Bank account field formatting

Last updated: November 26, 2025

Use the following bank account fields and formatting to create bank account payment instruments or request Enterprise or Platforms bank payouts for Europe, the United Kingdom, and the United States.

You can also retrieve this information using the API.

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

Requirement	Description
Currencies	`EUR` – Uses the SEPA Instant or SEPA Credit Transfer scheme `SEK` – Uses Local SEK in Sweden only
Schemes	Minimum amount (local currency) – 0.01 Maximum amount (local currency) – 100,000 Cut-off time – None Settlement – Instant Note If SEPA Instant is not available, or the amount is over 100,000 EUR, Checkout.com automatically defaults to SEPA Credit Transfer. Minimum amount (local currency) – 0.01 Cut-off time – None Settlement – One business day Minimum amount (local currency) – 0.01 Maximum amount (local currency): Customer-to-customer transactions – 200,000 USD equivalent Business-to-business transactions – 2,000,000 USD equivalent Business-to-customer transactions – 1,000,000 USD equivalent Cut-off time – None Settlement – Instant
Required bank details and format	`iban` string The account holder's international bank account number (IBAN). Format – Alphanumerical string – See the Country specifications table.
Required bank details and format	`swift_bic` string The bank or branch identifier. Format – See the Country specifications table.

Use the specified formatting per supported country:

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

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

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

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

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

To check required destination bank account fields and formatting for destination countries and currencies for bank payouts, call the Get bank account field formatting endpoint.

Provide the following path parameters:

{country} – The destination country, as an ISO alpha-3 country code
{currency} – The destination currency, as an ISO 4217 code

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

post

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


1{
2  "sections": [
3    {
4      "name": "Account Details",
5      "fields": [
6        {
7          "id": "iban",
8          "type": "string",
9          "display": "IBAN",
10          "description": "Alphanumeric account identifier",
11          "section": "account",
12          "required": true,
13          "validation_regex": "^[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,18}$",
14          "min_length": 22,
15          "max_length": 22
16        }
17      ]
18    }
19  ]
20}

Bank account field formatting

Europe

SEPA Instant

Note

SEPA Credit Transfer

Local SEK

Country specifications

United Kingdom

SEPA Instant

Faster Payments

United States

Same Day ACH

Next Day ACH

Information

Get bank account field formatting using the API

Response example