, Foundations, Clubs, Coops:

Bill issued by a public utility dated no more than 90

Audited Balance Sheet: No more than 18 months

Authorized Signatory Card

Power of Attorney if applicable (along with

BSD BAHAMIAN DOLLAR

PAYMENT FORMATTING GUIDELINES

BTN BHUTAN NGULTRUM

BWP BOTSWANA PULA

BZD BELIZE DOLLAR

PAYMENT FORMATTING GUIDELINES

CAD CANADIAN DOLLAR

CHF SWISS & LIECHTENSTEIN FRANC

CLP CHILEAN PESO

PAYMENT FORMATTING GUIDELINES

CNY CHINESE YUAN RENMINBI

CNH OFFSHORE RENMINBI

RMB (CNH CNY)

PAYMENT FORMATTING GUIDELINES

COP COLOMBIAN PESO

CRC COSTA RICAN COLON

PAYMENT FORMATTING GUIDELINES