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Payment Formatting Guidelines

February 7, 2018 | Author: International Brain Research Organisation (IBRO) | Category: Financial Institutions, Banking, Written Communication, Financial Services, Service Industries
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Descripción: These are guidelines based on currency, regarding the formatting of account numbers, in addition to any oth...

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12.2016 Version 3.4 Version 3.0

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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

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PAYMENT FORMATTING GUIDELINES

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.

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PAYMENT FORMATTING GUIDELINES

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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PAYMENT FORMATTING GUIDELINES

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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PAYMENT FORMATTING GUIDELINES

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

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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:  Beneficiary Account Number: 28 Character IBAN  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 ADDITIONAL CONSIDERATIONS: 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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic): All payments cleared electronically. Payments are made on value date.

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AOA – ANGOLAN KWANZA REQUIRED  Beneficiary Account Number: 25 Character IBAN  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

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

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 C = Account Number o D = Check Digit  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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 ID’s.

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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 it’s 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  Beneficiary Account Number: 28 Character IBAN  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 BIC/SWIFT: Eight – Eleven Digits  Beneficiary Bank Country: Bosnia and Herzegovina  Purpose of payment  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic): All payments cleared electronically, and made on value date.

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BBD – BARBADOS DOLLAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Country: Barbados  Beneficiary Bank Country: Barbados RECCOMENDED:  Beneficiary Bank Branch Address: If eight digit SWIFT is provided ADDITIONAL CONSIDERATIONS: 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 beneficiary’s 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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) check is issued when payment instructions received, and presented to the beneficiary bank through courier. Expected beneficiary receipt date may be 1-3 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed). Beneficiary bank branch address should be included in Swift branch details in the template.

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BGN – BULGARIAN LEV REQUIRED:  Beneficiary Account Number: 22 Alpha numerical digit IBAN  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  Beneficiary Bank BIC/SWIFT: Eight digits  Purpose of Payment ADDITIONAL CONSIDERATIONS: 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:  Beneficiary Account Number: 22 Alpha numerical digit IBAN  IBAN Format: BHkk BBBB SSSS DDCC CCCC CC o BH= Country Abbreviation o k = Check digits o B = Bank Identifier o C = alphanumeric account No  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Purpose of Payment

BIF – BURUNDI FRANC REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Bank Branch Address: If eight digit SWIFT is provided  Purpose of Payment  Full Name, Address of Beneficiary and Telephone Number RECOMMENDED:  Beneficiary Account Number: 16 Alpha numerical digit IBAN  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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Purpose for payment  Full name and address of Beneficiary: Please note P.O Boxes are not acceptable. ADDITIONAL CONSIDERATIONS: Expected beneficiary receipt date may be 1-3 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

BND – BRUNEI DOLLAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits ADDITIONAL CONSIDERATIONS: 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Purpose of payment  Beneficiary Bank Branch Address  Full Address of Beneficiary ADDITIONAL CONSIDERATIONS: 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:  Beneficiary Account Number: 29 Alpha numerical digit IBAN  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 o C = Account number  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  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 Físicas (CPF) for Individuals or contractors o Cadastro Nacional de Pessoas Jurídicas (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 Câmbio Tel: 11 3509-5400 Email: Aline Périco ([email protected]) Email: Daniele Santos ([email protected]) 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 individual’s 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 Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Country: Bahamas  Beneficiary Bank Country: Bahamas  Payments greater than BSD 10,000 may require a source of funds declaration.

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BTN – BHUTAN NGULTRUM REQUIRED  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Full name and address of Beneficiary  Purpose of payment ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

BWP – BOTSWANA PULA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Bank Branch Address  Routing Code: Six digits ADDITIONAL CONSIDERATIONS: 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 Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Country: Belize  Beneficiary Bank Country: Belize

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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 (FI’S): 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 o C = Account Number

CLP – CHILEAN PESO REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  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

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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 BIC/SWIFT: Eight - Eleven digits  Beneficiary Bank Routing code: CNAPS Code 12 digits  Contact name at beneficiary organization or entity  Beneficiary Address & Telephone Number  Purpose of Payment: Drop Down Menu (Trade Related Services is not acceptable) ADDITIONAL CONSIDERATIONS: 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  Beneficiary Address & Telephone Number  Purpose of Payment: Drop down menu REQUIRED (MAINLAND CHINA):  Beneficiary Bank BIC/SWIFT: Eight - Eleven digits  Beneficiary Bank Routing code: CNAPS Code 12 digits  Beneficiary Bank Country: China  Beneficiary Address & Telephone Number  Purpose of Payment: Drop down menu (Trade Related Services or Travel Related is not accepted)  Purpose of Payment Code: Drop down menu REQUIRED(OTHER):  Beneficiary Bank BIC/SWIFT: Eight - Eleven digits  Beneficiary Address & Telephone Number  Purpose of Payment: Drop down menu RECOMMENDED:  Beneficiary Bank Routing code: CNAPS Code 12 digits

RMB (CNH CNY) Purpose of Payment Types and Codes.docx

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COP – COLOMBIAN PESO REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Tax ID: NIT or RUT or Cedula  Beneficiary Contact Name at Organization/Company  Beneficiary Address & Telephone Number  Purpose of Payment  Exact Bank Location required: only if swift is Eight Digits. ADDITIONAL CONSIDERATIONS: 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:  Beneficiary Account Number: 22 Alpha numerical digit IBAN  IBAN Format: CRKK BBBB CCCC CCCCCCCC CC o CR= Country Abbreviation o K = Check digits o B = Bank Identifier o C = alphanumeric account No  Beneficiary Tax ID: Cedula Juridicia 7 – 10 digit tax payer ID  Beneficiary Contact name at beneficiary organization or entity  Beneficiary Bank BIC/SWIFT: eight – eleven digits  Beneficiary Bank Branch Address  Purpose of Payment  Beneficiary Address & Telephone Number ADDITIONAL CONSIDERATIONS: 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

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CVE – CAPE VERDE ESCUDO REQUIRED  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Purpose of Payment RECOMMENDED  Beneficiary Account Number: 25 Alpha numerical digit IBAN  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) ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

CZK – CZECH KORUNA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number: 24 Alpha numerical digit IBAN  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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are made through checks. 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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DKK – DANISH KRONER REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number: 18 Alpha numerical digit IBAN  IBAN Format: DKKK BBBB CCCC CCCC CC o DK = Country Code o KK = Check digits o B = Bank code o C = Account No ADDITIONAL CONSIDERATIONS: It is common practice that a one day float is assessed by local banks.

DOP – DOMINICAN PESO REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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  Beneficiary Account Number: 28 Alpha numerical digit IBAN  IBAN Format: DOKK BBBB CCCC CCCC CCCC CCCC CCCC o DO= Country Abbreviation o K = Check digits o B = Bank Identifier o C = Alphanumeric Account No 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). 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 Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number: 20 digits  Bank Account Format: AAAA AAAA BBBB BBBB BBBB o A= Bank Routing Code (Code Etablissément) o B = Alphanumeric Account No 

Purpose of Payment: See list of Central Bank of Algeria Purpose of Payment Codes

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Purpose of Payment Codes -DZD.docx

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EGP – EGYPTIAN POUND REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Branch Address  Purpose of Payment  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

ETB – ETHIOPIAN BIRR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information. Typically, the beneficiary receipt date is 2 days after value.

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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 Bosnia and Herzegovina

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

IBAN format: 24 Alpha Numerical Digits ADKK BBBB SSSS CCCC CCCCCCCC AD = Country Code K = Check Digits B = Bank code S = Branch code C = Account No Page 23 of 94

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EUR – EURO IBAN REQUIREMENTS (continued) AUSTRIA:

IBAN format: 20 Alpha Numerical Digits ATKK BBBB BCCC CCCC CCCC AT = Country Code K = Check digits B = Bank code C = Account No

BELGIUM:

IBAN format: 16 Alpha Numerical Digits BEKK BBBC CCCC CCKK BE = Country Code K = Check Digits B = Bank code (numeric) C = Account No

BULGARIA:

IBAN format: 22 Alpha Numerical Digits 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:

IBAN format: 21 Alpha Numerical Digits HRKK BBBB SSSS DDCC CCCC CC HR = Country Code K = Check Digits C = Alphanumeric account

CYPRUS:

IBAN format: 28 Alpha Numerical Digits CYKK BBBS SSSS CCCC CCCCCCCCCCCC CY = Country Code K = Check Digits B = Bank code S = Sort code C = Account No

CZECH REPUBLIC:

IBAN format: 24 Alpha Numerical Digits CZKK BBBB CCCCCCCCCCCCCCCC CZ = Country Code KK = Check digits B = Bank code C = Account No. C = Account No

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EUR – EURO IBAN REQUIREMENTS (continued) DENMARK:

IBAN format: 18 Alpha Numerical Digits DKKK BBBB CCCC CCCC CC DK = Country Code K = Check digits B = Bank No

ESTONIA:

IBAN format: 20 Alpha Numerical Digits EEKK BBSS CCCC CCCC CCCK EE = Country Code K= Check Digits B = Bank code S = Sort code C = Account No

FINLAND:

IBAN format: 18 Alpha Numerical Digits FIKK BBBB BBCC CCCC CK FI = Country Code B = Bank code, Branch number and Account type C = Account No K = check digit

FAROE ISLANDS:

IBAN format: 18 Alpha Numerical Digits FOKK BBBB BGGG GGCC CC FO = Country code B = Bank code C = Account No K = Check digit

FRANCE:

IBAN format: 27 Alpha Numerical Digits FRKK BBBB BGGG GGCC CCCC CCCC CXX FR = Country code K = Check Digit B = Bank code G = Code Guichet (branch) C = Account No X = Clé 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:

IBAN format: 22 Alpha Numerical Digits DEKK BBBB BBBB CCCC CCCC CC DE = Country Code K = Check Digits B = Sort code (Bankleitzahl/BLZ) C = Account No

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EUR – EURO IBAN REQUIREMENTS (continued) GIBRALTAR:

IBAN format: 23 Alpha Numerical Digits GIKK BBBB CCCC CCCC CCCC CCC GI = Country Code K = Check Digits B = Bank Code C = Account No

GREECE:

IBAN format: 27 Alpha Numerical Digits GRKK BBBB BBBC CCCC CCCCCCCC CCC GR = Country Code K = check digits B = bank code and branch number C = account No.

GREENLAND:

IBAN format: 18 Alpha Numerical Digits GLKK BBBB CCCC CCCC CC GL = Country Code K = check digits B = bank code C = account No.

HUNGARY:

IBAN format: 28 Alpha Numerical Digits HUKK BBBB BBBC CCCC CCCCCCCCCCCC HU = Country Code KK = Check Digits B = Bank code C = Account No

ICELAND:

IBAN format: 26 Alpha Numerical Digits 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:

IBAN format: 22 Alpha Numerical Digits 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

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EUR – EURO IBAN REQUIREMENTS (continued) ITALY:

IBAN format: 27 Alpha Numerical Digits ITKK KAAA AABB BBBC CCCC CCCC CCC IT = Country Code K = Check Characters A = ABI bank code B = Branch CAB number C = Account

LATVIA:

IBAN format: 21 Alpha Numerical Digits LVKK BBBB CCCC CCCCCCCC C LV = Latvia K = Check Digits B = First four digits of the SWIFT C = 13 digit account number

LIECHTENSTEIN:

IBAN format: 21 Alpha Numerical Digits LIKK BBBB BCCC CCCC CCCC C LI = Country Code B = Bank code C = Account No

LITHUANIA:

IBAN format: 20 Alpha Numerical Digits LTKK BBBB BCCC CCCC CCCC LT = Country Code K = Check digits B = Bank code C = Account No

LUXEMBOURG:

IBAN format: 20 Alpha Numerical Digits LUKK BBBC CCCC CCCCCCCC LU = Country Code K = Check Digits B = Bank code C = Account No.

MAURITANIA:

IBAN format: 27 Alpha Numerical Digits MRKK BBBB BCCC CCDD DDDD DDDD DDD MR = Country Code K= Check digit B = Bank Code C = Branch Code D = Account No

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EUR – EURO IBAN REQUIREMENTS (continued) MAURITIUS:

IBAN format: 30 Alpha Numerical Digits 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:

IBAN format: 24 Alpha Numerical Digits MDKK BBCC DDDD DDDD DDDD DDDD MD = Country code K = Check digit B = Bank code C = Branch D = Account No

MONACO:

IBAN format: 27 Alpha Numerical Digits MCKK BBBB BGGG GGCC CCCC CCCC CKK MC = Country code K = Clé RIB B = Bank code G = Code Guichet (branch) C = Account No K = Clé RIB

MONTENEGRO:

IBAN format: 22 Alpha Numerical Digits MEKK BBBC CCCC CCCC CCCC KK ME = Country code K = IBAN Check Digit G = Bank Code C = Account No K = Account Check Digit

NETHERLANDS:

IBAN format: 18 Alpha Numerical Digits NLKK AAAA BBBB BBBB BB NL = Country Code K = Check digit A = Bank code B = Account No

NORWAY:

IBAN format: 15 Alpha Numerical Digits NOKK BBBB CCCC CCK NO = Country Code B = Bank code C = Account No K = Check digit

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EUR – EURO IBAN REQUIREMENTS (continued) POLAND:

IBAN format: 28 Alpha Numerical Digits 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:

IBAN format: 25 Alpha Numerical Digits 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:

IBAN format: 24 Alpha Numerical Digits 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:

IBAN format: 27 Alpha Numerical Digits SMKK KBBB BBSS SSSC CCCC CCCC CCC SM = Country Code K = Check Digits B = Bank code S = Branch code C = Account No

SERBIA:

IBAN format: 22 Alpha Numerical Digits 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

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EUR – EURO IBAN REQUIREMENTS (continued) SLOVENIA:

IBAN format: 19 Alpha Numerical Digits 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:

IBAN format: 24 Alpha Numerical Digits 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:

IBAN format: 24 Alpha Numerical Digits SEKK BBBB CCCC CCCCCCCCCCCC SE = Country Code K = Check Digits B = Bank code C = Account number

SWITZERLAND:

IBAN format: 21 Alpha Numerical Digits CHKK BBBB BCCC CCCC CCCC C CH = Country Code K = Check Digits B = Bank code C = Account No.

TURKEY:

IBAN format: 26 Alpha Numerical Digits 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:

IBAN format: 22 Alpha Numerical Digits 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)

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FJD – FIJI DOLLAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number: Up to 12 digits

GBP - BRITISH POUND (STERLING) REQUIRED (Wire):  Beneficiary Bank BIC/SWIFT: eight – eleven digits  Beneficiary Account Number: 22 Alpha numerical digit IBAN  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

ADDITIONAL CONSIDERATIONS: Cross boarder payments to the UK (NON-GBP) should always have an IBAN and SWIFT CODE

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GEL – GEORGIA LARI REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Account Number: 22 Alpha numerical digit IBAN  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  Exact Bank Location required: only if swift is Eight Digits. ADDITIONAL CONSIDERATIONS: 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 BIC/SWIFT: Eight – Eleven Digits  Beneficiary Bank Branch Code: Six Digits  Beneficiary Address ADDITIONAL CONSIDERATIONS: Expected beneficiary receipt date may be 1-2 days from the date the beneficiary bank received the payment (Beneficiary Bank may not necessarily apply on value date instructed).

GMD – GAMBIAN DALASI REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Purpose of Payment  Beneficiary Address ADDITIONAL CONSIDERATIONS: 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).

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GNF – GUINEA FRANC REQUIRED:  Beneficiary Bank Account Number: 18 BBAN Number  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Bank Branch Address  Purpose of Payment  Beneficiary Address ADDITIONAL CONSIDERATIONS: 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. 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).

GTQ – GUATEMALAN QUETZAL REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Account Number: 28 Alpha numerical digit IBAN  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 ADDITIONAL CONSIDERATIONS: 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits ADDITIONAL CONSIDERATIONS: 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).

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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  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits RECOMMENDED:  Beneficiary Bank Branch Address LOW VALUE REQUIREMENTS (ECG):  Beneficiary Bank Country: Hong Kong  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 Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Bank Branch Address  Beneficiary Phone Number  Beneficiary Address  Beneficiary Account Type  Purpose of Payment ADDITIONAL CONSIDERATIONS: 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).

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HRK – CROATIAN KUNA REQUIRED:  Beneficiary Account Number: 21 Alpha numerical digit IBAN  IBAN Format: HRKK CCCC CCCC CCCC CCCC C o HR = Country Code o K = Check Digits o C = Account No  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Purpose of Payment ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number: 28 Alpha numerical digit IBAN  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 BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Country: Indonesia  Purpose of Payment  Telephone Number of Beneficiary  SKN Code: Example - SKN/A/B/C/D (SKN is Indonesia’s local clearing system). IDR SKN Code.docx

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ILS – ISRAEL SHEQEL REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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

ADDITIONAL CONSIDERATIONS: 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.

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ISK – ICELANDIC KRONA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number: 26 Alpha numerical digit IBAN  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 Bank Branch Address  Beneficiary Account Type: Checking or Saving  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Routing code: Bank code (3 Digits) + Transit code (5 Digits)

JOD – JORDANIAN DINAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  IBAN: 30 Alpha Numerical Digits  IBAN Format: JOKK BBBB DDDD CCCC CCCC CCCC CCCC CC o JO = Country Code o K = Check digits o B = Bank Identifier o D = Branch Code o C = Account Number  Purpose of payment  Purpose of payment code: 4-digit code JOD Purpose of Payment Types and Codes.docx

ADDITIONAL CONSIDERATIONS: 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.

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JPY – JAPANESE YEN REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven Digits  Beneficiary Address  Purpose of Payment  Beneficiary Bank Branch Address OR  Beneficiary Bank Branch Name ADDITIONAL CONSIDERATIONS: 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 BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Branch Name  Routing Code: 5-digit branch code

KGS – KRYGYZSTANI SOM REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment: ADDITIONAL CONSIDERATIONS: Beneficiary may need to produce invoice to have funds credit their account in country.

KHR – CAMBODIA RIEL REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Purpose of Payment ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information, typically beneficiary bank will credit the beneficiary 5-7 days after receiving the payment.

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KMF – COMORO FRANC REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Address RECOMMENDED:  Beneficiary Bank Branch Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

KRW – SOUTH KOREAN WON REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Full Beneficiary Name  Full Beneficiary Address (No P.O Box)  Beneficiary Bank Country: South Korea  Beneficiary Country: South Korea  Full Bank Address Required  Beneficiary Telephone Number  Purpose of payment ADDITIONAL CONSIDERATIONS: 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number/IBAN: 30 Alpha Numerical Digits  IBAN Format: KWKK BBBB CCCC CCCC CCCC CCCC CCCC CC o KW= Country Code o K = Check digits o B = Bank Identifier o C = Account Number  Purpose of payment

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PAYMENT FORMATTING GUIDELINES

KYD – CAYMAN ISLAND DOLLAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): A draft is prepared and delivered to the beneficiary bank for processing into the beneficiary’s account; expected receipt date is typically 2 days.

KZT – KAZAKHSTANI TENGE REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Address  Beneficiary Account Number/IBAN: 20 Alpha Numerical Digits  IBAN Format: KZkk BBBC CCCC CCCC CCCC o KZ= Country Code o K = Check digits o B = Bank Identifier o C = Account Number  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)

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LAK – LAOS KIP REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

LBP – LEBANESE POUND REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Routing Code: 7-digit branch code AAAA BBB  A = Bank Code  B = Branch Code ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information. 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.

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LSL – LESOTHO LOTI REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

MAD – MOROCCAN DIRHAM REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared through checks. 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). 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Bank Branch Address  Beneficiary Address RECOMMENDED:  Beneficiary Bank Account: 27 Alpha Numerical Digit IBAN  IBAN format: MGkk CCCC CCCC CCCC CCCC CCCC CCC ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

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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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

MOP – MACAO PATACA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

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MRO – MAURITANIA OUGUIYA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

MUR – MAURITIUS RUPEE REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account: 30 Numerical digit IBAN  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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

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MVR – MALDIVES RUFIYAA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Bank Branch Address  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

MWK – MALAWI KWACHA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Bank Branch Address  Beneficiary Address

MYR – MALAYSIAN RINGGIT REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Bank Branch Address  Beneficiary Telephone Number ADDITIONAL CONSIDERATIONS: 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 Bank’s CLABE must be provided.  

Beneficiary Bank BIC/SWIFT: Eight digits Beneficiary Account Number: 18 digits CLABE  CLABE Format: AAABBBCCCCCCCCCCCD  A = Bank Code  B = Branch Office Code  C = Account Number  D = Control Digit

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MZN – MOZAMBIQUE METICAL REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Branch Address  Beneficiary Address  Purpose of Payment  Beneficiary Bank Account: NIB (Número de Identificação Bancária) 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Bank Branch Address  Beneficiary Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

NGN – NIGERIAN NAIRA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number: 10 digit Nigerian Uniform Bank Account Number (NUBAN)  Format: AAAAAAAAAB  A = NUBAN Account Serial Number  B = Check Digit ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

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NIO – NICARAGUAN CORDOBA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Address  Contact Name at Beneficiary Organization  Telephone Number of Contact at Beneficiary Organization ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary 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).

NOK – NORWEGIAN KRONE REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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 LOW VALUE REQUIREMENTS:  Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN  Beneficiary Bank BIC/SWIFT: Eight – Eleven digit  Beneficiary Bank Country: Norway

NPR – NEPALESE RUPEE REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment  Beneficiary Bank Branch Address  Beneficiary Address ADDITIONAL CONSIDERATIONS: 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.

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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 BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Routing Code: Six Digits LOW VALUE REQUIREMENTS:  Beneficiary Bank Country: New Zealand  Beneficiary Bank Code: Six Digits  Beneficiary Bank BIC/SWIFT: Eight – Eleven 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment

PAB – PANAMA BALBOA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Purpose of Payment ADDITIONAL CONSIDERATIONS: Payments in Panama Balboa (PAB) to beneficiary swift code BAGEPAPA will require a valid beneficiary telephone number.

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PEN – PERUVIAN NUEVO SOL REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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) ADDITIONAL CONSIDERATIONS: 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment

PHP – PHILIPPINES PESO REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Country: Philippines  Beneficiary Bank Branch Address ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) may vary depending on local requirements and validity of beneficiary information, with some banks may enforce 1-2 day hold on credits to beneficiary.

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PKR – PAKISTAN RUPEE REQUIRED  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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  Beneficiary Bank Branch Address  Purpose of Payment  Beneficiary Address REQUIRED for NGO’s 

Specific to NGO Beneficiaries: The wire transfer originator’s address, CNIC/Passport number, date or place of birth or where originator is a legal person, necessary details such as registration number.

ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): Payment is cleared by manager’s 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 Bank BIC/SWIFT: Eight – Eleven digits  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

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PYG – PARAGUAY GUARANI REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Beneficiary Bank Branch 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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared by check. 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).

QAR – QATARI RIAL REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number: 29 Alpha numerical digit IBAN  IBAN Format: QAKK BBBB CCCC CCCC CCCC CCCC CCCC C o QA= Country Code o K = Check digits o B = Branch Code o C = Account number  Purpose of Payment

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RON – ROMANIAN NEW LEU REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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 ADDITIONAL CONSIDERATIONS: 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 Bank BIC/SWIFT: eight – eleven 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 Bank BIC/SWIFT: eight – eleven digits  Beneficiary Address  Purpose of Payment

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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 Bank Branch Address  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 (father’s 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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Branch Address

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SAR – SAUDI RIYAL REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account: 24 Alpha Numerical Digit IBAN  IBAN format: SAkk BBCC CCCC CCCCCCCCCCCC  SA = Country Code  K = Check Digit  B = Bank code  C = Account No

SBD – SOLOMON ISLANDS DOLLAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

SCR – SEYCHELLES RUPEE REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Remitter Full Name, Address and Account Number  Beneficiary Full Name and Address  Beneficiary Bank Branch Address  Purpose of Payment ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared by check. 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).

SEK – SWEDISH KRONA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account: 24 Alpha Numerical Digit IBAN  IBAN format: SEKK BBBB CCCC CCCCCCCCCCCC o SE = Country Code o K = Check Digit o B = Bank code o C = Account No

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SGD – SINGAPORE DOLLAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Routing Code: Seven Digits Branch Specific  Beneficiary Bank Branch Address(Recommended) LOW VALUE REQUIREMENTS (IBG):  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Account: Five – Eleven digits  Beneficiary Bank Country: Singapore  Beneficiary Bank Routing Code: Seven Digits Branch Specific  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 Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Purpose of Payment  Exact Bank Location required: only if swift is Eight Digits. ADDITIONAL CONSIDERATIONS: 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).

SRD – SURINAM DOLLAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Beneficiary Bank Branch Address  Purpose of Payment ADDITIONAL CONSIDERATIONS: 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).

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STD – SAO TOME AND PRINCIPE DOBRA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account: 25 Alpha Numerical Digit IBAN  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 Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Beneficiary Bank Branch Address  Purpose of Payment ADDITIONAL CONSIDERATIONS: 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).

THB – THAI BAHT REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Beneficiary Bank Branch 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.

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TND – TUNISIAN DINAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Numbers: 20 Digit BBAN  Purpose of Payment RECOMMENDED  Beneficiary Account: 24 Numerical digit IBAN  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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check): All payments are cleared by check.

TRY - TURKISH LIRA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Account Number/IBAN: 26 Alpha Numerical Digits  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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

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TWD – NEW TAIWAN DOLLAR REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Country: Taiwan  Beneficiary Address  Beneficiary Telephone Number  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 as beneficiary is required to visit bank and complete required forms).

TZS – TANZANIAN SHILLING REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Purpose of Payment

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UGX – UGANDA SHILLING REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Branch Address

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

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PAYMENT FORMATTING GUIDELINES **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:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

UZS – UZBEKISTAN SUM REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Contact Name of Beneficiary at Organization, Telephone Number  Beneficiary Address  Beneficiary Bank Branch Address  Purpose of Payment  Telephone Number ADDITIONAL CONSIDERATIONS: 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).

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PAYMENT FORMATTING GUIDELINES

VND – VIETNAM DONG REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Beneficiary Bank Branch Address  Purpose of Payment

VUV – VANUATU VATU REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

WST – SAMOA TALA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits

XAF – CENTRAL AFRICAN CFA FRANC REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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 BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Country: Anguilla, Antigua & Barbuda, Dominica, Grenada, Montserrat, Saint Kitts And Nevis, Saint Lucia and Saint Vincent and the Grenadines.

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PAYMENT FORMATTING GUIDELINES

XOF – WEST AFRICAN CFA FRANC REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Bank Country: Benin(BJ), Burkina Faso(BF), Cote D’Ivoire(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 ADDITIONAL CONSIDERATIONS: Method of payment (Electronic or Check) varies depending on local requirements and validity of beneficiary information. Ivory Coast (Cote d’Ivoire) 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 Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Purpose of Payment

YER – YEMENI RIAL REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address  Purpose of Payment ADDITIONAL CONSIDERATIONS: Payments to Individuals must have Beneficiary’s Passport Number except when beneficiary is company or business entity.

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PAYMENT FORMATTING GUIDELINES

ZAR – SOUTH AFRICAN RAND REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  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 beneficiary’s bank may require the beneficiary to contact them to complete regulatory paperwork

ZMW – ZAMBIAN KWACHA REQUIRED:  Beneficiary Bank BIC/SWIFT: Eight – Eleven digits  Beneficiary Address RECOMMENDED:  Routing Code (Sort): Six digits

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PAYMENT FORMATTING GUIDELINES

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 IBAN’s 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 Country: Hong Kong Beneficiary Bank Account/IBAN: 15 Alpha Numerical Digit IBAN 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 BIC/SWIFT: Eight – Eleven digits Beneficiary Bank Routing Code: Seven Digits Branch Specific 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)

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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 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 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

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PAYMENT FORMATTING GUIDELINES 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 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

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

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PAYMENT FORMATTING GUIDELINES

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

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PAYMENT FORMATTING GUIDELINES

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

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PAYMENT FORMATTING GUIDELINES

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

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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

PAYMENT FORMATTING GUIDELINES

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

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PAYMENT FORMATTING GUIDELINES

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

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PAYMENT FORMATTING GUIDELINES

USD Cut-off Times

Hong Kong & Singapore Clients USD to beneficiary bank’s 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

Institution or Country 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 Institution or Country

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 © 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

3:00am

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PAYMENT FORMATTING GUIDELINES

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 © 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

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

business.westernunion.com

PAYMENT FORMATTING GUIDELINES

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



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PAYMENT FORMATTING GUIDELINES

• •

• • • • • • • •

• •



• • •



• •





• • •

• •



• •

• •



• •



















• • •

• •

• •









• •

• • • • • • • • • • • • • • •

• •



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 Central African Republic 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



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PAYMENT FORMATTING GUIDELINES

• •

• • • • •

• • • • • • • • • •

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

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PAYMENT FORMATTING GUIDELINES

• • •

• •

• •

• •







• •







• • •

• •

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 Sao Tome and Principe 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

• • • •

• •

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PAYMENT FORMATTING GUIDELINES

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 Arab Emirates 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



• •

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PAYMENT FORMATTING GUIDELINES

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



IBAN requirement added

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 Added to Country Requirements Purpose of payment requirement added



Addendum 1.6 updated



Added to Country Requirements



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



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PAYMENT FORMATTING GUIDELINES

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 ABA’s 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



IBAN requirement added

BHD



IBAN requirement added

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 Bank’s CLABE for cross-border MXN is required Use of Intermediary Bank’s 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

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PAYMENT FORMATTING GUIDELINES

DOCUMENT MODIFICATION HISTORY CONTINUED 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

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PAYMENT FORMATTING GUIDELINES

DOCUMENT MODIFICATION HISTORY CONTINUED 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



Exact Bank Location needed if swift eight digits

DOP



Beneficiary Telephone number required

GEL



Exact Bank Location needed if swift eight digits

HNL



Required Beneficiary Account Type

2.7

CHANGE COMMENTS

DOCUMENT MODIFICATION HISTORY CONTINUED Page 82 of 94

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

2.7 Continued

HTG



CHANGE COMMENTS Required Reason for Payment

SLL GUIDELINE ADDITIONAL REQUIREMENTS TND



Exact Bank Location needed if swift eight digits



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



Addendum 1.3 Cut off times amended

BHD



Addendum 1.3 Cut off times amended

HUF



Addendum 1.3 Cut off times amended

ILS



Addendum 1.3 Cut off times amended

ISK



Addendum 1.3 Cut off times amended

JOD



Addendum 1.3 Cut off times amended

KWD



Addendum 1.3 Cut off times amended

MAD



Addendum 1.3 Cut off times amended

OMR



Addendum 1.3 Cut off times amended

QAR



Addendum 1.3 Cut off times amended

THB



Addendum 1.3 Cut off times amended

TND



Addendum 1.3 Cut off times amended

TRY



Addendum 1.3 Cut off times amended

INR



Addendum 1.3 Cut off times amended

SCR



Addendum 1.3 Cut off times amended

PKR



Addendum 1.3 Cut off times amended

Page 83 of 94

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

2.7 Continued

EGP



Addendum 1.3 Cut off times amended

LTL



Addendum 1.3 Cut off times amended

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



Addendum 1.3 Cut off times amended

AUD



Addendum 1.3 Cut off times amended

AUD LV



Addendum 1.3 Cut off times amended

AUD



Addendum 1.3 Cut off times amended

BHD



Addendum 1.3 Cut off times amended



Addendum 1.3 Cut offbusiness.westernunion.com times amended

GBP

2.9

CHANGE COMMENTS

CNH

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PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

2.9 Continued

EGP



Addendum 1.3 Cut off times amended

EUR



Addendum 1.3 Cut off times amended

EUR LV



Addendum 1.3 Cut off times amended

GBP



Addendum 1.3 Cut off times amended

GBP LV



Addendum 1.3 Cut off times amended

HKD



Addendum 1.3 Cut off times amended

HKD LV



Addendum 1.3 Cut off times amended

HUF



Addendum 1.3 Cut off times amended

ILS



Addendum 1.3 Cut off times amended

INR



Addendum 1.3 Cut off times amended

ISK



Addendum 1.3 Cut off times amended

JOD



Addendum 1.3 Cut off times amended

JPY



Addendum 1.3 Cut off times amended

KWD



Addendum 1.3 Cut off times amended

LTL



Addendum 1.3 Cut off times amended

MAD



Addendum 1.3 Cut off times amended

MXN



Addendum 1.3 Cut off times amended

OMR



Addendum 1.3 Cut off times amended

PKR



Addendum 1.3 Cut off times amended

QAR



Addendum 1.3 Cut off times amended

SCR



Addendum 1.3 Cut off times amended

TND



Addendum 1.3 Cut off times amended

TRY



Addendum 1.3 Cut off times amended

USD



Addendum 1.3 Cut off times amended

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



Purpose of payment codes

PGK



Purpose of payment removed.

JOD



Purpose of payment codes

BDT



Beneficiary nationality required for individual.

ANG



Full beneficiary details needed name and address

PGK



Addendum 1.3 Cut off times amended

ARS



CUIT# for individuals added

AUD



Low value requirements account length added.

SAR



Addendum 1.3 Cut off times amended

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

business.westernunion.com

© 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

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



Additional consideration added

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 NGO’s CNIC

PKR



Additional consideration updated

QAR



Additional consideration removed

RSD



Kosovo requirements added

SGD



Branch code note updated

XAF



IBAN requirement added

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



Addendum 1.3 Cut off times amended

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

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© 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

CHANGE COMMENTS

3.1 Continued

UAH



Currency removed

Addendum 1.4



Guinea updated

XAF



Recommended removed

ALL



Addendum 1.3 Cut off times amended

INR



NA and EMEA POP description attachment added

AED



Addendum 1.3 Cut off times amended

ALL



Addendum 1.3 Cut off times amended

AMD



Addendum 1.3 Cut off times amended

ANG



Addendum 1.3 Cut off times amended

AOA



Addendum 1.3 Cut off times amended

ARS



Addendum 1.3 Cut off times amended

AUD HV



Addendum 1.3 Cut off times amended

AUD LV



Addendum 1.3 Cut off times amended

AZN



Addendum 1.3 Cut off times amended

BAM



Addendum 1.3 Cut off times amended

BBD



Addendum 1.3 Cut off times amended

BDT



Addendum 1.3 Cut off times amended

BGN



Addendum 1.3 Cut off times amended

BHD



Addendum 1.3 Cut off times amended

BIF



Addendum 1.3 Cut off times amended

BMD



Addendum 1.3 Cut off times amended

BND



Addendum 1.3 Cut off times amended

BOB



Addendum 1.3 Cut off times amended

BRL



Addendum 1.3 Cut off times amended

BSD



Addendum 1.3 Cut off times amended

BTN



Addendum 1.3 Cut off times amended

BWP



Addendum 1.3 Cut off times amended

BYR



Addendum 1.3 Cut off times amended

BZD



Addendum 1.3 Cut off times amended

CAD HV



Addendum 1.3 Cut off times amended

CAD LV



Addendum 1.3 Cut off times amended

CHF



Addendum 1.3 Cut off times amended

CSD



Addendum 1.3 Cut off time removed

CYP



Addendum 1.3 Cut off time removed

COP



Addendum 1.3 Cut off times amended

CRC



Addendum 1.3 Cut off times amended

CVE



Addendum 1.3 Cut off times amended

CZK



Addendum 1.3 Cut off times amended

DJF



Addendum 1.3 Cut off times amended

DKK



Addendum 1.3 Cut off times amended

DOP



Addendum 1.3 Cut off times amended

DZD



Addendum 1.3 Cut off times amended

EGP



Addendum 1.3 Cut off times amended

ERN



Addendum 1.3 Cut off times amended

ETB



Addendum 1.3 Cut off times amended

FJD



Addendum 1.3 Cut off times amended

Page 87 of 94

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© 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

CHANGE COMMENTS

3.1 Continued

GBP on credit Suisse



Addendum 1.3 Cut off times amended

GEL



Addendum 1.3 Cut off times amended

GHS



Addendum 1.3 Cut off times amended

GMD



Addendum 1.3 Cut off times amended

GNF



Addendum 1.3 Cut off times amended

GTQ



Addendum 1.3 Cut off times amended

GYD



Addendum 1.3 Cut off times amended

HKD HV



Addendum 1.3 Cut off times amended

HKD LV



Addendum 1.3 Cut off times amended

HNL



Addendum 1.3 Cut off times amended

HRK



Addendum 1.3 Cut off times amended

HTG



Addendum 1.3 Cut off times amended

HUF



Addendum 1.3 Cut off times amended

IDR



Addendum 1.3 Cut off times amended

ILS



Addendum 1.3 Cut off times amended

INR



Addendum 1.3 Cut off times amended

ISK



Addendum 1.3 Cut off times amended

JMD



Addendum 1.3 Cut off times amended

KGS



Addendum 1.3 Cut off times amended

KHR



Addendum 1.3 Cut off times amended

KMF



Addendum 1.3 Cut off times amended

KRW



Addendum 1.3 Cut off times amended

KYD



Addendum 1.3 Cut off times amended

KZT



Addendum 1.3 Cut off times amended

LAK



Addendum 1.3 Cut off times amended

LBP



Addendum 1.3 Cut off times amended

LKR



Addendum 1.3 Cut off times amended

MOP



Addendum 1.3 Cut off times amended

MRO



Addendum 1.3 Cut off times amended

MYR



Addendum 1.3 Cut off times amended

NPR



Addendum 1.3 Cut off times amended

PEN



Addendum 1.3 Cut off times amended

PYG



Addendum 1.3 Cut off times amended

RON



Addendum 1.3 Cut off times amended

RSD



Addendum 1.3 Cut off times amended

RWF



Addendum 1.3 Cut off times amended

SLL



Addendum 1.3 Cut off times amended

SRD



Addendum 1.3 Cut off times amended

STD



Addendum 1.3 Cut off times amended

TZS



Addendum 1.3 Cut off times amended

XAF



Addendum 1.3 Cut off times amended

XOF



Addendum 1.3 Cut off times amended

YER



Addendum 1.3 Cut off times amended

PYG



RUCs are now 11 digits

Page 88 of 94

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© 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

3.2

CAD



Please note added for FI’s

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



Addendum 1.3 Cut off times amended

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



Additional consideration added

INR



Additional consideration added

AUD



Addendum 1.3 Cut off times amended

AUD LV



Addendum 1.3 Cut off times amended

BWP



Addendum 1.3 Cut off times amended

BHD



Addendum 1.3 Cut off times amended

CAD HV



Addendum 1.3 Cut off times amended

EUR LV to CITI



Add to Addendum 1.3 Cut off times amended

FJD



Addendum 1.3 Cut off times amended

GBP LV



Addendum 1.3 Cut off times amended

3.3

CHANGE COMMENTS

Page 89 of 94

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© 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

VERSION

CURRENCY/SECTION

3.3 Continued

GBP LV Non UK



Add to Addendum 1.3 Cut off times amended

GHS



Addendum 1.3 Cut off times amended

HKD HV



Addendum 1.3 Cut off times amended

HKD LV



Addendum 1.3 Cut off times amended

INR



Addendum 1.3 Cut off times amended

JPY



Addendum 1.3 Cut off times amended

KES



Addendum 1.3 Cut off times amended

LSL



Addendum 1.3 Cut off times amended

MAD



Addendum 1.3 Cut off times amended

MGA



Addendum 1.3 Cut off times amended

MKD



Addendum 1.3 Cut off times amended

MWK



Addendum 1.3 Cut off times amended

MYR



Addendum 1.3 Cut off times amended

MZN



Addendum 1.3 Cut off times amended

NAD



Addendum 1.3 Cut off times amended

AZN



IBAN format amended

NGN



Addendum 1.3 Cut off times amended

NIO



Addendum 1.3 Cut off times amended

NOK HV



Addendum 1.3 Cut off times amended

NZD LV



Addendum 1.3 Cut off times amended

PAB



Addendum 1.3 Cut off times amended

PGK



Addendum 1.3 Cut off times amended

PHP



Addendum 1.3 Cut off times amended

PKR



Addendum 1.3 Cut off times amended

RON



Addendum 1.3 Cut off times amended

SAR



Addendum 1.3 Cut off times amended

SBD



Addendum 1.3 Cut off times amended

SCR



Addendum 1.3 Cut off times amended

SGD HV



Addendum 1.3 Cut off times amended

SGD LV



Addendum 1.3 Cut off times amended

SKK



Removed from Addendum 1.3

SZL



Addendum 1.3 Cut off times amended

TOP



Addendum 1.3 Cut off times amended

TDD



Addendum 1.3 Cut off times amended

UGX



Addendum 1.3 Cut off times amended

VND



Addendum 1.3 Cut off times amended

VUV



Addendum 1.3 Cut off times amended

WST



Addendum 1.3 Cut off times amended

XCD



Addendum 1.3 Cut off times amended

XOF



Addendum 1.3 Cut off times amended

XPF



Addendum 1.3 Cut off times amended

ZMW



Addendum 1.3 Cut off times amended

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

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© 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

PAYMENT FORMATTING GUIDELINES

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



Addendum 1.3 Cut off times amended

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

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© 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

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 Union’s 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 Union’s 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 Rüesch 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 Business Solutions”). 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 l’Iris, 92095 Paris La Défense 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 Union’s 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, organizační složka (referred to as “WUBS” or “Western Union Business Solutions”). Western Union International Bank GmbH, organizační složka 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 Václavské nám ěstí 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, organizační složka 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 “Western Union Business Solutions”).

Page 92 of 94 © 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

business.westernunion.com

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 Singapore’s Remittance Licence issued by the Monetary Authority of Singapore (“MAS”). WUBS Singapore’s 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 © 2016 Western Union Holdings, Inc. All Rights Reserved. Western Union Confidential

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..

business.westernunion.com

© 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 business.westernunion.com 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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