> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rolla.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# USD SWIFT Payouts

> Country coverage, required beneficiary details, and IBAN requirements for sending USD payouts over SWIFT

## Overview

Rolla supports outbound **USD payouts over the SWIFT network** to recipients
around the world. A SWIFT payout settles into the beneficiary's bank account in
USD, regardless of the bank's local currency, using the beneficiary's SWIFT/BIC
and account number (or IBAN).

This page answers the three most common questions we get about SWIFT coverage:

1. [Which countries can I send USD SWIFT payouts to?](#country-coverage)
2. [Do all countries require the same beneficiary details?](#required-beneficiary-details)
3. [Which countries require an IBAN?](#countries-that-require-an-iban)

## Country coverage

There is **no short allow-list** — we can send USD SWIFT payouts to recipients
in **185+ countries**: effectively any country that is not under comprehensive
sanctions and whose banks can receive USD via SWIFT.

Rather than maintaining a whitelist, it's easier to think in terms of the
exclusions. We **cannot** send USD SWIFT payouts to comprehensively sanctioned
jurisdictions, which currently include:

| Excluded jurisdiction                               |
| --------------------------------------------------- |
| Cuba                                                |
| Iran                                                |
| North Korea                                         |
| Syria                                               |
| Russia                                              |
| Belarus                                             |
| The Crimea, Donetsk, and Luhansk regions of Ukraine |

<Note>
  Sanctions programs change over time, and individual payments can still be
  rejected by intermediary or beneficiary banks for their own compliance
  reasons. If you need confirmation for a specific corridor before going live,
  reach out to [support@rolla.xyz](mailto:support@rolla.xyz) and we'll verify it
  for you.
</Note>

## Required beneficiary details

For the vast majority of corridors, USD SWIFT payouts require the **same core
set of fields**. So yes — the standard requirements are consistent across
countries:

| Field                     | Description                                                                                    | Required |
| ------------------------- | ---------------------------------------------------------------------------------------------- | -------- |
| **SWIFT / BIC code**      | The beneficiary bank's SWIFT/BIC identifier                                                    | Always   |
| **Account number / IBAN** | The beneficiary's account number, or IBAN in [IBAN countries](#countries-that-require-an-iban) | Always   |
| **Account name**          | The beneficiary's full name, exactly as registered with their bank                             | Always   |
| **Bank name**             | The name of the beneficiary's bank                                                             | Always   |
| **Bank address**          | The bank's address (street, city, country)                                                     | Always   |
| **Beneficiary address**   | The recipient's address (street, city, country)                                                | Always   |

### The one variation: IBAN vs. account number

The only substantive difference between corridors is **how the account is
identified**:

* In **IBAN countries** (see below), the account is identified by an **IBAN**,
  which encodes the bank and account in a single standardized string.
* In **all other countries**, the account is identified by a **local account
  number** plus the **SWIFT/BIC**.

### Occasional extra fields

A small number of corridors require an additional identifier on top of the core
fields above. These are the exception, not the rule:

* **Intermediary / correspondent bank** details, where the beneficiary bank
  routes USD through a correspondent (common in some African and Asian
  corridors).
* A **national clearing code** (e.g. routing, sort, or bank/branch code) in
  countries that don't use IBAN.
* A **beneficiary tax ID** in a handful of jurisdictions (e.g. CPF/CNPJ in
  Brazil).

<Tip>
  When in doubt, collect the six core fields plus the IBAN where applicable.
  That set clears the overwhelming majority of USD SWIFT payouts on the first
  attempt.
</Tip>

## Countries that require an IBAN

An **IBAN (International Bank Account Number)** is mandatory for beneficiaries in
the countries that participate in the official **SWIFT IBAN Registry**
(ISO 13616). These are concentrated in **Europe (the EU/EEA and UK), the Middle
East, and parts of North Africa, the Caribbean, and Central Asia**.

For beneficiaries in these countries, supply the **IBAN** in place of (or
alongside) a plain account number. For every other country, a local account
number is used instead.

<AccordionGroup>
  <Accordion title="Europe">
    Albania · Andorra · Austria · Belarus · Belgium · Bosnia and Herzegovina ·
    Bulgaria · Croatia · Cyprus · Czech Republic · Denmark · Estonia · Faroe
    Islands · Finland · France · Georgia · Germany · Gibraltar · Greece ·
    Greenland · Hungary · Iceland · Ireland · Italy · Kosovo · Latvia ·
    Liechtenstein · Lithuania · Luxembourg · Malta · Moldova · Monaco ·
    Montenegro · Netherlands · North Macedonia · Norway · Poland · Portugal ·
    Romania · San Marino · Serbia · Slovakia · Slovenia · Spain ·
    Sweden · Switzerland · Ukraine · United Kingdom · Vatican City
  </Accordion>

  <Accordion title="Middle East">
    Bahrain · Iraq · Israel · Jordan · Kuwait · Lebanon · Oman · Palestine ·
    Qatar · Saudi Arabia · Turkey · United Arab Emirates · Yemen
  </Accordion>

  <Accordion title="Africa">
    Burundi · Djibouti · Egypt · Libya · Mauritania · Mauritius · São Tomé and
    Príncipe · Seychelles · Somalia · Sudan · Tunisia
  </Accordion>

  <Accordion title="Americas & Caribbean">
    Brazil · British Virgin Islands · Costa Rica · Dominican Republic · El
    Salvador · Falkland Islands · Guatemala · Saint Lucia
  </Accordion>

  <Accordion title="Asia & Central Asia">
    Azerbaijan · Kazakhstan · Mongolia · Pakistan · Timor-Leste
  </Accordion>
</AccordionGroup>

<Note>
  The IBAN registry is maintained by SWIFT and is updated periodically as new
  countries adopt the standard (it currently lists roughly 90 countries). For
  the definitive, always-current list, consult the official
  [IBAN.com registry](https://www.iban.com/structure). If a beneficiary's bank
  provides an IBAN, always use it — even in countries where it is technically
  optional.
</Note>

## Sending a USD SWIFT payout

To send a USD SWIFT payout, create a beneficiary with the
`international_wire` withdrawal method and the fields above, then withdraw from
your USD wallet.

<Steps>
  <Step title="Create the beneficiary">
    Call [Create Beneficiary](/api-reference/endpoint/beneficiaries/create) with
    `currency: "USD"`, `withdrawal_method: "international_wire"`, the
    `swift_code`, the `account_number` (or `iban`), `account_name`, `bank_name`,
    `bank_address`, and `beneficiary_address`.
  </Step>

  <Step title="Withdraw from your USD wallet">
    Call [Withdraw Funds](/api-reference/endpoint/wallet/withdraw) with the
    beneficiary ID and the amount (in cents — `100` = \$1.00).
  </Step>

  <Step title="Track the payout">
    Monitor status via [Transactions](/api-reference/endpoint/transactions) or
    webhooks.
  </Step>
</Steps>

```bash Create a USD SWIFT beneficiary theme={null}
curl -X POST "https://api.rolla.xyz/api/v1/external/beneficiaries" \
  -H "X-API-Key: your_api_key_here" \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "USD",
    "withdrawal_method": "international_wire",
    "account_name": "ACME GMBH",
    "iban": "DE89370400440532013000",
    "swift_code": "COBADEFFXXX",
    "bank_name": "Commerzbank AG",
    "bank_address": {
      "street": "Kaiserplatz",
      "city": "Frankfurt",
      "country": "DE"
    },
    "beneficiary_address": {
      "street": "Hauptstrasse 1",
      "city": "Berlin",
      "country": "DE"
    }
  }'
```

<Card title="Need a corridor checked?" icon="headset" href="mailto:support@rolla.xyz">
  Contact our team to confirm coverage or required fields for a specific
  destination.
</Card>