# Bank account field formatting

Use the following bank account fields and formatting to create [bank account payment instruments](https://www.checkout.com/docs/payments/store-and-manage-credentials/store-credentials/payment-instruments.md#Create_a_bank_account_payment_instrument) or request [Enterprise](https://www.checkout.com/docs/payments/request-payouts/bank-payouts.md) or [Platforms](https://www.checkout.com/docs/platforms/process-sub-entity-payouts/process-bank-payouts.md) bank payouts for Europe, the United Kingdom, and the United States.

You can also retrieve this information using the API.

---

## Europe

European countries use the following currencies and schemes, and require the following bank account fields and formatting:

| Requirement | Description |
| --- | --- |
| Currencies | - `EUR` – Uses the SEPA Instant or SEPA Credit Transfer scheme |
| Schemes | #### SEPA Instant<br><br>- Minimum amount (local currency) – 0.01<br>- Maximum amount (local currency) – 100,000<br>- Cut-off time – None<br>- Settlement – Instant<br><br>**Note**: If SEPA Instant is not available, or the amount is over 100,000 EUR, Checkout.com automatically defaults to SEPA Credit Transfer.<br><br>#### SEPA Credit Transfer<br><br>- Minimum amount (local currency) – 0.01<br>- Cut-off time – None<br>- Settlement – One business day |

### Country specifications

Use the specified formatting per supported country:

| Country | Country code | IBAN characters | Swift BIC format |
| --- | --- | --- | --- |
| Austria | `AT` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Belgium | `BE` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Bulgaria | `BG` | 22 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Croatia | `HR` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Cyprus | `CY` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Czech Republic | `CZ` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Denmark | `DK` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Estonia | `EE` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Finland | `FI` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| France | `FR` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Germany | `DE` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Greece | `GR` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Hungary | `HU` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Iceland | `IS` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Ireland | `IR` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Italy | `IT` | 20 | `^[A-Z]6[A-Z0-9]2([A-Z0-9]3)?$` |
| Latvia | `LV` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Liechtenstein | `LI` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Lithuania | `LT` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Luxembourg | `LU` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Malta | `MT` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Monaco | `MC` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Netherlands | `NL` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Norway | `NO` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Poland | `PL` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Portugal | `PT` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Romania | `RO` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| San Marino | `SM` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Slovakia | `SK` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Slovenia | `SI` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Spain | `ES` | 20 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Sweden | `SE` | 21 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |
| Switzerland | `CH` | 20 | `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |

---

## United Kingdom

The United Kingdom uses the following currencies and schemes, and requires the following bank account fields and formatting:

| Requirement | Description |
| --- | --- |
| Country code | `GB` United Kingdom |
| Currencies | - `EUR` – Uses the SEPA Instant scheme<br>- `GBP` – Uses the Faster Payments scheme |
| Schemes | #### SEPA Instant<br><br>- Minimum amount (local currency) – 0.01<br>- Maximum amount (local currency) – 1,000,000<br>- Cut-off time – None<br>- Settlement – Instant<br><br>#### Faster Payments<br><br>- Minimum amount (local currency) – 0.01<br>- Maximum amount (local currency) – 1,000,000<br>- Cut-off time – None<br>- Settlement – Instant |
| Required bank details and format | `account_number`<br>`string`<br><br>The account holder's account number. <br><br>Format – `^[0-9]8$` |
| Required bank details and format | `bank_code`<br>`string`<br><br>The account holder's sort code. <br><br>Format – `^[0-9]6$` |

---

## United States

The United States uses the following currencies and schemes, and requires the following bank account fields and formatting:

| Requirement | Description |
| --- | --- |
| Country code | `US` United States |
| Currency | `USD` |
| Schemes | #### Same Day ACH<br><br>- Minimum amount (local currency) – 0.01<br>- Maximum amount (local currency) – 1,000,000<br>- Cut-off time – 14:00 EST<br>- Settlement – Same day<br><br>#### Next Day ACH<br><br>- Minimum amount (local currency) – 0.01<br>- Maximum amount (local currency) – None<br>- Cut-off time – 22:30 EST<br>- Settlement – Next day<br><br>**Information**: Settlement depends on the receiving entity capabilities and schedules. |
| Required bank details and format | `account_number`<br>`string`<br><br>The account holder's account number. <br><br>Format – 20 characters |
| Required bank details and format | `bank_code`<br>`string`<br><br>The account holder’s routing number or ABA routing number. <br><br>Format – `^[a-z]6[a-z0-9]2([a-z0-9]3)?$` |

---

## Get bank account field formatting using the API

To check required destination bank account fields and formatting for destination countries and currencies for bank payouts, call the [Get bank account field formatting](https://api-reference.checkout.com/tag/Instruments/#operation/getBankAccountFields) endpoint.

Provide the following path parameters:

- `{country}` – The destination country, as an [ISO alpha-3 country code](https://www.checkout.com/docs/developer-resources/testing/codes/country-codes.md)
- `{currency}` – The destination currency, as an [ISO 4217 code](https://www.checkout.com/docs/developer-resources/testing/codes/currency-codes.md)

Optionally, you can filter the results using the `account-holder-type` and `payment-network` query parameters.

> **Information**
>
> Your base URL's `{prefix}` value is unique to your account and environment. To learn how to retrieve your base URLs for the sandbox and production environments, see [API endpoints](https://www.checkout.com/docs/developer-resources/api/api-endpoints.md).

**Production**

`POST` `https://{prefix}.api.checkout.com/validation/bank-accounts/{country}/{currency}`

**Sandbox**

`POST` `https://{prefix}.api.sandbox.checkout.com/validation/bank-accounts/{country}/{currency}`

### Response example

```json
{
  "sections": [
    {
      "name": "Account Details",
      "fields": [
        {
          "id": "iban",
          "type": "string",
          "display": "IBAN",
          "description": "Alphanumeric account identifier",
          "section": "account",
          "required": true,
          "validation_regex": "^[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,18}$",
          "min_length": 22,
          "max_length": 22
        }
      ]
    }
  ]
}
```