Always use the bank details in the payment instructions generated for your current Flywire payment request. Bank details may vary depending on the country or region, currency, institution, and payment route. Do not reuse bank details, an account number, an IBAN, a Flywire Payment ID, or payment instructions from a previous payment request.
Is my bank transfer domestic or international?
Check the bank details in your Flywire payment instructions.
If your payment instructions are in your local currency and do not include a SWIFT/BIC code, you may be sending a domestic transfer to one of Flywire’s local bank accounts or local partner bank accounts.
In this case, you can usually send a standard local bank transfer using the details shown in your payment instructions.
Why is there no SWIFT code in my payment instructions?
A SWIFT/BIC code is usually required for international bank transfers.
If your payment instructions do not show a SWIFT/BIC code, it may mean your transfer should be sent as a domestic or local bank transfer instead.
Please use the bank details shown in your Flywire payment instructions. If your bank requires a SWIFT/BIC code but your instructions do not include one, contact your bank first to confirm whether they can process the transfer as a local bank transfer.
How can I check whether an IBAN or account number is correct?
An IBAN or account number may be one of several bank details shown in your payment instructions. Compare it with the payment instructions generated for your current payment request.
Do not use an IBAN, account number, or other bank details from a previous payment request or another source.
Which beneficiary type should I select?
The beneficiary shown in your Flywire payment instructions is Flywire or a Flywire partner company. Do not select Individual or Personal.
- If your bank offers Business, Company, or Organization, select that option.
- If none of those options is available, select Other.
Enter the beneficiary name exactly as it appears in your current Flywire payment instructions.
Why does the beneficiary address show the United States if I am sending funds to another country?
Your payment instructions may show Flywire’s registered company address or the address connected to the beneficiary account.
This does not necessarily mean your funds are being sent to the United States. Please follow the beneficiary bank details and account information shown in your payment instructions.
What is the difference between beneficiary address and beneficiary bank address?
The beneficiary address refers to the address of the company or entity receiving the funds.
The beneficiary bank address refers to the address of the bank that holds the beneficiary account.
Your bank may ask for one or both of these addresses when you create the transfer.
Why can the beneficiary, bank, and institution be in different countries?
The institution receiving your payment, the beneficiary receiving the bank transfer, and the bank holding the beneficiary account may be located in different countries. A bank may also use a registered branch or processing location in another country.
This does not necessarily mean the payment instructions are incorrect. Use the beneficiary and bank details shown in the payment instructions for your current payment request.
Why does my bank show a different beneficiary bank address or country?
Some banks have multiple registered addresses, branches, or processing locations. Your bank may automatically populate a different beneficiary bank address or bank country after you enter the account number, routing code, or SWIFT/BIC code.
A different beneficiary bank address or bank country is generally acceptable if the key bank details match your current Flywire payment instructions. Check the following before sending:
- Beneficiary name
- Account number or IBAN
- Bank name
- Routing code
- SWIFT/BIC code
- Transfer amount and currency
If the address can be edited, use the address shown in your Flywire payment instructions. If it cannot be edited and the key bank details match, you may continue with the address automatically provided by your bank.
What if my payer address or paying-from country is different?
The guidance above applies to the beneficiary bank address or bank country. It does not apply to the payer’s residential address or the country or region you are paying from.
- Enter the actual payer’s residential address in the payer information.
- The country or region you are paying from should reflect where the bank account or payment method used to send the funds is located.
- Do not change payer information to match the beneficiary bank’s location.
How does Flywire identify my bank transfer?
When you create a payment request, Flywire generates a unique Payment ID.
Include this Payment ID in your bank transfer reference, remittance information, concept, notes, or message field whenever possible. This helps Flywire identify your funds and match them to your payment request.
Flywire may also use other transfer details, such as the sender name, payer information, transfer amount, and bank receipt details, to help review and match your payment.
If you are not sure whether the details are correct, contact Flywire support before sending the transfer.
What if I cannot include my Payment ID as remittance information?
Include your Flywire Payment ID in the transfer reference, remittance information, concept, notes, or message field whenever possible.
If your bank does not allow you to enter the full Payment ID, enter as much of the Payment ID as possible.
Your Payment ID helps Flywire identify your funds and match them to your payment request. If you cannot include it, Flywire may still use other available details, such as payer information and transfer details, to review and match your payment.
What should I do after sending my bank transfer?
Once you have sent the transfer, use your Flywire tracking page to check the latest payment status. Flywire will send payment updates to the payer email address provided when the payment request was created.
For more information, visit:
- How can I track my payment?
- Payment timelines and status updates
- Why haven’t I received any payment notifications?
- What should I upload as proof of payment?