HIFI Docs

Every External Account is identified by a combination of currency, transferType, and bankAddress.country - together these select the payment rail, and the rail determines which fields are required. Requests are strict about this: a field outside the rail’s set (e.g. iban on an ACH account) is rejected the same as a missing required one.

External account creation will always require currency , transferType and bankAddress.country.

USD

ACH

Country: United States

Field	Required	Notes
`accountNumber`	Required
`routingNumber`	Required	Exactly 9 digits
`currency`	Required	`USD`
`transferType`	Required	`ACH`
`accountType`	Required	`CHECKING` or `SAVINGS`
`bankName`	Required	Free text
`bankAddress.country`	Required	`USA`
`bankAddress` (rest)	Optional

WIRE

Country: United States

Field	Required	Notes
`accountNumber`	Required
`routingNumber`	Required	Exactly 9 digits
`currency`	Required	`USD`
`transferType`	Required	`WIRE`
`accountType`	Required	`CHECKING` or `SAVINGS`
`bankName`	Required	Free text
`bankAddress.country`	Required	`USA`
`bankAddress` (rest)	Optional

RTP

Country: United States

Field	Required	Notes
`accountNumber`	Required
`routingNumber`	Required	Exactly 9 digits
`transferType`	Required	`RTP`
`currency`	Required	`USD`
`accountType`	Required	`CHECKING` or `SAVINGS`
`bankName`	Required	Free text
`bankAddress.country`	Required	`USA`
`bankAddress` (rest)	Optional

SWIFT

Countries: Check out Coverage for SWIFT supported countries

Field	Required	Notes
`swiftCode`	Required	8 or 11 characters, SWIFT/BIC format
`accountNumber`	Optional*	One of `accountNumber` and `iban` is required
`currency`	Required	`USD`
`transferType`	Required	`SWIFT`
`iban`	Optional*	One of `accountNumber` and `iban` is required
`accountType`	Optional	`CHECKING` or `SAVINGS`
`bankName`	Required	Free text*
`bankAddress`	Required	Full address, `country` must be one of the list above

Countries that expect iban

Albania, Andorra, Austria, Belgium, Brazil, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Saudi Arabia, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, United Arab Emirates, United Kingdom, Vatican City.

Countries that expect accountNumber

Argentina, Australia, Canada, Chile, China, Colombia, Hong Kong, Indonesia, Japan, Kenya, Mexico, New Zealand, Nigeria, Panama, Paraguay, Philippines, Singapore, South Africa, South Korea, Taiwan, Thailand.

Some countries require an exact bank name match, check out below bank name list for details.

Indonesia bank names

This rail accepts ~140 Indonesian banks, including Bank Central Asia (BCA), Bank Mandiri, Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank CIMB Niaga, Bank Permata, Bank Danamon, Bank BJB, Citibank, HSBC Indonesia, Standard Chartered Bank, and the regional Bank Pembangunan Daerah network. See IDN_BANK_NAMES in src/externalAccount/enums.js for the exact list and spelling required.

Vietnam bank names

Agricultural Bank of China (Agri Bank of China), An Binh Commercial Join Stock Bank, ANZ Bank Vietnam Limited, Asia Commercial Bank, Bac A Bank, Bangkok Bank, Ho Chi Minh City, Bank for Investment and Development of Vietnam, Bank of China Limited, Bank of Communications Vietnam, Bank of India, Ho Chi Minh City, Bank of Tokyo - Mitsubishi UFJ, Bao Viet Commercial Joint Stock Bank, BNP Paribas Bank - Ho Chi Minh Branch, Busan Bank Co Ltd, Cake Digital Bank - VPBank, Cambodia Investment and Development Co. Ltd., Cathay United Bank - Ho Chi Minh Branch, Cathay United Bank - Quang Nam, Chailease International Leasing Company Limited, China Construction Bank Corporation, Chinatrust Commercial Bank, CIMB Bank Vietnam, Citibank, Co-op Bank, Credit Union, Daegu Bank, DBS Bank Ltd, Deutsche Bank AG, Dong A Commercial Joint Stock Bank, Electricity Joint Stock Finance Company, E.Sun Commercial Bank Ltd, Far East National Bank, Finance Company Limited for Community, First Commercial Bank, First Commercial Joint Stock Bank, Foreign Exchange Bank of Korea, GP Bank, Great Trust Joint Stock Commercial Bank, Handico Finance Joint Stock Company, HD Bank, Home Credit Vietnam Finance Company Limited, Hongleong Bank Vietnam Ltd, HSBC Bank Limited, Hua Nan Bank Vietnam, Hua Nan Commercial Bank Ho Chi Minh City, Indovina Bank Ltd, Industrial and Commercial Bank of China, Industrial Bank of Korea, JACCS International Vietnam Finance Company Limited, JP Morgan Chase Bank & Co, The Chase Manhattan Bank, Kasikornbank Public Bank Limited, Kasikornbank Public Company Limited, KEB Hana Bank - Hanoi Branch, KEB Hana Bank - Ho Chi Minh City Branch, KEXIM Financial Company Head Office, Kien Long Commercial Joint Stock Bank, Kookmin Bank, Kookmin Bank Hanoi Branch, Kookmin Bank Ho Chi Minh City Branch, Lien Viet Post Bank, Liobank Digital Bank, Malayan Banking Berhad, MB Bank, Mizuho Bank, Ltd, Mizuho Corporate Bank, Nam A Bank, National Commercial Joint Stock Bank, Natixis Bank, Nonghyup Bank, Ocean Bank, Orient Commercial Joint Stock Bank, Oversea Bank - Chinese Banking Corporation Ltd, Petrolimex Petroleum Commercial Joint Stock Bank, Post and Telecommunication Finance Company Limited, Prudential Viet Nam Assurance Private Limited, Public Bank Vietnam, Rubber Finance Company, Saigon Bank for Industry and Trade, Saigon Commercial Joint Stock Bank, Saigon - Hanoi Commercial Joint Stock Bank, Saigon Thuong Tin Commercial Joint Stock Bank, Shinhan Bank Vietnam Ltd., Southeast Asia Commercial Joint Stock Bank, Standard Chartered Bank Vietnam Limited, Standard Chartered Bank Viet Nam Limited, State Bank of Vietnam, State Treasury, Sumitomo Mitsui Banking Corporation, Taipei Fubon Bank, The Development Bank of Singapore Limited, The Shanghai Commercial & Savings Bank, Ltd, The Siam Commercial Bank Public, Tien Phong Commercial Joint Stock Bank, Timo Digital Bank - Ban Viet Bank, Toyota Financial Services Vietnam Company Limited, Ubank Digital Bank - VPBank, Umee Digital Bank - Kien Long Bank, United Overseas Bank One Member Limited Liability Bank, Viet A Joint Stock Commercial Bank, Viet Capital Commercial Joint Stock Bank, Vietcombank, Viet Credit Joint Stock Company, Vietinbank, Vietnam Bank for Agriculture and Rural Development, Vietnam Bank for Social Policies, Vietnam Chemical Finance Joint Stock Company, Vietnam Construction Bank, Vietnam Development Bank, Vietnam Export Import Commercial Joint Stock Bank, Vietnam International Commercial Joint Stock Bank, Vietnam International Leasing Company Limited, Vietnam Maritime Commercial Joint Stock Bank, Vietnam Prosperity Joint-Stock Commercial Bank, Vietnam Public Commercial Joint Stock Bank, Vietnam Russia Joint Venture Bank, Vietnam Shipbuilding Finance Company Limited, Vietnam Technological and Commercial Joint-stock Bank, Vietnam Thuong Tin Commercial Joint Stock Bank, Vietnam Tin Nghia Commercial Joint Stock Bank, Vinaconex-Viettel Finance Joint Stock Company, Vung Tau Commercial Joint Stock Bank, Woori Bank

EUR

SEPA

Countries: Check out Coverage for SEPA supported countries

Field	Required	Notes
`iban`	Required
`swiftCode`	Required	8 or 11 characters, SWIFT/BIC format
`currency`	Required	`EUR`
`transferType`	Required	`SEPA`
`bankName`	Required	Free text
`bankAddress.country`	Required	`country` must be one of the list above
`bankAddress` (rest)	Optional

BRL

PIX

Country: Brazil

Field	Required	Notes
`pixKey`	Optional*	EVP; One of `pixKey`, `email` , `phone` `cpf` or `cnpj` is required
`cpf`	Optional*	One of `pixKey`, `email` , `phone` `cpf` or `cnpj` is required
`cnpj`	Optional*	One of `pixKey`, `email` , `phone` `cpf` or `cnpj` is required
`email`	Optional*	One of `pixKey`, `email` , `phone` `cpf` or `cnpj` is required
`phone`	Optional*	One of `pixKey`, `email` , `phone` `cpf` or `cnpj` is required
`transferType`	Required	`PIX`
`currency`	Required	`BRL`
`bankAddress.country`	Required	`BRA`
`bankAddress` (rest)	Optional

Additional Counterparty Information Required

Field	Notes
`taxId`	external account holder’s tax id

CNY

SWIFT

Country: China

Field	Required	Notes
`swiftCode`	Required	8 or 11 characters, SWIFT/BIC format
`accountNumber`	Required
`currency`	Required	`CNY`
`transferType`	Required	`SWIFT`
`accountType`	Optional	`CHECKING` or `SAVINGS`
`bankName`	Required	Free text*
`bankAddress.country`	Required	`CHN`
`bankAddress` (rest)	Required

COP

NEQUI

Country: Colombia

Field	Required	Notes
`phoneNumber`	Required	E.164 format
`bankAddress.country`	Required	`COL`
`bankAddress` (rest)	Required
`currency`	Required	`COP`
`transferType`	Required	`NEQUI`

Additional Counterparty Information Required

Field	Notes
`taxId`	external account holder’s tax id
`phoneNumber`	external account holder’s phone number

BANK (ACH)

Country: Colombia

Field	Required	Notes
`accountNumber`	Required
`bankName`	Required	Must match a fixed bank name (list below)
`accountType`	Required	`CHECKING` or `SAVINGS`
`bankAddress.country`	Required	`COL`
`bankAddress` (rest)	Optional
`currency`	Required	`COP`

Colombia bank names

COINK SA, Banco de Bogota, Banco Popular, Bancolombia, Citibank, Banco GNB Sudameris, Banco BBVA, Itaú CorpBanca Colombia S.A, Banco Colpatria (Scotiabank), Banco de Occidente, Bancoldex, Banco Caja Social, Banco Agrario, Banco Davivienda, AV Villas, Banco Pichincha, Banco Coomeva, Banco Falabella, Banco Santander de Negocios Col., Banco Cooperativo Coopcentral, Confiar S.A., Coltefinanciera S.A., Nequi, Banco W S.A., Daviplata, Lulo Bank, Banco Itaú, Bancamia S.A., Banco Serfinanza, Banco Union, Bancien, Banco JP Morgan, Iris, Movii SA, Ding Tecnipagos SA, Powwi, Uala, Banco BTG Pactual Colombia S.A., Pibank, Rappipay, Banco Mundo Mujer, Global66, Nu, JFK Cooperativa Financiera, Bold CF, Banco Contactar S.A.

Additional Counterparty Information Required

Field	Notes
`taxId`	external account holder’s tax id
`phoneNumber`	external account holder’s phone number

HKD

CHATS

Country: Hong Kong

Field	Required	Notes
`accountNumber`	Required
`bankCode`	Required	Free text
`swiftCode`	Required	8 or 11 characters, SWIFT/BIC format
`bankName`	Required	Free text
`bankAddress.country`	Required	`HKG`
`bankAddress` (rest)	Optional
`currency`	Required	`HKD`
`transferType`	Required	`CHATS`

MXN

SPEI

Country: Mexico

Field	Required	Notes
`clabe`	Required	Exactly 18 characters
`bankAddress.country`	Required	`MEX`
`bankAddress` (rest)	Optional
`currency`	Required	`MXN`
`transferType`	Required	`SPEI`

NGN

BANK

Country: Nigeria

Field	Required	Notes
`accountNumber`	Required
`bankName`	Required	Must match a fixed bank name (list below)
`currency`	Required	`NGN`
`transferType`	Required	`BANK`
`bankAddress.country`	Required	`NGA`
`bankAddress` (rest)	Optional

Nigeria bank names

Suntrust Bank, Accion MFB, Standard Chartered Bank, Nova MB, Citibank Nigeria, Wema Bank, Bowen MFB, Unity Bank, Premium Trust bank, Mint-Finex Microfinance Bank, United Bank for Africa, Access Bank (Diamond), Kuda Microfinance Bank, Union Bank of Nigeria, Ecobank Nigeria, Providus Bank, PremiumTrust Bank, Access Bank, Stanbic Ibtc Bank, Polaris Bank, Taj Bank, Lotus Bank, Titan Trust Bank, Parallex Bank, PalmPay, Keystone Bank, Nomba Bank, Moniepoint Microfinance Bank, OPay, GoMoney, Optimus Bank, Zenith Bank, Fairmoney Microfinance Bank Ltd, Heritage Bank, Enterprise Bank, Guaranty Trust Bank, GT Bank, MoMo PSB, 9JAPAY MICROFINANCE, First City Monument Bank, Bellbank Microfinance, First Bank of Nigeria, Titan-Paystack, Mainstreet Bank, Sterling Bank, VFD Microfinance Bank, Nownow（Contec Global), NET MFB, Jaiz Bank, Paga, Fidelity Bank, Globus Bank, Alternative Bank

PHP

INSTAPAY

Country: Philippines

Field	Required	Notes
`accountNumber`	Required
`bankName`	Required	Must match a fixed bank name (list below)
`bankAddress.country`	Required	`PHL`
`bankAddress` (rest)	Optional
`currency`	Required	`PHP`
`transferType`	Required	`INSTAPAY`

Philippines InstaPay bank names

AllBank (A Thrift Bank), Inc., Asenso, Asia United Bank, BananaPay, Bangko Mabuhay, Bank of China, Bank of Commerce, BanKo, A subsidiary of BPI, BDO Bank, BDO Network Bank, Binangonan Rural Bank (BRBDigital), BPI, Camalig Bank, Cantilan Bank, CARD Bank, CARD SME Bank, Cebuana Lhuillier Bank/ Cebuana Xpress, China Bank, China Bank Savings, CIMB Bank Philippines, CIS Bayad Center/ Bayad, City Savings Bank, CTBC Bank (Philippines) Corp., Development Bank of the Philippines, Dumaguete Bank, Dungganon Bank, EastWest Bank, Easy Pay Global EMI Corp, Equicom Savings Bank, GCash, GoTyme Bank, GrabPay, I-Remit/iCASH, Infoserve / Nationlink, ISLABANK, JuanCash, Komo/ EastWest Rural Bank, LANDBANK / OFBank, Lazada Wallet (Alipay Ph.), Legazpi Savings Bank, Luzon Development Bank, Malayan Bank Savings, MarCoPay, MariBank, Maya Bank, Maybank, Metrobank, Mindanao Consolidated CoopBank, NetBank, Omnipay, Inc., Own Bank, PalawanPay, Partner Rural Bank (Cotabato), Inc., PayMaya/ Maya Wallet, PayMongo, PBCOM, PDAX, Peppermint Bizmoto Inc., Philippine Business Bank, Inc., A Savings Bank, Philippine Veterans Bank, PhilTrust Bank, PNB, Producers Savings Bank Corporation, PSBank, Queenbank, Quezon Capital Rural Bank, RCBC / Diskartech, Robinsons Bank, Security Bank, ShopeePay, SpeedyPay, Standard Chartered Bank, Starpay, Sterling Bank of Asia, Sun Savings Bank, TayoCash, Tonik Bank, TraxionPay/ DigiCOOP/ COOPNET, UCPB Savings Bank, Union Bank of the Philippines, UnionDigital Bank, UNOBank, USSC, Wealth Bank, Wise Pilipinas, Inc., Yuanta Bank

PESONET

Country: Philippines

Field	Required	Notes
`accountNumber`	Required
`bankName`	Required	Must match a fixed bank name (list below)
`bankAddress.country`	Required	`PHL`
`bankAddress` (rest)	Optional
`currency`	Required	`PHP`
`transferType`	Required	`PESONET`

Philippines PESONet bank names

Agribusiness Banking Corporation-A Rural Bank, Al-Amanah Islamic Invest. Bank, AllBank (A Thrift Bank), Inc., ANZ Banking Group Ltd, Asenso, Asia United Bank, Bangko Kabayan, Bangko Mabuhay, Bangko Nuestra Señora Del Pilar, Bangkok Bank - Manila Branch, Bank of America, N.A. - Manila Branch, Bank of China, Bank of Commerce, Bank of Florida, Bank Of Makati (A Savings Bank), Inc., BanKo, A subsidiary of BPI, Bayanihan Bank, Inc., BDO Bank, BDO Network Bank, Biñan Rural Bank, Inc., BPI, Camalig Bank, Cantilan Bank, Cathay United Bank - Manila Branch, Cebuana Lhuillier Bank/ Cebuana Xpress, China Bank, China Bank Savings, CIMB Bank Philippines, Citibank, N.A. - Manila Branch, City Savings Bank, Community Rural Bank of Romblon (Romblon), Inc., Cooperative Bank Of Quezon Province, CTBC Bank (Philippines) Corp., Deutsche Bank AG - Manila Branch, Development Bank of the Philippines, Dumaguete Bank, Dungganon Bank, EastWest Bank, Easy Pay Global EMI Corp, Equicom Savings Bank, First Consolidated Bank, Gateway Rural Bank, Inc., GCash, GoTyme Bank, GrabPay, Guagua Rural Bank, HSBC, Industrial and Commercial Bank of China Limited - Manila Branch, Industrial Bank of Korea - Manila, ING Bank N.V, Innovative Bank, Inc. (A Rural Bank), JP Morgan Chase Bank, N.A - Manila Branch, JuanCash, KEB Hana Bank – Manila Branch, Komo/ EastWest Rural Bank, Laguna Prestige Bank, LANDBANK / OFBank, LOLC Bank Philippines, Inc. A Thrift Bank, Lulu Money, Malarayat Rural Bank, Inc., Malayan Bank Savings, MariBank, Maya Bank, Maybank, Mega Int’l Commercial Bank - Manila Branch, Metrobank, Mizuho Bank, Ltd. – Manila Branch, Money Mall Rural Bank, Inc., MUFG Bank, Ltd. - Manila Branch, MVSM Bank (A Rural Bank Since 1953) Inc.[Marikina Valley San Mateo Bank], NetBank, New Rural Bank Of San Leonardo (Nueva Ecija), Inc., Own Bank, PalawanPay, PayMaya/ Maya Wallet, PayMongo, PBCOM, PDAX, Philippine Business Bank, Inc., A Savings Bank, Philippine Veterans Bank, PhilTrust Bank, PNB, Producers Savings Bank Corporation, PSBank, Queenbank, Rang-Ay Bank, RBT Bank, RCBC / Diskartech, Robinsons Bank, Rural Bank of Angeles, Inc., Rural Bank Of Bacolod City, Inc., Rural Bank Of Bauang, Inc., Rural Bank of Digos, Rural Bank Of La Paz, Inc., Rural Bank Of Lebak (Sultan Kudarat), Incorporated, Rural Bank of Mangaldan, Inc., Rural Bank of Montalban, Rural Bank Of Porac (Pampanga), Inc., Rural Bank of Rosario (La Union), Inc., Rural Bank Of Sagay, Inc.

SGD

BANK

Country: Singapore

Field	Required	Notes
`accountNumber`	Required
`swiftCode`	Required	8 or 11 characters, SWIFT/BIC format
`bankName`	Required	Free text
`bankAddress.country`	Required	`SGP`
`bankAddress` (rest)	Optional
`currency`	Required	`SGD`
`transferType`	Required	`BANK`

AED

BANK

Country: United Arab Emirates

Field	Required	Notes
`iban`	Required
`swiftCode`	Required	8 or 11 characters, SWIFT/BIC format
`bankName`	Required	Free text
`bankAddress.country`	Required	`ARE`
`bankAddress` (rest)	Optional
`currency`	Required	`AED`
`transferType`	Required	`BANK`

AUD

BANK

Country: Australia

Field	Required	Notes
`accountNumber`	Required
`bsbCode`	Required	6 digits (e.g. 062000)
`bankName`	Required	Free text
`bankAddress.country`	Required	`AUS`
`bankAddress` (rest)	Optional
`currency`	Required	`AUD`
`transferType`	Required	`BANK`

CAD

BANK

Country: Canada

Field	Required	Notes
`accountNumber`	Required
`transitNumber`	Required	5 digits (e.g. 00023)
`bankCode`	Required	3 digits (e.g. 003)
`swiftCode`	Required	8 or 11 characters, SWIFT/BIC format
`bankName`	Required	Free text
`bankAddress.country`	Required	`CAN`
`bankAddress` (rest)	Optional
`currency`	Required	`CAD`
`transferType`	Required	`BANK`

VND

BANK

Country: Vietnam

Field	Required	Notes
`accountNumber`	Required
`swiftCode`	Required	8 or 11 characters, SWIFT/BIC format
`bankName`	Required	Must match a fixed bank name (list below)
`bankAddress.country`	Required	`VNM`
`bankAddress` (rest)	Optional
`currency`	Required	`VND`
`transferType`	Required	`BANK`

Vietnam bank names

JPY

BANK

Country: Japan

Field	Required	Notes
`accountNumber`	Required
`zenginBranchCode`	Required	3 digits (e.g. 003)
`bankCode`	Required	4 digits (e.g. 0003)
`accountType`	`CHECKING` `SAVING`
`bankName`	Required	Free text
`bankAddress.country`	Required	`JPN`
`bankAddress` (rest)	Optional
`currency`	Required	`JPY`
`transferType`	Required	`BANK`

GBP

BANK

Country: United Kindom

Field	Required	Notes
`accountNumber`	Required
`sortCode`	Required	6 digits (e.g. 040004)
`bankName`	Required	Free text
`bankAddress.country`	Required	`GBR`
`bankAddress` (rest)	Optional
`currency`	Required	`GBP`
`transferType`	Required	`BANK`

Getting Help

📧 Email: support@hifi.com
💬 Slack: Message us in our shared Slack channel

Counterparty Overview - Counterparty resources
External Account - Create and manage bank accounts for a counterparty
Counter Party - Create and manage recipients/payers

​USD

​ACH

​WIRE

​RTP

​SWIFT

​EUR

​SEPA

​BRL

​PIX

​Additional Counterparty Information Required

​CNY

​SWIFT

​COP

​NEQUI

​Additional Counterparty Information Required

​BANK (ACH)

​Additional Counterparty Information Required

​HKD

​CHATS

​MXN

​SPEI

​NGN

​BANK

​PHP

​INSTAPAY

​PESONET

​SGD

​BANK

​AED

​BANK

​AUD

​BANK

​CAD

​BANK

​VND

​BANK

​JPY

​BANK

​GBP

​BANK

​Getting Help

​Related Resources

USD

ACH

WIRE

RTP

SWIFT

EUR

SEPA

BRL

PIX

Additional Counterparty Information Required

CNY

SWIFT

COP

NEQUI

Additional Counterparty Information Required

BANK (ACH)

Additional Counterparty Information Required

HKD

CHATS

MXN

SPEI

NGN

BANK

PHP

INSTAPAY

PESONET

SGD

BANK

AED

BANK

AUD

BANK

CAD

BANK

VND

BANK

JPY

BANK

GBP

BANK

Getting Help

Related Resources