# Bank Account Fields by Rail

A quick reference for the `account_information` fields required when [creating a counterparty](/api-docs/openapi/rail-spec#operation/createCounterparty) for each payment rail. For complete validation rules including `profile` and customer identity fields, see [Counterparty Validation](/guides/counterparty_validation).

## Quick Reference

| Rail | Counterparty Type | Jurisdiction | Required `account_information` Fields |
|  --- | --- | --- | --- |
| `ACH` | `FIAT_US` | 🇺🇸 United States | `account_number`, `routing_number` |
| `FEDWIRE` | `FIAT_US` | 🇺🇸 United States | `account_number`, `routing_number` |
| `SEPA_CT` | `FIAT_EU` | 🇪🇺 Europe | `iban`, `swift_bic`, `institution_name`, `institution_address` |
| `FPS` | `FIAT_GB` | 🇬🇧 United Kingdom | `account_number`, `institution_name`, `institution_address` |
| `CHAPS` | `FIAT_GB` | 🇬🇧 United Kingdom | `account_number`, `institution_name`, `institution_address` |
| `IMPS` · `NFT` · `UP` | `FIAT_IN` | 🇮🇳 India | `account_number`, `institution_name`, `institution_address` |
| `EFT` | `FIAT_CA` | 🇨🇦 Canada | `institution_number`, `institution_name`, `institution_address` |
| `SWIFT` | All FIAT types | 🌎 Global | Varies by counterparty type — see detailed sections below |
| `ACH` | `FIAT_BS` | 🇧🇸 Bahamas | `account_number`, `institution_name`, `institution_address` |


## Detailed Fields by Counterparty Type

The tables below list all fields within `account_information`. ✅ denotes a required field.

### 🇺🇸 FIAT_US — United States

**Supported Rails:** `ACH` · `FEDWIRE` · `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `routing_number` | ✅ | ABA routing number |
| `type` |   | Account type: `CHECKING` or `SAVING` |
| `swift_bic` |   | SWIFT/BIC code — recommended when using `SWIFT` |
| `institution_name` |   | Bank name (e.g. Bank of America) |
| `institution_address` |   | Bank address — see [Address Object](#institution-address) |


### 🇪🇺 FIAT_EU — Europe

**Supported Rails:** `SEPA_CT` · `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `iban` | ✅ | International Bank Account Number |
| `swift_bic` | ✅ | SWIFT/BIC code |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |


### 🇬🇧 FIAT_GB — United Kingdom

**Supported Rails:** `FPS` · `CHAPS` · `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `sort_code` |   | 6-digit sort code (`######`) — recommended for `FPS` and `CHAPS` |
| `iban` |   | IBAN — recommended for `SWIFT` |
| `swift_bic` |   | SWIFT/BIC code — recommended for `SWIFT` |


### 🇮🇳 FIAT_IN — India

**Supported Rails:** `IMPS` · `NFT` · `UP` · `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `ifsc` |   | Indian Financial System Code — required for `IMPS` and `NFT` |
| `swift_bic` |   | SWIFT/BIC code — required for `SWIFT` |


### 🇨🇦 FIAT_CA — Canada

**Supported Rails:** `EFT` · `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `institution_number` | ✅ | 3-digit financial institution number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `account_number` |   | Account number |
| `transit_number` |   | 5-digit branch transit number |
| `swift_bic` |   | SWIFT/BIC code — recommended for `SWIFT` |


### 🌎 FIAT_IBAN — Global (IBAN-based)

**Supported Rails:** `SWIFT`

For jurisdictions that use IBAN identification and are not covered by a country-specific counterparty type.

| Field | Required | Description |
|  --- | --- | --- |
| `iban` | ✅ | International Bank Account Number |
| `swift_bic` | ✅ | SWIFT/BIC code |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |


### 🌎 FIAT_ACCNO — Global (Account Number-based)

**Supported Rails:** `SWIFT`

For jurisdictions that use account number identification and are not covered by a country-specific counterparty type.

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `routing_number` | ✅ | Routing or sort identifier |
| `swift_bic` | ✅ | SWIFT/BIC code |
| `type` |   | Account type: `CHECKING` or `SAVING` |
| `institution_name` |   | Bank name |
| `institution_address` |   | Bank address — see [Address Object](#institution-address) |


### 🇭🇰 FIAT_HK — Hong Kong

**Supported Rails:** `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `swift_bic` |   | SWIFT/BIC code |


### 🇸🇬 FIAT_SG — Singapore

**Supported Rails:** `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `swift_bic` |   | SWIFT/BIC code |


### 🇯🇵 FIAT_JP — Japan

**Supported Rails:** `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `swift_bic` |   | SWIFT/BIC code |


### 🇲🇾 FIAT_MY — Malaysia

**Supported Rails:** `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `swift_bic` |   | SWIFT/BIC code |


### 🇨🇳 FIAT_CN — China

**Supported Rails:** `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `swift_bic` |   | SWIFT/BIC code |


### 🇵🇦 FIAT_PA — Panama

**Supported Rails:** `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `swift_bic` |   | SWIFT/BIC code |


### 🇧🇸 FIAT_BS — Bahamas

**Supported Rails:** `SWIFT`

| Field | Required | Description |
|  --- | --- | --- |
| `account_number` | ✅ | Account number |
| `institution_name` | ✅ | Bank name |
| `institution_address` | ✅ | Bank address — see [Address Object](#institution-address) |
| `type` |   | Account type: `CHECKING` or `SAVING` |
| `swift_bic` |   | SWIFT/BIC code |


## Institution Address

The `institution_address` object appears within `account_information` across all FIAT counterparty types. All fields are optional.

| Field | Description |
|  --- | --- |
| `address_line1` | Street address line 1 |
| `address_line2` | Street address line 2 |
| `address_line3` | Street address line 3 |
| `unit_number` | Unit or suite number |
| `city` | City |
| `state` | State or province |
| `postal_code` | Postal or ZIP code |
| `country_code` | ISO 3166-1 alpha-2 country code (e.g. `US`, `GB`, `DE`) |