PM Intl PMT Supplement

The Payment Manager® Service
International Payment
Supplement
Contents
About this guide ............................................................................................................................................ 1
International ACH payments ......................................................................................................................... 2
Overview ................................................................................................................................................... 3
The IAT SEC code ................................................................................................................................... 3
How the international ACH process works ........................................................................................... 3
Guidelines for international ACH transactions ......................................................................................... 4
IBANs and BICs ...................................................................................................................................... 4
Savings accounts ................................................................................................................................... 4
Prenotes ................................................................................................................................................ 4
Utility payments .................................................................................................................................... 4
Remitter detail/beneficiary statement ................................................................................................. 5
Foreign exchange .................................................................................................................................. 5
Foreign exchange type field values ....................................................................................................... 5
IBAN formats ......................................................................................................................................... 7
Processing deadlines and transaction posting ...................................................................................... 7
Country-specific transaction information ................................................................................................. 8
Eligible currency pairs matrix ................................................................................................................ 8
Quick reference ..................................................................................................................................... 9
SEPA payments ................................................................................................................................... 12
Australia .............................................................................................................................................. 18
Canada ................................................................................................................................................ 19
Hong Kong ........................................................................................................................................... 21
India .................................................................................................................................................... 22
Mexico................................................................................................................................................. 23
New Zealand ....................................................................................................................................... 24
Philippines ........................................................................................................................................... 25
Singapore ............................................................................................................................................ 27
United Kingdom .................................................................................................................................. 32
International wire transfers ........................................................................................................................ 34
Guidelines for international wire transfers ............................................................................................ 34
© 2018 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.
How international wires are processed .............................................................................................. 34
Value date ........................................................................................................................................... 34
Cutoff times......................................................................................................................................... 35
Foreign currency wires........................................................................................................................ 36
Foreign exchange ................................................................................................................................ 37
Using an intermediary bank ................................................................................................................ 37
Fees ..................................................................................................................................................... 37
Settlement .......................................................................................................................................... 37
Obtaining information for your originated wires ............................................................................... 38
Book transfers ..................................................................................................................................... 38
Identifying beneficiary banks and accounts ........................................................................................... 39
Overview ............................................................................................................................................. 39
SWIFT BIC ............................................................................................................................................ 39
General Currency Requirements for all currencies............................................................................. 39
International routing codes (IRCs) ...................................................................................................... 40
International Bank Account Number (IBAN) ....................................................................................... 40
Important notes to improve straight-through-processing (STP) ........................................................ 40
Travel Rule and country requirements ............................................................................................... 41
IBAN formats ....................................................................................................................................... 41
Country and currency reference table .................................................................................................... 43
China CNH payment disclosure ............................................................................................................... 57
Cross-border Goods Trade .................................................................................................................. 57
Cross-border Services Trade ............................................................................................................... 57
Cross-border Capital Trade ................................................................................................................. 57
Charity Donation ................................................................................................................................. 58
Other Current Account Transactions .................................................................................................. 58
China (CNY) Payment Instructions ...................................................................................................... 58
Cross-Border Goods Trade .................................................................................................................. 58
Cross-Border Service Trade ................................................................................................................. 58
Jordan (JOD) Payment Instructions..................................................................................................... 59
Indonesia (IDR) Payment Instructions ................................................................................................ 60
© 2018 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.
About this guide
This supplement provides information about using the Payment Manager Service to create ACH and
wire payments to recipients outside the United States. Refer to the Payment Manager File specification
for your file type for information about where to enter this information in your payment file.
For general information about the Payment Manager Service, refer to The Payment Manager Service
Reference Guide.
The Payment Manager Service International Payment Supplement 1

September 2018
International ACH payments

September 2018
International ACH payments
Overview
The IAT SEC code
All international ACH payments use the IAT SEC code. You must use the IAT SEC code for any transaction
in which a financial institution located outside the territorial jurisdiction of the United States is involved
in the processing and/or settlement of the transaction.
Using the IAT SEC code makes it easier for financial institutions and gateway operators who process
originated ACH transactions (including Wells Fargo) to comply with U.S. law, including programs
administered by the Office of Foreign Assets Control (OFAC).
How the international ACH process works

The following diagram illustrates how international ACH transactions are processed.

September 2018
Guidelines for international ACH transactions
IBANs and BICs
To process an international ACH payment, you need the beneficiary’s account number and the bank ID
for the beneficiary’s bank.
IBANs — you can only use the IBAN (international bank account number) if it is specifically identified as
an acceptable format for the destination country.
BICs — you can only use the SWIFT BIC (bank identifier code, also known as the SWIFT address or code)
if it is specifically identified as an acceptable bank ID for the destination country.
See Country-specific transaction information for a description of the account number and bank ID you
can enter for each country.
Note: IBANs are required for SEPA payments. For more information about SEPA payments, see SEPA
payments.
Savings accounts
If the receiver of an international ACH transaction wants to use a savings account as the destination
account, it can be used only if it conforms to the account numbering convention required for the
destination country. Account numbering conventions are described in Country-specific transaction
information. A savings account with an internal account number that does not conform to the standard
required for the destination country cannot be used for international ACH.
Prenotes
For domestic ACH transactions, a prenote is a zero-dollar transaction sometimes used to “test” the
transaction information.
Prenotes, however, are not used for international ACH transactions. Prenotes are invalid in the payment
systems of other countries. To prevent them from being passed on to other countries’ payment systems,
Wells Fargo automatically rejects prenotes.
Utility payments
International ACH can be used to make payments to telecoms, electric companies, water companies,
and other utilities in some countries. To make a utility payment, you must be able to enter the necessary
remittance detail to properly apply the payment to the beneficiary’s account. If you cannot enter the
complete remittance information, initiate the payment using a wire transfer.
See Country-specific transaction information to determine whether you can include addenda
information for the beneficiary country and, if so, how many characters of information you can include.

September 2018
Remitter detail/beneficiary statement
Beneficiaries usually see your company’s name on the received item as the originator. If a receiving bank
does not pass along this information, Wells Fargo is listed as the originator.
Foreign exchange
If you originate a cross-currency payment, foreign exchange is performed to convert the transaction
amount from the origination currency to the destination currency.
The following is an example of a conversion from U.S. dollars (USD) to Canadian dollars (CAD) when the
exchange rate is 1.5:
Originated transaction amount = USD $100.00
Received amount = 100.00 x exchange rate
= 100.00 x 1.5
= CAD 150.00
You can contract the foreign exchange rate with our Foreign Exchange desk prior to settlement. If a
contract is in place, include the contract number in your ACH file in the foreign exchange reference field.
If you do not include a contract rate in your file, the rate based on your foreign exchange profile is
applied.
Foreign exchange is performed the morning of the date the transaction settles to your account. For
prepaid customers, this is the effective entry date (the date the transaction is sent to the payment
system by Well Fargo). For credit customers, the transaction settles and the foreign exchange is
performed on the value date (the date the beneficiary receives funds).
Note: The contract must remain in effect through the date when the foreign exchange is performed as
specified above. If the contract expires before the file is processed by Wells Fargo, the contract
rate will not be accepted.
Foreign exchange type field values

The foreign exchange (FX) type field in Payment Manager Files indicates the foreign exchange
conversion method for a transaction. Valid entries for this field are FV, VF, and FF.
FV — fixed to variable
FV stands for fixed to variable. In this situation:
• Your Wells Fargo account is denominated in a currency that is different from the currency for the
receiver’s account.
• The amount from your Wells Fargo account is fixed, and the amount to the receiver depends on the
foreign exchange conversion.

September 2018
Example 1: you have employees abroad, and you pay them a monthly stipend of 1,000 USD to be
deposited to their account at a foreign bank in the local currency. You originate each ACH transaction for
$1,000 from your USD account, and we perform the currency conversion and send the payment in the
local currency. We debit your USD account for $1,000, and we include the amount of foreign currency
sent on your statement.
Example 2: your company operates in Europe, and you have vendors in the U.K. that you pay a monthly
service fee of 1,000 euros to be deposited to their account at a bank in the U.K. You originate each ACH
transaction of 1,000 euros from your London EUR account, and we perform the currency conversion and
send the payment in GBP. We debit your EUR account for 1,000 euros, and we include the amount in
GBP on your statement.
VF — variable to fixed
VF stands for variable to fixed. In this situation:
• Your Wells Fargo account is denominated in a currency that is different from the currency for the
receiver's account.
• The foreign currency amount to the receiver is fixed, and amount from your Wells Fargo account
depends on the foreign exchange conversion.
Example 1: your vendor invoices you for 1,000 euros. You originate an ACH transaction for 1,000 euros
from your USD account, and we perform the currency conversion to determine the USD amount to debit
your account for the transaction. We send 1,000 euros to your vendor’s account, and we include your
USD settlement amount on your statement.
Example 2: you have employees in Singapore, and you pay them a monthly stipend of 1,000 SGD to be
deposited to their accounts at a bank in Singapore. You originate each ACH transaction from your HKD
MCA account, and we perform the currency conversion to determine the HKD amount to debit your
account. We send 1,000 SGD to your employees, and we include the amount in HKD on your statement.
FF — fixed to fixed
FF stands for fixed to fixed, and you use this option when the transaction doesn’t require foreign
exchange. This occurs when your Wells Fargo account and the receiver’s account are denominated in
the same currency. In this situation, no foreign exchange is necessary.
Example: your vendor invoices you for 1,000 euros. You originate an ACH transaction from your London
branch account for 1,000 euros, and we send 1,000 euros to your vendor’s account. The settlement on
your MCA account is 1,000 euros. No currency conversion is necessary.

September 2018
IBAN formats
A typical IBAN format is as follows:
• Two-letter country code

• Two check digits calculated from the remainder of the IBAN
• Bank code (length varies)
• Branch code (length varies, not included for all countries)
• Account number (length varies)
The first four characters are always a two-letter country code and two check digits, but the remaining
content varies by country. The IBAN for some countries contain other elements than listed above, such
as an account type code or additional check digits.
Processing deadlines and transaction posting

Your file must be received by the deadline indicated below on the day of the effective entry date for
transactions in the file.
You can send a file to Wells Fargo up to 45 days in advance of the effective entry date. Wells Fargo
warehouses your international ACH transactions until the day of processing.
When determining the posting date, consider both U.S. holidays and holidays for the destination
country.
Deadline (Central Wells Fargo settlement Beneficiary receives

Destination
Time) account debited* credit
SEPA (see SEPA 5:30 am CT Day 2 2 days
payments)
Australia 12:30 pm CT Day 2 2-3 days
Canada 2:30 am CT Day 1 CAD 1-2 days CAD
Day 2 USD 2-3 days USD
Note: For some remote destinations in Canada, transactions may post later than the specified effective entry
date.
Hong Kong 9:00 am CT Day 3 3-4 days
India 9:00 am CT Day 3 3-5 days
Mexico 5:30 am CT Day 2 2-3 days
New Zealand 12:30 pm CT Day 2 2-3 days
Philippines 9:00 am CT Day 2 2-3 days
Singapore 9:00 am CT Day 2 3-4 days
United Kingdom (non- 8:30 am CT Day 3 3-4 days
SEPA)
* Prepaid customers are debited on the effective entry date.

September 2018
Country-specific transaction information
Eligible currency pairs matrix
As shown in the table below, the type of international transaction you can originate depends on the originating account for the transaction.
Debit payments Credit payments

Destination
Destination currency/country
currency/country
United States*
United States
New Zealand
Great Britain
Hong Kong
Philippines
Singapore
Australia
Canada
Canada
Canada
Canada
Mexico
India
SEPA
MXN
HKD
AUD
NZD
USD
SGD
USD
USD
USD
CAD
CAD
PHP
GBP
EUR
INR
Origination currency
Multi-currency EUR – Eurozone Euro N Y Y Y Y Y Y Y Y Y N N Y Y N

account
AUD – Australian dollar N Y Y Y Y Y Y Y Y Y N N Y Y N
CAD – Canadian dollar N Y Y Y Y Y Y Y Y Y N N Y Y N
USD – U.S. dollar N Y Y Y Y Y Y Y Y Y N N Y Y N
HKD – Hong Kong dollar N Y Y Y Y Y Y Y Y Y N N Y Y N
INR – Indian rupee** N N N N N Y N N N N N N N N N
MXN – Mexican peso N Y Y Y Y Y Y Y Y Y N N Y Y N
NZD – New Zealand dollar N Y Y Y Y Y Y Y Y Y N N Y Y N
PHP – Philippine peso** N N N N N N N N Y N N N N N N
SGD – Singapore dollar N Y Y Y Y Y Y Y Y Y N N Y Y N
GBP – British pound N Y Y Y Y Y Y Y Y Y N N Y Y N
London branch EUR – Eurozone Euro Y Y Y Y Y Y Y Y Y Y Y N Y Y N
account USD – U.S. dollar Y Y Y Y Y Y Y Y Y Y Y N Y Y N
GBP – British pound*** Y Y Y Y Y Y Y Y Y Y Y N Y Y N
U.S. account USD – U.S. dollar N Y Y Y Y Y Y Y Y Y N Y Y Y Y****
* USD to the U.S. can only be originated from a U.S. account.
** Cross-currency payments are not allowed from INR and PHP multi-currency accounts due to account restrictions.
*** Due to local regulations, pre-paid options are not available for GBP payments from London branch accounts.
**** Debit payments in USD to the U.S. are not permitted from prepaid U.S. accounts.

September 2018
Quick reference
The types of international transactions you can originate depend on the type of account you use to originate a transaction. See Eligible currency
pairs matrix on the previous page for more information.
Cntry Curr Your acct Receiver

Country SEPA Receiver acct number Receiver bank ID Remit info
code code debited credited
Aland Island Yes FI EUR 18-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Australia AU AUD Max 9-char acct no 6-digit BSB 18 chars Day 2 2-3 days
Austria Yes AT EUR 20-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Azores Yes PT EUR 25-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Belgium Yes BE EUR 16-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Bulgaria Yes BG EUR 22-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Canada CA CAD, Max 17-digit acct no 9-digit routing code None Day 1 CAD 1-2 days CAD
USD Day 2 USD 2-3 days USD
Canary Islands Yes ES EUR 24-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Croatia Yes HR EUR 21-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Czech Republic Yes CZ EUR 24-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Denmark Yes DK EUR 18-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Estonia Yes EE EUR 20-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Finland Yes FI EUR 18-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
France Yes FR EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
French Guiana Yes GF EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Germany Yes DE EUR 22-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Gibraltar Yes GI EUR 23-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Greece Yes GR EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Guadeloupe Yes GP EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Guernsey Yes GG EUR 22-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Hong Kong HK HKD Max 35-digit acct no 8- or 11-char SWIFT BIC None Day 3 3-4 days
Hungary Yes HU EUR 28-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Iceland Yes IS EUR 26-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
India IN INR Max 34-char acct no 11-char IFSC None Day 3 3-5 days
Ireland Yes IE EUR 22-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Isle of Man Yes IM EUR 22-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days

September 2018
Italy Yes IT EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Jersey Yes JE EUR 22-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Latvia Yes LV EUR 21-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Liechtenstein Yes LI EUR 21-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Lithuania Yes LT EUR 20-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Luxembourg Yes LU EUR 20-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Malta Yes MT EUR 31-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Martinique Yes MQ EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Mayotte Yes YT EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Mexico MX MXN 18-digit CLABE 18-digit CLABE None Day 2 2-3 days
Monaco Yes MC EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Netherlands Yes NL EUR 18-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
New Zealand NZ NZD 12-digit acct no 6-digit bank/branch no 12 chars Day 2 2-3 days
Norway Yes NO EUR 15-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Philippines PH PHP Max 35-digit acct no 8- or 11-char SWIFT BIC or None Day 2 2-3 days
9-digit BRSTN
Poland Yes PL EUR 28-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Portugal Yes PT EUR 25-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Reunion Yes RE EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Romania Yes RO EUR 24-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Saint Barthelemy Yes BL EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Saint Martin (French part) Yes MF EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Saint Pierre et Miquelon Yes PM EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
San Marino Yes SM EUR 27-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Singapore SG SGD Max 35-digit acct no 11-char SWIFT BIC None Day 2 3-4 days
Slovak Republic Yes SK EUR 24-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Slovenia Yes SI EUR 19-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Spain Yes ES EUR 24-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Sweden Yes SE EUR 24-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
Switzerland Yes CH EUR 21-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days
United Kingdom (non-SEPA) GB GBP 8-digit acct no (add 6-digit sort code 18 chars Day 3 3-4 days
leading zeros, if needed)

September 2018
United Kingdom (SEPA) Yes GB EUR 22-char IBAN 8- or 11-char SWIFT BIC 140 chars Day 2 2 days

September 2018
SEPA payments
The Single Euro Payments Area (SEPA) initiative created a zone in which qualifying ACH payments are
treated as if they are within the same country even when the receiving financial institution is in a
different country. SEPA ACH payments can be simpler to originate because you provide the same basic
information for the receiver regardless of the country where the receiving financial institution is located.
Information passed through the local clearing system to the beneficiary is standardized for SEPA
payments, as is information provided on returned transactions.
An ACH payment originated through Wells Fargo is sent as a SEPA payment if it meets the following
requirements:
• The originating account is a Wells Fargo London account denominated in U.S. dollars, British pounds,
or euros.
• The receiving financial institution is located in one of the SEPA countries listed below.
• The payment conforms to the requirements in the table below.
The following is a list of countries supported for SEPA payments.
Austria France Lithuania Romania *

Belgium Germany Luxembourg San Marino
Bulgaria * Greece Malta Slovakia
Croatia * Hungary * Monaco Slovenia
Cyprus Iceland * Netherlands Spain
Czech Republic * Ireland Norway * Sweden *
Denmark * Italy Poland * Switzerland *
Estonia Latvia Portugal United Kingdom *
Finland Liechtenstein *
* Although these countries accept SEPA payments in euros, the euro is not the national currency for
these countries. As a result, SEPA payments to these countries may require foreign exchange by the
beneficiary bank, which may impact the date when the beneficiary receives the funds.
The following is a list of dependent territories supported for SEPA payments.
Aland Islands Gibraltar Jersey Reunion

Azores Guadeloupe Madeira Saint Barthelemy
Canary Islands Guernsey Martinique Saint Martin (French part)
French Guiana Isle of Man Mayotte Saint Pierre et Miquelon
Max
Item Description
length
Receiver’s account number Varies Must be an IBAN of the length required for the destination country. See
Quick reference.
Receiving DFI ID (bank 8 or 11 If provided, must be the bank’s 8- or 11-character SWIFT BIC code.
ID) (optional)
Currency 3 EUR (euros)
Destination country code 2 See Quick reference.
SEPA category purpose 4 See SEPA category purpose codes.
code (optional)

September 2018
SEPA purpose code 4 See SEPA purpose codes.
(optional)
Reference (optional) 35 You can include up to 35 characters of SEPA reference information.
Minimum transaction 0.01 euro
amount
Remittance information 140 You can include up to 140 characters of remittance information in two 717
addenda records.
Beneficiary receives credit 2 days
SEPA category purpose codes

The following table lists valid ISO codes for the optional SEPA category purpose code field.
BONU Bonus payment INTE Interest

CASH Cash management transfer LOAN Loan
CBLK Card bulk clearing OTHR Other payment
CCRD Credit card payment PENS Pension payment
CORT Trade settlement payment SALA Salary payment
DCRD Debit card payment SECU Securities
DIVI Dividend SSBE Social Security benefit
EPAY E-payment SUPP Supplier payment
FCOL Fee collection TAXS Tax payment
GOVT Government payment TRAD Trade
HEDG Hedging TREA Treasury payment
ICCP Irrevocable credit card payment VATX Value-added tax payment
IDCP Irrevocable debit card payment WHLD Withholding
INTC Intra-company payment
SEPA purpose codes

The following table lists valid ISO codes for the optional SEPA purpose code field.
ACCT Account management

ADMG Administrative management
ADVA Advance payment
AEMP Active employment policy
AGRT Agricultural transfer
AIRB Air
ALMY Alimony payment
ANNI Annuity
ANTS Anesthesia services
AREN Accounts receivables entry
BECH Child benefit
BENE Unemployment disability benefit
BEXP Business expenses
BLDM Building maintenance

September 2018
BOCE Back office conversion entry
BONU Bonus payment.
BUSB Bus
CAFI Custodian management fee in-house
CASH Cash management transfer
CBFF Capital building
CBLK Card bulk clearing
CBTV Cable TV bill
CCRD Credit card payment
CDBL Credit card bill
CDCB Card payment with cash back
CDCD Cash disbursement
CDCS Cash disbursement with surcharging
CDOC Original credit
CDQC Quasi-cash
CFDI Capital falling due in-house
CFEE Cancellation fee
CGDD Card generated direct debit
CHAR Charity payment
CLPR Car loan principal repayment
CMDT Commodity transfer
COLL Collection payment
COMC Commercial payment
COMM Commission
COMT Consumer third-party consolidated pmt
COST Costs
CPKC Carpark charges
CPYR Copyright
CSDB Cash disbursement
CSLP Company social loan payment to bank
CVCF Convalescent care facility
DBTC Debit collection payment
DCRD Debit card payment
DEPT Deposit
DERI Derivatives
DIVD Dividend
DMEQ Durable medical equipment
DNTS Dental services
ECPG Guaranteed ePayment
ECPR Non-guaranteed ePayment
ECPU ePayment return
EDUC Education
ELEC Electricity bill

September 2018
ENRG Energies
ESTX Estate tax
ETUP e-Purse top up
FAND Financial aid in case of natural disaster
FCOL Fee collection
FERB Ferry
FREX Foreign exchange
FWLV Foreign worker levy
GASB Gas bill
GDDS Purchase sale of goods
GDSV Purchase sale of goods and services
GFRP Guarantee fund rights payment
GOVI Government insurance
GOVT Government payment
GSCB Purchase sale of goods and services with cash back
GVEA Austrian government employees category A
GVEB Austrian government employees category B
GVEC Austrian government employees category C
GVED Austrian government employees category D
GWLT Government war legislation transfer
HEDG Hedging
HLRP Housing loan repayment
HLTC Home health care
HLTI Health insurance
HSPC Hospital care
HSTX Housing tax
ICCP Irrevocable credit card payment
ICRF Intermediate care facility
IDCP Irrevocable debit card payment
IHRP Installment hire purchase agreement
INPC Insurance premium car
INSM Installment
INSU Insurance premium
INTC Intra-company payment
INTE Interest
INTX Income tax
INVS Investment & securities
IVPT Invoice payment
LBRI Labor insurance
LICF License fee
LIFI Life insurance
LIMA Liquidity management
LOAN Loan

September 2018
LOAR Loan repayment
LTCF Long term care facility
MDCS Medical services
MSVC Multiple service types
MTUP Mobile top up
NETT Netting
NITX Net income tax
NOWS Not otherwise specified
NWCH Network charge
NWCM Network communication
OFEE Opening fee
OTHR Other
OTLC Other telecom related bill
PADD Preauthorized debit
PAYR Payroll
PENO Payment based on enforcement order
PENS Pension payment
PHON Telephone bill
POPE Point of purchase entry
PPTI Property insurance
PRCP Price payment
PRME Precious metal
PTSP Payment terms
PTXP Property tax
RCKE Re-presented check entry
RCPT Receipt payment
REFU Refund
RENT Rent
RHBS Rehabilitation support
RIMB Reimbursement of a previous erroneous transaction
RINP Recurring installment payment
RLWY Railway
ROYA Royalties
SALA Salary payment
SAVG Savings
SCVE Purchase sale of services
SECU Securities
SEPI Securities purchase in-house
SSBE Social Security benefit
STDY Study
SUBS Subscription
SUPP Supplier payment
TAXR Tax refund

September 2018
TAXS Tax payment
TELI Telephone-initiated transaction
TRAD Trade services
TREA Treasury payment
TRFD Trust fund
TRPT Road pricing
UBIL Utilities
VATX Value added tax payment
VIEW Vision care
WEBI Internet-initiated transaction
WHLD Withholding
WTER Water bill

September 2018
Australia
Max
Item Description
length
Account number 9 Alphanumeric. The account number is a max of nine characters, depending
on the financial institution. If less than nine characters, do not add leading
zeros.
Bank ID 6 Numeric. Six-digit BSB (Bank, State, Branch) number consisting of the
following:
A two-digit bank number
A one-digit state number
A three-digit branch number
For example, if the BSB number is 032001, 03 is the bank number, 2 is the
state number, and 001 is the branch number. Do not include a dash or any
other symbols.
Currency 3 AUD (Australian dollars)
Destination country code 2 AU
Minimum transaction .01 Australian dollar
amount
Addenda information You can include up to 18 characters of addenda information.
Beneficiary receives 2-3 days
credit
Note: All Originator and Beneficiary address elements are required (street address, city, state/province,
postal code, and country code). Failure to include all elements will result in rejected payments.
As shown in the following example, you can obtain the international routing number (BSB) and the
account number from a check for the receiver’s account.
Check BSB number Account

number (Bank, State, Branch) number

September 2018
Canada
General transaction information
A Canadian transaction can be either a credit (the transaction settles to receiver’s account) or debit (the
transaction settles to your Wells Fargo account).
Max
Item Description
length
Account number 17 Numeric. If less than 17 digits, do not add leading zeros.
Bank ID 9 Numeric. Consists of the following:
A four-digit institution number
A five-digit branch transit number
Currency 3 Either USD (U.S. dollars) or CAD (Canadian dollars).
A Canadian transaction must be denominated in the same currency as the
Canadian receiver’s account. A transaction received in a currency other than
the denomination of the receiver’s account will be returned.
Destination country code 2 CA
Minimum transaction .01 Canadian dollar
amount
Addenda information Do not submit addenda information.
Beneficiary receives 1-2 days for CAD transactions, 2-3 days for USD transactions
credit
You can obtain the routing/transit number and account number from a check for the receiver’s account.
In the following example, the routing/transit number is 000410202 (the 004 institution number with a
leading zero plus the 10202 branch transit number), and the account number is 06940234567.
Check serial Branch transit Institution Account

number number number number
Important:
• When using a check to determine the bank routing/transit number for ACH transactions, remember
that the institution number comes before the five-digit branch transit number. This is the opposite
of how they appear on the check.
• If the institution number is three digits on the check, add a leading zero to make it four digits.

September 2018
Rule H1 for Canadian debits
If you send Canadian debits, you must follow the Canadian Payments Association Rule H1. If you
originate ACH debits to accounts in Canada, your company must adhere to these specifications.
The Canadian Payments Association has the complete requirements for Rule H1 and information
regarding preauthorized debits (PADs) and your responsibilities as an originator of PADs. For further
information, refer to the Canadian Payments Association website at:
http://www.cdnpay.ca

September 2018
Hong Kong
Max
Item Description
length
Receiver’s account 35 Numeric. If account number is less than 35 digits, do not add leading zeros.
number
Receiving DFI ID (bank 11 Alphanumeric 8- or 11-character SWIFT BIC. When an 8-character BIC is
ID) provided, it refers to the primary office. The full 11-character BIC consists of
the following:
A four-letter alphabetic bank code
A two-letter alphabetic location code
A two-character alpha or numeric location code
A three-character branch code
Example: SCBLHKHHWHK
Currency 3 HKD (Hong Kong dollar)
Destination country code 2 HK
Minimum transaction .01 Hong Kong dollar
amount
Remittance information Do not submit remittance information.
credit

September 2018
India
Max
Item Description
length
Receiver’s account 34 Alphanumeric. If account number is less than 34 digits, do not add leading
number zeros.
Bank ID 11 Alphanumeric. Eleven character Indian Financial System Code (IFSC).
Consists of the following:
A four-letter alphabetic bank code
0 (zero)
A six-character branch code
Example: SCBL0036001
Currency 3 INR (Indian rupee)
Destination country code 2 IN
Minimum transaction 1.00 Indian rupee
amount
credit
ACH payments to India are settled through India’s National Electronic Funds Transfer (NEFT) system.
Note: If you have been remitting wires to your receiver, the financial institution where your receiver’s
account is held may use a different IFSC for NEFT payments than for wire transfers.
There are three ways to obtain the IFSC:
• The receiver can obtain the IFSC from the financial institution where the account is held. Each
branch of a bank has a unique IFSC code for NEFT payments.
• The Reserve Bank of India (RBI) publishes the list of bank branches participating in the National
Electronic Funds Transfer (NEFT) system at the following address:
https://rbi.org.in/scripts/neft.aspx
When you access that page, select List of NEFT enabled bank branches. Follow the instructions in
the dialog box to open or save the document.
• The RBI also advises banks to print their IFSC on checks. You may find the IFSC on a check from your
receiver, as shown in the following illustration.
DATE
PAY
OR BEARER
RUPEE
Rs.
SBGEN A/C NO.

0012010234567
AB Bank Limited
A-1, Senior Mall, Sector 1, Dist. GBN
Noida, U.P. - 101 202
RTGS/NEFT/IFSC Code: ABAB0000012
!123123! 110220333! 012345! 12
IFSC

September 2018
Mexico
Max
Item Description
length
Account number (CLABE) 18 Numeric. The CLABE number includes both the account number and
international routing code. The CLABE number is 18 digits and consists of
four components in the following order:
A three-digit bank code
A three-digit bank plaza code
An eleven-digit account number
A one-digit check digit
Bank ID 18 Enter the same number used for the account number field (the CLABE
number).
Currency 3 MXN (Mexican peso)
Destination country code 2 MX
Minimum transaction .01 peso
amount
credit

September 2018
New Zealand
Max
Item Description
length
Account number 12 Numeric. Do not include a dash or any other symbols. Consists of the
following:
An eight-digit account number. If the account number is less than eight
digits, use leading zeros.
A four-digit suffix. If the suffix is less than four digits, use leading zeros.
For example, if the account number is 12345 and the suffix is 789, the
entire 12-digit account number would be 000123450789.
Note: Credit union accounts cannot be used for international ACH.
Bank ID 6 Numeric. Six-digit bank/branch number consisting of the following:
A two-digit bank number
A four-digit branch number
For example, if the BSB number is 030123, 03 is the bank number and
0123 is the branch number. Do not include a dash or any other symbols.
Currency 3 NZD (New Zealand dollars)
Destination country code 2 NZ
Minimum transaction .01 New Zealand dollar
amount
credit
Note: All Originator and Beneficiary address elements are required (street address, city, state/province,
postal code, and country code). Failure to include all elements will result in rejected payments.
As shown in the following example, you can obtain the bank/branch number and account number from
a check for the receiver’s account.
Check Bank/branch Account

number code number

September 2018
Philippines
Max
Item Description
length
Account number 35 Numeric
Bank ID 11 Can be either of the following:

8- or 11-character SWIFT BIC
9-digit BRSTN
Currency 3 PHP (Philippine Peso)
Destination country code 2 PH
Minimum transaction amount 1 peso
Beneficiary receives credit 2-3 days
EPCS banks
The table below lists the banks in the Philippines that are part of the non-urgent clearing network, EPCS.
A payment to a bank not listed below will be rejected.
Payments to banks not listed below can be reviewed to determine if they can be processed as a cross-
border wire payment. Wire payments carry different pricing and require client set up and activation.
Contact your Relationship Manager for further information.
Bank BRSTN SWIFT BIC

Asia United Bank 011020011 AUBKPHMMXXX
Australia and New Zealand Bank 010700015 ANZBPHMXXXX
Banco De Oro Unibank, Inc. 010530667 BNORPHMMXXX
Bangkok Bank Public Co., Ltd. 010670019 BKKBPHMMXXX
Bank of America, N.A. 010120019 BOFAPH2XXXX
Bank of China 011140014 BKCHPHMMXXX
Bank of Commerce 010440016 PABIPHMMXXX
Bank of the Philippine Islands 010040018 BOPIPHMMXXX
Bank of Tokyo-Mitsubishi, Limited 010460012 BOTKPHMMXXX
China Banking Corporation 010100013 CHBKPHMMXXX
Citibank, N. A. 010070017 CITIPHMXXXX
CTBC Bank (Philippines) Corp. 010690015 CTCBPHMMXXX
Deutsche Bank 010650013 DEUTPHMMXXX
Development Bank of the Philippines 010590018 DBPHPHMMXXX
East-West Banking Corporation 010620014 EWBCPHMMXXX
First Consolidated Bank 020780012 FIOOPHMMXXX
Hong Kong and Shanghai Banking Corp. 010060014 HSBCPHMMXXX
JPMorgan Chase Bank 010720011 CHASPHMMXXX
Korea Exchange Bank 010710018 KOEXPHMMXXX
Land Bank of the Philippines 010350025 TLBPPHMMXXX

September 2018
Bank BRSTN SWIFT BIC
Maybank Philippines. Inc. 010220016 MBBEPHMMXXX
Mega Intl Comml Bank Co. Ltd 010560019 ICBCPHMMXXX
Metropolitan Bank and Trust Co 010269996 MBTCPHMMXXX
Mizuho Bank, Ltd. 010640010 MHCBPHMMXXX
Philippine Bank of Communications 010110016 CPHIPHMMXXX
Philippine National Bank 010080010 PNBMPHMMXXX
Philippine Trust Company 010090039 PHTBPHMMXXX
Philippine Veterans Bank 010330016 PHVBPHMMXXX
Rizal Commercial Banking Corp. 010280014 RCBCPHMMXXX
Robinsons Bank Corporation 011070016 ROBPPHMQXXX
Security Bank Corporation 010140015 SETCPHMMXXX
Shinhan Bank 011300016 SHBKPHMMXXX
Standard Chartered Bank 010050011 SCBLPHMMXXX
Sumitomo Mitsui Banking Corp 011280013 SMBCPHMMXXX
Union Bank of the Philippines 010419995 UBPHPHMMXXX
United Coconut Planters Bank 010299995 UCPBPHMMXXX
United Overseas Bank Philippines. 010270341 UOVBPHMMXXX
Bank of the Philippine Islands accounts

ACH payments to the Bank of the Philippine Islands cannot be made to the following types of accounts.
• Family accounts. Payments to the following family account series ranges will be rejected:
501XXXXXXX thru 692XXXXXXX
725XXXXXXX thru 764XXXXXXX
• USD accounts. Payments to USD account numbers will be rejected.

• BPI card numbers. Payments using BPI card numbers instead of account numbers will be rejected.

September 2018
Singapore
Max
Item Description
length
Receiver’s account number 35 Numeric. If less than 35 digits, do not add leading zeros.
Note: For accounts at HSBC Bank, OCBC Bank, and SBI Singapore,
add the three-digit branch code in front of the beneficiary account
number. This does not apply to payments made to beneficiaries at
other banks.
Bank ID 11 11-character SWIFT BIC (see table below). For an 8-character
SWIFT BIC, add XXX to the end to make it 11 characters.
Currency 3 SGD (Singapore dollars)
Destination country code 2 SG
Payment purpose code 4 See the table on the next page. If you leave this field blank or enter
an invalid code, our system will enter a default of OTHR (other).
Minimum transaction amount .01 Singapore dollar
Beneficiary receives credit 3-4 days
SWIFT BICs for Singapore

Bank SWIFT BIC
Australia & New Zealand Banking Group ANZBSGSXXXX
Bangkok Bank Public Company Limited BKKBSGSGXXX
Bank of America, NA BOFASG2XXXX
Bank of China Limited BKCHSGSGXXX
Bank of East Asia Ltd BEASSGSGXXX
Bank of India BKIDSGSGXXX
Bank of Tokyo-Mitsubishi UFJ, Ltd BOTKSGSXXXX
Bnp Paribas BNPASGSGXXX
Chinatrust Commercial Bank Co. Ltd CTCBSGSGXXX
Cimb Bank Berhad CIBBSGSGXXX
Citibank NA CITISGSGXXX
Commerzbank Aktiengesellschaft COBASGSXXXX
Crédit Agricole Corporate and Investment Bank CRLYSGSGXXX
DBS Bank Ltd DBSSSGSGXXX
Deutsche Bank AG DEUTSGSGXXX
DNB Bank ASA DNBASGSGXXX
Far Eastern Bank Ltd FAEASGSGXXX
First Commercial Bank FCBKSGSGXXX
HL Bank HLBBSGSGXXX
Hongkong and Shanghai Banking Corp Ltd HSBCSGSGXXX
ICICI Bank Limited ICICSGSGXXX
Indian Bank IDIBSGSGXXX
Indian Overseas Bank IOBASGSGXXX
Industrial and Commercial Bank of China ICBKSGSGXXX

September 2018
Bank SWIFT BIC
Intesa Sanpaolo S.P.A. BCITSGSGXXX
JPMorgan Chase Bank, N.A. CHASSGSGXXX
Korea Exchange Bank KOEXSGSGXXX
Landesbank Baden-Wurttemberg SOLASGSGXXX
Malayan Banking Bhd MBBESGSGXXX
Mizuho Bank Limited MHCBSGSGXXX
National Australia Bank Ltd NATASGSGXXX
Nordea Bank Finland PLC NDEASGSGXXX
Oversea-Chinese Banking Corpn Ltd OCBCSGSGXXX
PT Bank Negara Indonesia (Persero) Tbk BNINSGSGXXX
RHB Bank Berhad RHBBSGSGXXX
Royal Bank of Scotland PLC ABNASGSGXXX
Skandinaviska Enskilda Banken AB ESSESGSGXXX
Societe Generale SOGESGSGXXX
Standard Chartered Bank SCBLSGSGXXX
State Bank of India SBINSGSGXXX
Sumitomo Mitsui Banking Corporation SMBCSGSGXXX
Svenska Handelsbanken AB HANDSGSGXXX
UBS AG UBSWSGSGXXX
UCO Bank UCBASGSGXXX
United Overseas Bank Ltd UOVBSGSGXXX
Payment purpose codes

ACCT Account Management
ADVA Advance Payment
AGRT Agricultural Transfer
AIRB Air
ALLW Allowance
ALMY Alimony Payment
ANNI Annuity
ANTS Anesthesia Services
AREN Account Receivable Entry
BBSC Baby Bonus Scheme
BECH Child Benefit
BENE Unemployment Disability Benefit
BEXP Business Expenses
BOCE Back Office Conversion Entry
BONU Bonus Payment
BUSB Bus
CASH Cash Management Transfer
CBFF Capital Building
CBTV Cable TV Bill

September 2018
CCRD Credit Card Payment
CDBL Credit Card Bill
CDCB Credit Payment with Cashback
CDCD Cash Disbursement
CDOC Original Credit
CDQC Quasi cash:
CFEE Cancellation Fee
CHAR Charity Payment
CLPR Car Loan Principal Repayment
CMDT Commodity Transfer
COLL Collection Payment
COMC Commercial Payment
COMM Commission
COMT Consumer Third Party Consolidate Payment
COST Costs
CPKC Carpark Charges
CPYR Copyright
CSDB Cash Disbursement
CSLP Company Social Loan Payment To Bank
CVCF Convalescent Care facility
DBTC Debit Collection Payment
DCRD Debit Card Payment
DEPT Deposit
DERI Derivatives
DIVD Dividend
DMEQ Durable Medical Equipment
DNTS Dental Services
EDUC Education
ELEC Electricity Bill
ENRG Energies
ESTX Estate Tax
FCPM Payment of Fees and Charges
FERB Ferry
FREX Foreign Exchange
FWLV Foreign Worker Levy
GASB Gas Bill
GDDS Purchase Sale of Goods
GDSV Purchase Sale of Goods And Services
GOVI Government Insurance
GOVT Government Payment
GSCB Purchase Sale of Goods And Service
GSTX Goods And Services Tax
HEDG Hedging

September 2018
HLRP Housing Loan Repayment
HLTC Home Health Care
HLTI Health Insurance
HSPC Hospital Care
HSTX Housing Tax
ICCP Irrevocable Credit Card Payment
ICRF Intermediate Care Facility
IDCP Irrevocable Debit Card Payment
IHRP Instalment Hire Purchase Agreement
INPC Insurance Premium Car
INSU Insurance Premium
INTC Intra Company Payment
INTE Interest
INVS Investment And Securities
IVPT Invoice Payment
LBRI Labour Insurance
LICF License Fee
LIFI Life Insurance
LIMA Liquidity Management
LOAN Loan
LOAR Loan Repayment
LTCF Long Term Care Facility
MDCS Medical Services
MSVC Multiple Service Type
NETT Netting
NITX Net Income Tax
NOWS Not Otherwise Specified
NWCH Network Charge
NWCM Network Communication
OFEE Opening Fee
OTHR Other
OTLC Other Telecom Related Bill
PADD Preauthorised Debit
PAYR Payroll
PENS Pension Payment
PHON Telephone Bill
POPE Point of Purchase Entry
PPTI Property Insurance
PRCP Price Payment
PRME Precious Metal
PTSP Payment Terms
PTXP Property Tax
RCKE Re-presented Check Entry

September 2018
RCPT Receipt Payment
RDTX Road Tax
REBT Rebate
REFU Refund
RENT Rent
RINP Recurring Installment Payment
RLWY Railway
ROYA Royalties
SALA Salary Payment
SAVG Savings
SCVE Purchase Sale of Services
SECU Securities
SSBE Social Security Benefits
STDY Study
SUBS Subscription
SUPP Supplier Payment
TAXS Tax Payment
TBIL Telco Bill
TCSC Town Council Service Charges
TELI Telephone-Initiated Transaction
TRAD Trade Services
TREA Treasury Payment
TRFD Trust Fund
TRPT Transport
UBIL Utilities Bill
VATX Value Added Tax Payment
VIEW Vision Care
WEBI Internet-Initiated Transaction
WHLD With Holding
WTER Water Bill

September 2018
United Kingdom
Max
Item Description
length
Account number 8 Numeric. Add leading zeros if less than eight digits. For example, if the
account number is 123456, the account number you use is 00123456.
Savings accounts at banks are assigned a sort code and account number,
just like checking accounts. For these accounts, follow the same guidelines
as for checking accounts.
Note: Building Society collection accounts cannot be used for international
ACH.
Bank ID 6 Numeric. Six-digit sort code.
Currency 3 GBP (British pounds)
Destination country code 2 GB
Minimum transaction 1 British pound
amount
credit
As shown in the following example, you can obtain the sort code and account number from a check for
the receiver’s account.
Check Branch number Account

number (sort code) number

September 2018
International wire transfers

September 2018
International wire transfers
Guidelines for international wire transfers
How international wires are processed
The following diagram shows how international wires are processed.
United States Beneficiary’s country
Your company
Intermediary bank
(designated by
Payment file with Wells Fargo)
international wire
transactions
Wells Fargo Beneficiary’s bank
Beneficiary
Intermediary bank if needed.
Value date
The following table lists the typical value date assigned to an international wire transfer when you
submit it prior to the associated cutoff time listed in the next section. The actual value date may vary.
Currency Value date

U.S. dollars Same day*
Canadian dollars and Mexican pesos Same day*
Standard currencies 1-2 business days**
Additional currencies (those with a $1,000 USD 2 business days
equivalent minimum)
* May not be credited same-day, depending on the beneficiary time zone.

** Refer to the value date column in the Country and currency reference table.

September 2018
Cutoff times
The following table lists wire creation cutoff times. Any wires received after the cutoff time will be
processed the next business day. Best practice would be to originate the wire at least 15 minutes prior
to currency cut-off time.
Cutoff time
Currency
Cayman account London account Foreign exchange
AED UAE Dirham 4 pm ET two days N/A 4 pm ET two days
before value date before value date
AUD Australian dollar 6 pm ET one day before 10 am ET one day 6 pm ET one day before
value date before value date value date
BHD Bahraini dinar 5 pm ET one day before 10 am ET one day 5 pm ET one day before
CAD Canadian dollar 2:30pm ET on value 11 am ET on value date 2:30pm ET on value
date date
CHF Swiss franc 5 pm ET one day before 10 am ET one day 5 pm ET one day before
CNY China yuan renminbi 3 pm ET one day before N/A 3 pm ET one day before
(offshore) value date value date
CZK Czech koruna 5 pm ET one day before 10 am ET one day 5 pm ET one day before
DKK Danish krone 5 pm ET one day before 6 am ET on value date 5 pm ET one day before
value date value date
EUR European euro 9 am ET on value date 10 am ET on value date 9 am ET on value date
FJD Fijian dollar 4 pm ET two days N/A 4 pm ET two days
GBP British pound 9 am ET on value date 11:30 am ET on value 9 am ET on value date
date
HKD Hong Kong dollar 5 pm ET one day before 10 am ET one day 5 pm ET one day before
HRK Croatian Kuna 4 pm ET two days N/A 4 pm ET two days
HUF Hungarian forint 5 pm ET one day before N/A 5 pm ET one day before
IDR Indonesian rupiah 4:00 pm ET two days 10 am ET one day 4:00 pm ET two days
before value date before value date before value date.
ILS Israeli shekel 5 pm ET one day before N/A 5 pm ET one day before
INR Indian rupee 5 pm ET one day before 10 am ET one day 5 pm ET one day before
JOD Jordanian dinar 8 am ET one day before N/A 8 am ET one day before
JPY Japanese yen 5 pm ET one day before 10 am ET one day 5 pm ET one day before
KWD Kuwaiti dinar 8 am ET one day before N/A 8 am ET one day before
MAD Moroccan dinar 8 am ET one day before N/A 8 am ET one day before
MGA Madagascar Ariary 4 pm ET two days N/A 4 pm ET two days

September 2018
Cutoff time
Currency
Cayman account London account Foreign exchange
MXN Mexican peso 1:30 pm ET on value 10 am ET on value date 1:30 pm ET on value
date date
NOK Norwegian krone 5 pm ET one day before 6 am ET on value date 5 pm ET one day before
NZD New Zealand dollar 5 pm ET one day before 10 am ET one day 5 pm ET one day before
OMR Omani riyal 6 pm ET two days N/A 6 pm ET two days
PHP Philippine peso 5 pm ET one day before N/A 5 pm ET one day before
PLN Polish zloty 5 pm ET one day before 6 am ET on value date 5 pm ET one day before
QAR Qatari riyal 8 am ET one day before N/A 8 am ET one day before
RSD Serbian Dinar 4:00 pm ET two days N/A 4:00 pm ET two days
SAR Saudi riyal 6 pm ET one day before N/A 6 pm ET one day before
SEK Swedish krona 5 pm ET one day before 6 am ET on value date 5 pm ET one day before
SGD Singapore dollar 5 pm ET one day before 10 am ET one day 5 pm ET one day before
THB Thai baht 5 pm ET two days 10 am ET two days 5 pm ET two days
before value date before value date before value date
TRY Turkish new lira 5 pm ET one day before 10 am ET one day 5 pm ET one day before
USD United States dollar 4 pm ET on value date 12 pm ET on value date 4 pm ET on value date
XPF French Polynesian franc 4 pm ET two days N/A 4 pm ET two days
ZAR South African rand 5 pm ET one day before 10 am ET one day 5 pm ET one day before
ZMW Zambia Kwacha 4 pm ET two days N/A 4 pm ET two days
Foreign currency wires

The Payment Manager Service can process international wires denominated in a variety of foreign
currencies. The Payment Manager Service supports the following types of foreign currency wires:
• Foreign currency wire settling to a DDA account — the originating account is denominated in U.S.
dollars and the receiving account is denominated in foreign currency. The currencies are converted
using foreign exchange.
• Foreign currency wire settling to an MCA account — both the originating account and the receiving
account are denominated in the same foreign currency. The originating account (your Wells Fargo
account) is a multi-currency account. No foreign exchange is required during the processing of the
wire.

September 2018
Your Payment Manager file must contain complete data for each foreign currency wire. The Payment
Manager Service does not support the use of templates or repetitive wires for foreign currency wires.
Foreign exchange
You have several options to convert your wire transfers to foreign currency.
• Contact your Wells Fargo foreign exchange specialist to obtain a foreign exchange rate and contract
number.
• Use the Wells Fargo Foreign Exchange Online service to obtain a foreign exchange rate and contract
number.
• Have Wells Fargo automatically assign a foreign exchange rate for your wire payment based on
conversations you’ve had with your foreign exchange specialist at the time the payment is
processed.
• Use the Payment Manager Real-Time system to obtain a foreign currency rate and contract number.
After obtaining a contract number, you assign the contract number to a single wire transfer in your
Payment Manager file.
Using an intermediary bank

If the beneficiary’s account is at a credit union or savings and loan, wires to that account need to use an
intermediary bank to process the wire. If you have information for the intermediary bank, you can
supply it in the intermediary bank fields for the wire. If you do not have the intermediary bank
information, leave the intermediary bank fields blank, and Wells Fargo will supply the needed
information.
Fees
Fees charged to your company to originate an international wire transfer are debited from your Wells
Fargo account.
If there are any additional fees charged by an intermediary bank and/or the beneficiary’s bank, Wells
Fargo attempts to absorb these fees. If that is not possible, however, the bank(s) involved typically use
one of the following methods to collect those fees from the beneficiary:
• Deduct the fees from the beneficiary’s payment.

• Apply a separate debit to the beneficiary’s account for the fee.
Settlement
International wires typically settle to the beneficiary’s account two days after the item is originated by
Wells Fargo (depending on receiving bank’s practices). Both U.S. holidays and holidays for the
destination country affect the time required for settlement.

September 2018
Obtaining information for your originated wires
We can provide you with wire information in a number of ways:
• The Treasury Information Reporting (TIR) Wire Transfer Detail or Intraday Composite report
• BAI
• ISO 20022 XML
• SWIFT messages
Wire information is available once the wire is successfully processed on the SWIFT network. For foreign
currency wires, the information reported includes foreign currency, foreign exchange contract number,
and foreign exchange rate.
Book transfers
Book transfers are wire transactions that occur between accounts that are owned by you. These
transactions can occur between your accounts in the United States, London, or Cayman Islands.
Guidelines for book transfers using the Payment Manager Service:
• Work with your Implementation Specialist to identify the accounts you want to use. Your
Implementation Specialist must link your accounts together for book transfer processing.
Note: If your accounts are not linked, the transaction will be processed as a wire transfer instead of a
book transfer.
• If you are sending book transfers between your U.S. based accounts and multi-currency accounts,
take into account any currency cut-off times and bank holidays when calculating the value date.
• For book transfers between U.S. accounts, include the bank routing/transit number (ABA number).
• When transferring funds between multi-currency accounts (MCAs), include the SWIFT BIC code of
the bank. Wells Fargo’s SWIFT BICs are as follows:
• London — PNBPGB2L
Cayman Islands — WFBIUS6S

September 2018
Identifying beneficiary banks and accounts
Overview
To properly route an international wire, you need to identify the beneficiary bank and the beneficiary’s
account at that bank. There are several ways to do this, and the information you need to provide varies
by country.
Identify a beneficiary bank by entering the following information:
• The SWIFT BIC (Bank Identifier Code).

• The international routing code (IRC), if applicable for the country.
For account numbers, some countries use specific codes, such as the IBAN (International Bank Account
Number), which is used in numerous countries, and the CLABE number, which is used in Mexico. For
these countries, enter the entire IBAN or CLABE number in the account number field.
Including the proper information to identify the beneficiary bank and account is critical to ensure a wire
reaches its destination and is processed as quickly as possible.
SWIFT BIC
The SWIFT BIC (Bank Identifier Code) is an 8- or 11-character code identifying a bank, and all
international wires must include the SWIFT BIC for the beneficiary bank. To obtain the SWIFT BIC for the
beneficiary bank, you can:
• Get it from the beneficiary.

• Use the SWIFT directory:
http://www.swift.com/biconline
Note: If you use the SWIFT directory, only use a BIC listed as connected to the SWIFT network. Do
NOT use a BIC listed as not connected to the SWIFT network or deleted. We cannot process
wires using a BIC with not connected or deleted status.
General Currency Requirements for all currencies

The following general currency requirements apply to all currencies:
• Beneficiary full name and complete in-country address, including beneficiary city and country,
are required (P.O. boxes are not sufficient).
• Beneficiary bank SWIFT code OR if no SWIFT code, then full legal name, branch address, and
agency code.
• Beneficiary account number (see individual currency requirements if IBAN is required).

September 2018
Note: While not all countries require Purpose of Payment, the increasing trend is more countries are
requiring it without notice. Our best practice recommendation is to include the specific purpose of
payment (Invoice specifying purpose, tax payment, payroll, capital injection, etc.).
International routing codes (IRCs)

Some countries have created international routing codes which are used in combination with the SWIFT
BIC to route a payment through a main office to a branch. Not all countries use a separate IRC in
addition to the SWIFT BIC. If you try to send an IRC to a country that does not support the use of the IRC,
then your payment may be returned to you or be subject to repair fees.
Each country has a specific name for their routing code, such as the IFSC in India and Canadian Payments
Association Routing Number in Canada.
Your beneficiary must provide the IRC to facilitate receipt of an international payment. Sending a wire
without the IRC can delay the wire, or the receiving bank may return the wire and assess additional fees.
International Bank Account Number (IBAN)

The IBAN is composed of up to 34 alphanumeric characters and identifies the beneficiary’s bank and
account number. The exact format varies by country. Refer to Country and currency reference table to
determine whether a country uses the IBAN and, if so, the length of the IBAN used for that country.
If a country uses the IBAN, always include the IBAN as the beneficiary account number when sending a
wire to that country. If you don’t include the IBAN, the wire may be delayed or the beneficiary bank may
return the wire and assess additional fees.
You can obtain the IBAN from the beneficiary or the beneficiary bank. Once you obtain the IBAN, you
can use the following site to verify that the IBAN format is valid.
http://www.tbg5-finance.org/?ibancheck.shtml
The U.S. doesn’t use IBANs, and accounts at banks located in the U.S. (including your Wells Fargo
accounts) don’t have an IBAN.
Important notes to improve straight-through-processing (STP)

Improving your payments straight-through-processing can help your payments process more efficiently
and quickly. Having an error in the information that you provide often leads to the transaction stopping
for repairs or calls for further information prior to processing. The following are the most common
reasons that we see payments stop and how to prevent them.
• Beneficiary bank SWIFT BIC is missing or incorrect. The beneficiary bank SWIFT BIC is required for
wires and is either eight or 11 characters. If you submit an invalid BIC (or don’t include it),
transaction processing will stop for review and repair.

September 2018
• Beneficiary bank international routing code is missing or incorrect. If a country uses an
international routing code (IRC) to identify a bank, that code has a specific length and structure. If
you submit an invalid IRC (or don’t include it for a country that requires it), transaction processing
will stop for review and repair.
• Country code or currency code is invalid. If the country or currency code for a transaction is invalid,
transaction processing will stop for review and repair. To see the country code and currency code
for each country, see Country and currency reference table.
Many countries have regulations that require additional information when initiating cross-border wire
payments. Although European countries are the first to implement this regulation, other countries are
also working to implement similar regulations. We recommend you update your business process now
to include the full beneficiary address on all cross-border wire payments.
In the coming months, we will update our payment services to validate the full beneficiary address
requirement.
Travel Rule and country requirements

The Bank Secrecy Act of 1970 “Travel Rule” requires that the originating financial institution for a
financial transaction include the name, physical address, and account number of the originator, name of
the originating financial institution, amount, and execution date of the transaction along with the name,
physical address, and account number of the beneficiary and the beneficiary’s financial institution.
New regulations for many countries also require the beneficiary city and country when initiating cross-
border payments. We also see more countries requiring additional information, such as the purpose of
payments. Countries may begin requiring these additional data elements with limited notice.
As a best practice, we recommend that you collect and send the following information with payments:
• Full beneficiary information to include address, city, and country

• Beneficiary phone number
• Purpose of payment (usually requested in the OBI field)
IBAN formats
A typical IBAN format is as follows:
• Two-letter country code

• Two check digits calculated from the remainder of the IBAN
• Bank code (length varies)
• Branch code (length varies, not included for all countries)
• Account number (length varies)

September 2018
The first four characters are always a two-letter country code and two check digits, but the remaining
content varies by country. The IBAN for some countries contain other elements than listed above, such
as an account type code or additional check digits.

September 2018
Country and currency reference table
IBAN Min USD Pmt reason/ International
Cntry Curr Value routing code Notes
Country equivalent purpose
code code date
IBAN? Length required required? IRC? Length
Andorra AD EUR 1 day Yes 24
Armenia AM AMD 2 days $1,000.00 Yes • Full name, account number, and address of the
ordering party required.
Aruba AW AWG 2 days $1,000.00
Australia AU AUD 1 day Yes 6 • IRC is the BSB (Bank, State, Branch) number.
• BSB required in international routing code field.
Austria AT EUR 1 day Yes 20
Bahamas BS BSD 2 days $1,000.00 • Must send as USD.
Bahrain BH BHD 2 days Yes 22 Yes • Closed on Fridays.
• Specific purpose of payment (invoice
specifying purpose, tax payment, payroll,
capital injection, etc.)
Bangladesh BD BDT 2 days $1,000.00 Yes • Beneficiary phone number required.
• Beneficiary's on-site provision and
endorsement documentation to receive local
currency account credit
• On value date, the local correspondent bank
will inform the beneficiary bank of the
payment. The beneficiary is then required to
complete an Inward Remittance Form (Form C)
indicating the purpose of the payment. After
the correspondent bank receives the
completed form, it will release the funds to the
beneficiary bank to be credited to the
beneficiary.
• The onshore correspondent bank or beneficiary
bank may request supporting documents from
the beneficiary to evidence the identity of the
beneficiary and to confirm the purpose of the
payment. If the beneficiary is an NGO, they
will need to request approval prior to receiving
funds for specific projects.
• If the local beneficiary is a non-profit
organization, approval by the local NGO
bureau is required in order to receive funds.
• Closed Fridays.

September 2018
code code date
Barbados BB BBD 2 days $1,000.00
Belgium BE EUR 1 day Yes 16
Bermuda BM BMD 2 days $1,000.00
Bolivia BO BOB 2 days $1,000.00 Full amounts only (No decimals)
Botswana BW BWP 2 days $1,000.00 • 6-digit bank branch code
• 11-digit account number for accounts held at
First National Bank
Brazil BR BRL 2 days Yes 29 USD • Must send as USD.
• Ordering client’s full name and address
required.
• Bank branch agency number required.
• Beneficiary phone number required.
• Beneficiary’s email address.
• Beneficiary tax ID required:
Corporate— 14-character CNPJ (Cadastro
Nacional de Pessoas Juridicas)
Individuals — 11-digit CPF (Cadastrado de
Pessooas Fisicias)
• Beneficiary will be required to provide
supporting documentation for each payment to
comply with the country’s Exchange Control
Regulations.
• Complete the one time verification process in
advance as required by our 3rd Party provider
regarding beneficiary documentation for
onshore local currency delivery for all
payments. Speak to your WF Sales Advisory for
more information.
• Beneficiary bank will hold payment orders for
90 days if the beneficiary does not collect the
funds on value date. If at 90 days the payment
is still pending, the bank will reject the
payment.
Brunei BN BND 2 days $1,000.00
Bulgaria BG BGN 2 days Yes 22 $1,000.00

September 2018
code code date
Canada CA CAD Same day Yes 9 • IRC consists of a four-digit institution number
followed by a five-digit branch transit number.
• Include Canada in beneficiary bank address
line 3.
Cape Verde CV CVE 2 days $1,000.00 Yes • Beneficiary phone number required.
• Full amounts only (No decimals)
Cayman Islands KY KYD 2 days $1,000.00
Central African CF XAF 2 days * 23 $1,000.00 • Cameroon (CM)
Federation • Central African Republic (CF) IBAN
• Republic of Chad (TD) No IBAN
• Republic of the Congo (CG) IBAN
• Equatorial Guinea (GQ) No IBAN
• Gabon (GA) IBAN
• Full amounts only – no decimals
Chile CL CLP 2 days USD Yes • Must send as USD
• Beneficiary phone number required
• Beneficiary’s email
• Beneficiary bank account type required
• Beneficiary tax number required
Entities — nine-digit RUT (Rol Unico
Tributario)
Individuals — nine-digit RUN (Rol Unico
Nacional)
• Whole currency amounts only (no decimals)
• Beneficiary must have a presence in country as
payments can only be made to onshore
residents.
• The beneficiary will be required to provide
supporting documentation for each payment to
comply with the country’s Exchange Control
Regulations.
advance as required by our 3rd party provider
payments. Speak to your WF Sales Advisor for
more information.

September 2018
code code date
China CN CNH 2 days • 3:00 pm ET cutoff one day before value date
• Payment description and the invoice number
• 12 or 14 digit “CNAPS” (China National
Advanced Payment System)
• Specific purpose of payment
• See Country and currency reference table.
China CN CNY 2 days • 4:00 pm ET cutoff two days before value date
• 12 or 14 digit “CNAPS” (China National
Advanced Payment System)
• Beneficiary’s on-site provision and endorsement
of documentation to receive local currency
account credit
• Specific purpose of payment
• See China (CNY) Payment Instructions for more
information.
Colombia CO COP 2 days USD Yes • Must send as USD
• Beneficiary email address
• Beneficiary 10-digit NIT (Numero de
Identificacion Tributaria) required.
• Whole currency amounts only (no decimals).
• Beneficiary required to sign local required
documentation to receive deposit of payment.
• Beneficiary’s on-site provision and endorsement
of documentation will be required.
advance as required by our 3rd party provider
payments. Speak to your WF Sales Advisor for
more information.

September 2018
code code date
Costa Rica CR CRC 2 days Yes 22 $1,000.00 Yes • Payments to individuals no longer supported
• Entities — 10 or 12 digits (Cedula de Persona
Juridica)
• National individuals — nine or 12 digits (Cedula
de Persona Fisica)
• Resident foreign nationals — 11- or 12-digit
DIMEX (Documento de Identificacion de
Migracion y Extranjeria)
• Foreign individuals — 10- or 12-digit NITE
(Numero de Identificacio Tributaria Especial)
• Beneficiary may be required to provide
supporting documentation to comply with the
country’s Exchange Control Regulations.
• Full amounts only (no decimals)
Croatia HR HRK 2 days Yes 21 1,000.00 Yes • Beneficiary's 21-digit IBAN (HRkk bbbb bbbc
cccc c)
Cyprus CY EUR 1 day Yes 28
Czech Republic CZ CZK 1 day Yes 24
Denmark DK DKK 1 day Yes 18
Dominican DO DOP 2 days Yes 28 $1,000.00 • Individuals 11 digit Tax ID Cedula or Passport
Republic number
• Institutions – one of the following 9-digit “RNC”
(Tax ID Card) or 7-digit “Registro Mercantil”
(registration number at the Chamber of
Commerce)

September 2018
code code date
East Caribbean See XCD 2 days $1,000.00 Includes the countries listed below. Use the country
dollar notes code shown.
AG Antigua and Barbuda
DM Dominica
GD Grenada
KN Saint Kitts and Nevis
LC Saint Lucia
VC Saint Vincent and the Grenadines
AI Anguilla
MS Montserrat
Note: Countries supported for the East Caribbean
dollar are subject to change.
Egypt EG EGP 2 days 27 • Closed Fridays.
• Beneficiary’s 27-digit IBAN (EGkk nnnn nnnn
nnnn nnnn nnnn nnn)
• National Bank of Egypt – account must contain
19-digits
• Bank of Alexandria – account must contain 12-
digits 12. Bank of MISR – account must contain
14-digits
Estonia EE EUR 1 day Yes 20
Faroe Islands FO DKK 1 day Yes 18
Fiji FJ FJD 2 days
Finland FI EUR 1 day Yes 18
France FR EUR 1 day Yes 27
French territories BL EUR 1 day Yes 27 Yes BL = Saint Barthelemy
GF GF = French Guiana
MF MF = Saint Martin (French part)
NC NC = New Caledonia
PF
PF = French Polynesia
TF
WF TF = French Southern Territories
WF = Wallis & Futuna Islands
Germany DE EUR 1 day Yes 22
Ghana GH GHS 2 days $1,000.00 • Bank branch code
Greece GR EUR 1 day Yes 27

September 2018
code code date
Greenland GL DKK 1 day Yes 18
Guadeloupe GP EUR 1 day Yes 27
Guatemala GT GTB 2 days Yes 24 • 11-digit NIB required in the account number
field. NIB includes both the bank/branch
identifier and account number.
• Purpose of payment (invoice specifying
purpose, tax payment, payroll, capital injection,
etc.)
• Payments from one individual to another
individual are not supported.
Guyana GY GYD 2 days $1,000.00
Honduras HN HNL 2 days $1,000.00 • Beneficiary bank account type required.
• Beneficiary contact name and phone number
required.
• Beneficiary tax ID or national ID required:
o Entities — 14-digit RTN (Registro
Tributario Nacional)
o Individuals — 13-digit RTN (Registro
Tributario Nacional) or RNP ID card
(tarjeta de identidad)
• Payments from one individual to another
individual are not supported.
• Payments from corporations/organizations to
individuals are only accepted if they are for
salary payments or consultant fees.
• Payments to beneficiaries holding accounts at
Central Bank are not supported.
Hong Kong HK HKD 1 day Opt 3 • IRC is a three-character branch code.
• Clearing House Automated Transfer System
(CHATS) accommodates payments in HKD,
USD, EUR, and CNY.
Hungary HU HUF 1 day Yes 28 Yes • As of January 2013, the Hungarian
government will deduct taxes from all inbound
payments and will use payment information to
determine tax liability.
Iceland IS ISK 1 day Yes 22 • Must send as USD.

September 2018
code code date
India IN INR 1 day Yes Yes 11 • IRC is the Indian Financial System Code
(IFSC).
• Remitter and beneficiary relationship required.
• Specific purpose of payment (invoice
specifying purpose, tax payment, payroll,
capital injection, etc.)
Indonesia ID IDR 2 days $1,000.00 Yes • Payments equal to or greater than 1M USD
equivalent per day, by the same ordering
customer, require underlying documentation
(Invoice, sales agreement, tax bill, expense
form, etc.) prior to showing a firm rate quote
country’s Exchange Control Regulations
• Payments below IDR 500mio require a SKNBI-
NG code
• See Indonesia payments details in Indonesia
(IDR) Payment Instructions
Ireland IE EUR 1 day Yes 22
Israel IL ILS 1 day Yes 23
Italy IT EUR 1 day Yes 27
Jamaica JM JMD 2 days $1,000.00 • Beneficiary bank five-digit branch transit
number required for payments going to the
following banks:
a. Bank of Nova Scotia
b. First Global Bank
c. Citibank N.A.
d. Bank of Jamaica
Japan JP JPY 1 day For the beneficiary bank, enter the bank name and
one of the following:
• Bank ID (SWIFT BIC)
• Address
Jordan JO JOD 2 days Yes 30 • See additional requirements in Jordan (JOD)
Payment Instructions.
Kenya KE KES 2 days $1,000.00 • Beneficiary bank’s 5-digit branch code

September 2018
code code date
Kosovo XK EUR 1 day Yes 20
Kuwait KW KWD 2 days Yes 30
Lesotho LS LSL 2 days $1,000.00 Yes
Liechtenstein LI CHF 1 day Yes 21
Luxembourg LU EUR 1 day Yes 20
Macao MO MOP 2 days $1,000.00
Madagascar MG MGA 2 days Yes 27 1,000.00 Yes • Beneficiary's 27-digit IBAN (MGkk cccc cccc
cccc cccc cccc ccc)
Malawi MW MWK 2 days $1,000.00 Yes
Malaysia MY MYR 2 days $1,000.00
Malta MT EUR 1 day Yes 31
Martinique MQ EUR 1 day Yes 27
Mauritius MU MUR 2 days Yes 30 $1,000.00
Mayotte YT EUR 1 day Yes 27
Mexico MX MXN Same day • 18-digit CLABE required in account number
field.
Monaco MC EUR 1 day Yes 27
Montenegro ME EUR 1 day Yes 22
Morocco MA MAD 2 days Yes 24 $1,000.00 Yes • Closed on Fridays.
Namibia NA NAD 2 days $1,000.00
Nepal NP NPR 2 days $1,000.00 Yes • Export related payments cannot be processed
Netherlands NL EUR 1 day Yes 18
Netherlands AN ANG 2 days $1,000.00
Antilles
New Zealand NZ NZD 1 day Yes 6 • IRC is the bank/branch number consisting of a
two-digit bank number and four-digit branch
number.
Nigeria NG NGN 2 days $1,000.00 • 10-digit NUBAN account number is required.

September 2018
code code date
Norway NO NOK 1 day Yes 15 • Includes Bouvet Island (BV) and Svalbard & Jan
Mayen (SJ).
Oman OM OMR 2 days
Pakistan PK PKR 2 days Yes 24 $1,000.00 • If a BIC is provided in lieu of an IBAN, it must
be specific to the beneficiary’s bank branch.
• Contact name and phone number
• Beneficiary must complete the Inward
Remittance Form (Form R) indicating the
purpose of the remittance and submit it to their
bank before the funds can be released. To
facilitate the process, it is recommended that
the remitter inform the beneficiary of incoming
payments.
Papua New PG PGK 2 days
Guinea
Paraguay PY PYG 2 days $1,000.00 Yes • Full amounts only (No decimals)
• Beneficiary tax ID or national ID required:
Entities — 11-digit RUC
Individuals — six-, seven-, or eight-digit CI
Peru PE PEN 2 days $1,000.00 Yes • Beneficiary phone number required.
• Beneficiary account number is 20 digits.
o Entity — 11-digit “RUC” (Registro
Unico de Contribuyente)
o Individual — eight- or nine-digit “DNI”
(Documento Nacional de Identidad)
o Foreigners living in Peru – Carnet de
Extranjeria (Foreign Registration Card)
Philippines PH PHP 2 days
Poland PL PLN 1 day Yes 28
Portugal PT EUR 1 day Yes 25
Qatar QA QAR 2 days Yes 29

September 2018
code code date
Reunion RE EUR 1 day Yes 27 • Same as France.
Romania RO RON 2 days Yes 24 $1,000.00
Russia RU RUB 1 day Yes • Include amount of rubles down to the kopeck.
• Beneficiary account number MUST be 20 digits
and contain (810) to match CCY code.
• Beneficiary INN (tax ID): 10- to 12-digit
numerical code will be forwarded to you by the
beneficiary.
• Beneficiary bank BIK (Russian bank code) is
nine digits.
• Beneficiary bank correspondent account
number with the Central Bank code is 20 digits.
• Include a VO code indicating the type of
payment, which is VO followed by five digits
(example: VO02010).
• Value-added tax — indicate if it is included or
not included in the wire.
Saint Pierre et PM EUR 1 day Yes 27 • Same as France.
Miquelon
Samoa WS WST 2 days $1,000.00
San Marino SM EUR 1 day Yes 27
Saudi Arabia SA SAR 1 day Yes 24 Beneficiary registration number required:
• Entities — commercial registry number or
registration certificate number
• Individuals — national ID or residence permit
number
Seychelles SC SCR 2 days Yes 31 $1,000.00 Yes
Singapore SG SGD 1 day
Slovak Republic SK EUR 1 day Yes 24
Slovenia SI EUR 1 day Yes 19
Solomon Islands SB SBD 2 days $1,000.00

September 2018
code code date
South Africa ZA ZAR 1 day Yes 6 • Beneficiary phone number required.
• IRC is the branch code.
• Beneficiary on-site provision and endorsement
of documentation to receive local currency
account credit.
South Korea KR KRW 2 days $100.00 • Beneficiary phone number required.
• Additional restrictions as follows:
• Under $20,000 USD — no restrictions, can be
sent to any bank.
• Invoiced trade-related over $20,000 USD — no
restrictions, can be sent to any bank.
• Non-trade-related over $20,000 USD — can be
sent to a limited number of banks. Must send
settlement instructions to Wells Fargo’s FX
department for pre-approval.
• Full amounts only – no decimals.
Spain ES EUR 1 day Yes 24
Sri Lanka LK LKR 2 days $1,000.00
Swaziland SZ SZL 2 days $1,000.00 Full beneficiary street address required.
Sweden SE SEK 1 day Yes 24
Switzerland CH CHF 1 day Yes 21 Yes 6 IRC is the SIC number.
Taiwan TW TWD 2 days Yes
Tanzania TZ TZS 2 days $1,000.00 Yes • Beneficiary may be required to provide
• The Tax Identification Number (TIN) is required
when making tax revenue payments to the
Tanzanian Revenue Authority
Thailand TH THB 2 days Yes Specific purpose of payment (invoice specifying
purpose, tax payment, payroll, capital injection,
etc.)
Tonga TO TOP 2 days $1,000.00
Trinidad and TT TTD 1 day
Tobago
Tunisia TN TND 2 days Yes 24 $1,000.00

September 2018
code code date
Turkey TR TRY 2 days Yes 26
Uganda UG UGX 2 days $1,000.00 • Full amounts only (no decimals)
• 13-digit Tax ID number (BRNxxxxxxxxx) for tax
revenue payments being made to the Ugandan
Revenue
United Arab AE AED 2 days Yes 23 • Closed on Fridays.
Emirates • Include Purpose of Payment Code.
• Note: Purpose of Payment Code is required for
any currency payment destined for the UAE.
• See UAE payments details in United Arab
Emirates Payment Instructions
United Kingdom GB GBP 1 day Yes 22 Yes 6 • 6 digit sort code.
• Both IRC and SWIFT BIC required.
• Includes :
o Guernsey (GG)
o Isle of Man (IM)
o Jersey (JE)
Uruguay UY UYU 2 days $1,000.00 • Beneficiary tax ID required:
o Entities — 12-digit RUC (Registro
Unico de Contribuyentes)
o Individuals — eight-digit CI (Cedula de
Identidad)
• Type of Account (checking or savings)
• 2-3 digit Bank Branch/Agency Number for
payments going to the following banks:
o Banco Republica
o Banco Bandes
o Banco Santander
o Scotiabank
Vanuatu VU VUV 2 days $1,000.00
Vatican City VA EUR 1 day Yes 27
Venezuela VE VEF 2 days • Must send as USD.

September 2018
code code date
Vietnam VN VND 2 days $1,000.00 Yes • Beneficiary may be required to provide
• Bank branch name
• Province name
West African CF XOF 2 days * 28 $1,000.00 • 24- digit account number
Federation • Beneficiary may be required to provide
• Funds are credited in the beneficiary’s account
typically by close of business on value date and
are available for withdrawal the following
morning.
• Participating countries:
o Benin (BJ)
o Burkina Faso (BF)
o Guinea-Bissau (GW)
o Ivory Coast (CI)
o Mali (ML)
o Niger (NE)
o Senegal (SN)
o Togo (TG)
Zambia ZM ZMK 2 days $1,000.00 Yes • For payments to Barclays Bank Zambia, a 6-
digit branch code is required in Payment
Details.
Zimbabwe ZW ZWD 2 days • Must send as USD.

September 2018
China CNH payment disclosure
CNH can settle offshore (beneficiary located outside of China) and onshore (beneficiary located in China).
For wires of CNH to beneficiaries in mainland China, prior to sending your wire, make sure the beneficiary
can receive cross-border RMB. Beneficiaries in mainland China must have an import export license and may
be required to provide supporting documentation associated and consistent with the underlying payment
to their beneficiary bank to validate that incoming cross-border RMB funds are for the purposes indicated
in the payment instructions. Depending on the category of payment the beneficiary may require additional
regulatory approval. Furthermore documentation must be denominated in RMB, that is, the beneficiary
cannot receive RMB for goods and services invoiced in USD.
Many return wires and delays stem from the beneficiary not having all the supporting documentation in
place for their beneficiary bank, and the beneficiary bank not being able to receive the cross-border RMB.
CNH payments settling onshore are limited to payment types that fall under certain business categories.
Currently those business categories are:
Cross-border Goods Trade

Cross-border settlement conducted for trade in goods, including individual retail consumptions, general
merchandise, goods for processing, goods required for repairing, goods produced in ports by carriers,
transactions to be settled by letter of credit, bills for collection, payment of import equipment and
advanced payment, etc.
Cross-border Services Trade

Cross-border settlement conducted for trade in services, including individual bill payments, services or fees
relating to transportation; travel; communications; construction services; installation projects and their
subcontract services; insurance; financial services; computer and information services; royalties and license
fees; sports and entertainment; water, electricity and gas bills to be paid by corporations or financial
institutions; rent; audit fees; hotel accommodations fees; legal fees; advertising and promotion fees;
copyright and design fees; research and development fees; company registration fees; medical expenses;
government services not mentioned above and other commercial services, etc.
Cross-border Capital Trade

Capital account transactions, (capital transfers and acquisition/disposal of non-productive or non-financial
assets), capital injection, capital reduction, capital payment, direct investments, securities investments,
other investments, shareholder’s loan/repayment, other capital payments as approved by relevant
regulatory authorities, fund transfers for foreign direct investment (“FDI”) by enterprises and RMB
Qualified Foreign Institutional Investor (“RQFII”) projects by enterprises, bonds, fund transfer between
enterprises, individual investments, etc.

September 2018
Charity Donation
Donation to charities (non-profit making organizations)
Other Current Account Transactions

Income and current transfers, remittance of profits, bonus, dividend payment, tax payment and
scholarships, etc.
China (CNY) Payment Instructions

CNY can only be settled onshore (beneficiary located in mainland China). Beneficiary information must be
verified by Wells Fargo’s Foreign Exchange team before requesting a rate online. You can either email the
instructions to: eFX@wellsfargo.com OR call our toll free number: 1-877-932-3965.
Rate requests must be in by 3 pm Eastern Time. We cannot secure an exchange rate after 3 pm Eastern
Time.
For wires of CNY to beneficiaries in mainland China, prior to sending your wire, make sure the beneficiary
can receive cross-border RMB. Beneficiaries in mainland China must have an import export license and may
be required to provide supporting documentation associated and consistent with the underlying payments
to their beneficiary bank to validate that incoming cross-border RMB funds are for the purposes indicated
in the payment instructions. Supporting documentation must be denominated in RMB, that is, the
beneficiary cannot receive RMB for goods and services invoiced in USD.
Many return wires and delays stem from the beneficiary not having all the supporting documentation in
place for their beneficiary bank, and the beneficiary not being able to receive the cross-border RMB.
CNY payments are limited to payment types that fall under two business categories. Those business
categories are:
Cross-Border Goods Trade

Cross-border settlement based on trade for goods; including general merchandise, goods for processing,
goods for repairing, goods bought in transportation ports, import and export of non-currency gold, etc.
Cross-Border Service Trade

Cross-border settlement base on trade in services, including services relating to transportation, travel,
communication service, constructions and installation services and their subcontract services, insurance,
financial services, computer and information services, patent and license fees, sport and entertainment
services, government services and the other commercial services not mentioned above.
Payment Requirements – CNY – China Yuan Renminbi:
• Verify beneficiary bank information – i.e., name and SWIFT code

• Reason or purpose of payment

September 2018
• Beneficiary’s name including telephone number of the beneficiary
• Ordering company’s complete name and complete address
Jordan (JOD) Payment Instructions

The Central Bank of Jordan requires all incoming MT103’s to include a Purpose Code (4 digits) followed by
the Description of the Purpose within the first and second rows. The first row should start with the Purpose
Code and the remaining rows with a “//”.
Personal
Invoice Payment & Purchase 0101 Individual Social Security Subscription 0107
Utility Bill Payment 0102 Associations Subscriptions 0108
Prepaid Cards Recharging 0103 Saving and Funding Account 0109
Standing Orders 0104 Heritance 0110
Personal Donations 0105 End of Service Indemnity 0111
Family Assistance and Expenses 0106
Salaries and Wages

Public Sector Employees Salaries 0201 Overseas Incoming Salaries 0206
Laborers Salaries 0202 Civil / Military Retirement Salaries 0207
Private Sector Staff Salaries 0203 Social Security Retirement Salaries 0208
Jordanian Diplomatic Staff Salaries 0204 Establishment Social Security Subscription 0209
Foreign Diplomatic Salaries 0205
Investment Remittances
Investment Revenues 0301 Local Investment 0305
Brokerage Investment 0302 External Investment 0306
Insurance 0303 Tender bond Guarantee 0307
Subscriptions to international 0304
nonmonetary organizations
Transportation and Tourism

Air Freight 0401 Sea Freight 0403
Land Freight 0402 Travel and Tourism 0404
Training and Delegation

Governmental Delegation Transfers 0501 Governmental Education 0503
Private Sector Delegation Transfers 0502 Private Sector Education 0504
Import
Public Sector Exportation 0601 Public Sector Importation 0603
Private Sector Exportation 0602 Private Sector Importation 0604
Religious Communities Aid 0701 UN Aid 0704
International Communities Aid 0702 Charity Communities Aid 0705
Arab Communities Aid 0703

September 2018
Services
Telecommunication Services 0801 Cultural ,Educational & Entertainment 0810
Services
Financial Services 0802 Rental Expenses 0811
Information Technology Services 0803 Real Estate 0812
Consulting Services 0804 Taxes 0813
Construction Services 0805 Fees 0814
Maintenance & Assembling Services 0806 Commissions 0815
Marketing and Media Services 0807 Franchise and License Fees 0816
Mining Services 0808 Check Collection 0817
Medical & Health Services 0809 Membership Fees 0818
Funding
Municipality Funds 0901 Private Sector Funds 0903
Government Funds 0902 External Incoming Funds 0904
Diplomacy
International Communities and Embassies 1001 Temporary Diplomatic Missions 1003
Remittances
Permanent Diplomatic Missions 1002 Jordanian Embassies Income 1004
Loans
Long-Term Loans Installments / Public 1101 Short-Term Loans Installments 1107
Sector /Private Sector
Long-Term Loans interest 1102 Short-Term Loans interest 1108
Installments / Public Sector Installments / Private Sector
Short-Term Loans Installments / Public 1103 loans Installments Against 1109
Sector Governmental Guarantee
Short-Term Loans interest Installments 1104 Loans Interest Installments Against 1110
/ Public Sector Governmental Guarantee
Long-Term Loans Installments / Private 1105 Credit Card Payment 1111
Sector
Long-Term Loans interest 1106 Personal Loan Payment 1112
Installments / Public Sector
General
Rerouting 1201 Scientific Research Support 1202
Indonesia (IDR) Payment Instructions

For all payments below IDR 500mio the Bank of Indonesia requires that the Sistem Kliring Nasional Bank
Indonesia-New Generation (SKNBI-NG) code be provided. Any missing or incomplete information may
result in payments being either delayed or rejected.
The new mandatory data will need to be reflected in swift Field 72 in the following format
SKNINFO/A/B/C/D/E where:
• SKNINFO = Keyword
• A = Sender type
• B = Sender residency

September 2018
• C=0
• D = Beneficiary type
• E= Beneficiary residency
For example, in Field 72, you would populate: SKNINFO/2/1/0/1/1 for payroll payment by a corporate to
individuals who are both residents and based in Jakarta.
Key Description Length Possible Values

A Sender Comment Type 1 1 = Individual
2 = Company/Corporation
3 = Government
B Sender Resident Type 1 1= Resident
2 = Non-Resident
C Beneficiary Bank City Code 1 0 = All Banks
D Beneficiary Customer Type 1 1 = Individual
2 = Company/Corporation
3 = Government
E Beneficiary Resident Type 1 1= Resident
2 = Non-Resident
United Arab Emirates Payment Instructions

CODE DESCRIPTION
ACM Agency commission
AES Advance payment against EOS
Receipts or payments from personal residents bank account or deposits
AFA
abroad
AFL Receipts or payments from personal n‐resident bank accounts in the UAE
ALW Allowances
ATS Air transport
BON Bonus
CCP Corporate card payment
Equity for the establishment of new company from residents abroad, equity
CEA of merger or acquisition of companies abroad from residents and
participation to capital increase of related company abroad
Equity for the establishment of new company in the UAE from n‐ residents,
CEL equity of merger or acquisition of companies in the UAE from n‐residents
participation to capital increase of related companies
CHC Charitable contributions
CIN Commercial investments
COM Commission
COP Compensation
CRP Credit card payments
DCP Pre‐Paid Reloadable & Personalized Debit Card Payments
DIV Dividend payouts

September 2018
Purchases and sales of foreign debt securities more than a year in related
DLA
companies
DLF Debt instruments intragroup loans, deposits foreign
Purchases and sales of securities issued by residents more than a year in
DLL
related companies
DOE Dividends on equity not intra group
Purchases and sales of foreign debt securities less than a year in related
DSA
companies
DSF Debt instruments intragroup foreign securities
Purchases and sales of securities issued by residents less than a year in
DSL
related companies
EDU Educational support
EMI Equated monthly instalments
EOS End of Service
FAM Family support
FDA Financial derivatives foreign
FDL Financial derivatives in the UAE
FIA Investment fund shares foreign
FIL Investment fund shares in the UAE
FIS Financial services
FSA Equity other than investment fund shares in related companies abroad
FSL Equity other than investment fund shares in related companies in the UAE
GDE Goods sold
GDI Goods bought
GMS Processing repair and maintenance services on goods
GOS Government goods and services, embassies, etc.
IFS Information services
IGD Intra group dividends
IGT Inter group transfer
IID Intra group interest on debt
INS Insurance services
IOD Income on deposits
IOL Income on loans
IPC Charges for the use of intellectual property royalties
IPO IPO subscriptions
IRP Interest rate swap payments
IRW Interest rate unwind payments
ISH Income on investment funds shares
ISL Interest on securities more than a year
ISS Interest on securities less than a year
ITS Computer services
LAS Leave salary
LDL Debt instruments intragroup loans, deposits
LDS Debt instruments intragroup securities
LEA Leasing abroad

September 2018
LEL Leasing in the UAE
LIP Loan interest payments
Loans ‐ drawings or repayments on loans extended to n‐residents ‐ long
LLA
term
Loans ‐ drawings or repayments on foreign loans extended to residents ‐
LLL
long term
LNC Loan charges
LND Loan disbursements
MCR Monetary claim reimbursements, medical insurance, auto insurance, etc.
MWI Mobile wallet cash in
MWO Mobile wallet cash out
MWP Mobile wallet payments
OAT Own account transfer
OTS Other modes of transport
OVT Overtime
PEN Pension
PIN Personal investments
PIP Profits on Islamic products
PMS Professional and management consulting services
POR Refunds or reversals on IPO subscriptions
POS POS merchant settlement
PPA Purchase of real estate abroad from residents
PPL Purchase of real estate in the UAE from n‐residents
PRP Profit rate swap payments
PRR Profits or rents on real estate
PRS Personal, cultural, audio-visual and recreational services
PRW Profit rate unwind payments
RDS Research and development services
RFS Repos on foreign securities
RLS Repos on securities issued by residents
RNT Rent payments
SAA Salary advance
SAL Salary
SCO Construction
Loans ‐ drawings or repayments on loans extended to n‐residents ‐ short
SLA
term
Loans ‐ drawings or repayments on foreign loans extended to residents ‐
SLL
short term
STR Travel
STS Sea transport
SVI Stored value card cash‐in
SVO Stored value card cash‐out
SVP Stored value card payments
TAX TAX Payment
TCP Trade credits and advances payable

September 2018
TCR Trade credits and advances receivable
TCS Telecommunication services
TKT Tickets
TOF Transfer of funds between persons normal and juridical
TTS Technical trade‐related and other business services
UTL Utility bill payments

September 2018

PM Intl PMT Supplement

Încărcat de

Informații document

Titlu original

Drepturi de autor

Formate disponibile

Partajați acest document

Partajați sau inserați document

Opțiuni de partajare

Vi se pare util acest document?

Este necorespunzător acest conținut?

Drepturi de autor:

Formate disponibile

PM Intl PMT Supplement

Încărcat de

Drepturi de autor:

Formate disponibile

The Payment Manager® Service

The Payment Manager Service International Payment Supplement 1

The Payment Manager Service International Payment Supplement 2

How the international ACH process works

The Payment Manager Service International Payment Supplement 3

The Payment Manager Service International Payment Supplement 4

Originated transaction amount = USD $100.00

Received amount = 100.00 x exchange rate

Foreign exchange type field values

The Payment Manager Service International Payment Supplement 5

The Payment Manager Service International Payment Supplement 6

• Two-letter country code

Processing deadlines and transaction posting

Deadline (Central Wells Fargo settlement Beneficiary receives

* Prepaid customers are debited on the effective entry date.

The Payment Manager Service International Payment Supplement 7

Debit payments Credit payments

Multi-currency EUR – Eurozone Euro N Y Y Y Y Y Y Y Y Y N N Y Y N

The Payment Manager Service International Payment Supplement 8

Cntry Curr Your acct Receiver

The Payment Manager Service International Payment Supplement 9

The Payment Manager Service International Payment Supplement 10

The Payment Manager Service International Payment Supplement 11

The following is a list of countries supported for SEPA payments.

Austria France Lithuania Romania *

The following is a list of dependent territories supported for SEPA payments.

Aland Islands Gibraltar Jersey Reunion

The Payment Manager Service International Payment Supplement 12

SEPA category purpose codes

BONU Bonus payment INTE Interest

SEPA purpose codes

ACCT Account management

The Payment Manager Service International Payment Supplement 13

The Payment Manager Service International Payment Supplement 14

The Payment Manager Service International Payment Supplement 15

The Payment Manager Service International Payment Supplement 16

The Payment Manager Service International Payment Supplement 17

Check BSB number Account

The Payment Manager Service International Payment Supplement 18

Check serial Branch transit Institution Account

The Payment Manager Service International Payment Supplement 19

The Payment Manager Service International Payment Supplement 20

The Payment Manager Service International Payment Supplement 21

There are three ways to obtain the IFSC:

!123123! 110220333! 012345! 12

The Payment Manager Service International Payment Supplement 22

The Payment Manager Service International Payment Supplement 23

Check Bank/branch Account

The Payment Manager Service International Payment Supplement 24

Bank ID 11 Can be either of the following:

Bank BRSTN SWIFT BIC

The Payment Manager Service International Payment Supplement 25

Bank of the Philippine Islands accounts

• USD accounts. Payments to USD account numbers will be rejected.

The Payment Manager Service International Payment Supplement 26

SWIFT BICs for Singapore

The Payment Manager Service International Payment Supplement 27

Payment purpose codes

The Payment Manager Service International Payment Supplement 28

The Payment Manager Service International Payment Supplement 29

The Payment Manager Service International Payment Supplement 30

The Payment Manager Service International Payment Supplement 31

Check Branch number Account

!123123! 110220333! 012345! 12