Beneficiaries

External Bank Accounts

These accounts are existing bank accounts that belong to your beneficiaries (e.g., an HSBC bank account that an Individual has for their own personal use). They are not created or managed by Scallop.

The sections below show the country-specific requirements for both local and SWIFT payments. Note that only the active corridors outlined in the countries & rails page are included.

Fields required to receive Local payments

A few notes:

• Account Holder email: Emails are required for all countries. However, this is purely for record keeping purposes. Emails will not be sent to the account holder. If you do not have the account holder's email, you may put an email that belongs to the sender

• Account Holder address: The address cannot be a PO Box or PMB. This will cause issues when attempting to send a payment

• First/Last or Business name: If the account holder is an individual, you will always need to provide the first and last name. If the account holder is a business, you will always need to provide the business name

• Bank names: Some countries require the bank name to be spelled exactly. Please use the following document to see which countries have this requirement

Country	Required Fields
Mexico (MX)	- CLABE Number
Guatemala (GT)	- Account Number - Bank Name - Phone Number
Bangladesh (BD), Sri Lanka (LK), New Zealand (NZ)	- Bank Code - Bank Name - Account Number
Jamaica (JM), Japan (JP)	- Bank Code - Bank Name - Account Holder Street Line 1 - Account Number - Phone Number
Ghana (GH), Indonesia (ID), Kenya (KE), South Korea (KR), Morocco (MA), Philippines (PH), Singapore (SG), Thailand (TH), Tanzania (TZ), Vietnam (VN)	- Account Number - Bank Name
China (CN)	- Account Number - Bank Name - CNAPS Code - Account Holder Street Line 1
El Salvador (SV), Honduras (HN), Malaysia (MY), South Africa (ZA)	- Account Number - Account Holder Phone Number - Bank Name
Nigeria (NG)	- NUBAN Code - Bank Name
United Arab Emirates (AE), Andorra (AD), Austria (AT), Belgium (BE), Bulgaria (BG), Switzerland (CH), Cyprus (CY), Denmark (DK), Estonia (EE), Spain (ES), Finland (FI), France (FR), Germany (DE), Greece (GR), Hungary (HU), Croatia (HR), Israel (IL), Ireland (IE), Iceland (IS), Italy (IT), Latvia (LV), Liechtenstein (LI), Lithuania (LT), Luxembourg (LU), Malta (MT), Monaco (MC), Netherlands (NL), Norway (NO), Pakistan (PK), Portugal (PT), Romania (RO), Slovakia (SK), Slovenia (SI), Saudi Arabia (SA), Turkey (TR)	- IBAN
Czech Republic (CZ)	- IBAN - Tax Number (B2B only)
Egypt (EG)	- IBAN - Account Holder Street Line 1
United Kingdom (GB)	- IBAN - Account Holder Street Line 1 - Account Holder City - Bank Street Line 1 (B2B only) - Bank Street City (B2B only) - Tax Number (B2B only)
Poland (PL), Sweden (SE)	- IBAN - Account Holder Street Line 1 (B2B only) - Account Holder City (B2B only) - Tax Number (B2B only)
India (IN)	- IFSC Code - Account Number
United States (US)	- Routing Number - Account Number
Canada (CA)	- Transit Number (5 digit transit code + 3 institution code) - Account Number
Australia (AU)	- BSB Number - Account Number
Brazil (BR)	- Account Number (Depending on provider) - Branch Code (Depending on provider) - Tax Number (Depending on provider) - PIX Code (Depending on provider)
Bolivia (BO), Dominican Republic (DO), Ecuador (EC)	- Account Number - Tax Number - Bank Name
Peru (PE) Note: A Peruvian bank account format requires the 20-digit CCI (Código de Cuenta Interbancario) for interbank transfers, which includes the bank's identification code and the 12-digit account number. Note: The Tax Number is the 8-digit DNI (Documento Nacional de Identidad)	- Account Number - Tax Number - Bank Name
Chile (CL)	- Account Number - Tax Number - Account Holder City - Bank Name
Argentina (AR)	- Account Number - Tax Number - Account Holder Phone Number - Account Holder Street Line 1 - Bank Name
Colombia (CO)	- Account Number - Tax Number - Account Holder Phone Number - Account Holder Street Line 1 - Account Holder City - Bank Name
Costa Rica (CR)	- IBAN - Bank Code - Bank Name - Tax Number
Hong Kong (HK)	- Clearing Code - Account Number - Account Holder Street Line 1 - Bank Name

Fields required to receive International Wires (SWIFT)

When you send an international wire, you'll need all the information for a local transfer (see above), plus:

1. SWIFT/BIC code: A unique identifier for the recipient's bank (8-11 characters).

2. IBAN number (not all countries, see list below): An international bank account number (up to 34 characters).

A SWIFT code ensures the transfer reaches the correct bank. An IBAN identifies the specific account within that bank. Countries that do not require an IBAN will use another field as the account specifier (e.g., CLABE in Mexico).