Supplier Information Banking Requirements by Country

Australia

For processing ACH (Automated Clearing House) payments in Australia, which are typically referred to as Direct Entry or Electronic Funds Transfer (EFT), the following banking requirements are necessary within Coupa to ensure successful transactions: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s unique bank account number, which can be up to nine digits long for Australian banks.
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes) – recommended to add even for ACH
• Branch Name: This is used to identify a specific bank branch within the country.
• BSB Code: The Bank-State-Branch (BSB) number is a six-digit code that identifies the specific bank and branch where the supplier’s account is located in Australia.
• Bank Address and Country 

For processing foreign currency payments i.e. USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

Canada

To make a local domestic wire payment in Canada, you will typically need the following bank details: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The full bank account number of the recipient. 
• Transit Number: A 5‑digit code that identifies the specific branch of the bank where the recipient’s account is held.
• Institution Number: A 3‑digit code that identifies the recipient’s bank.
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country 

For processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same.

China — Shenzhen

For processing ACH (Automated Clearing House) & Domestic Wire payments in China, the following banking requirements are necessary within Coupa to ensure successful transactions: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s unique bank account number
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country 

Important: You do not need to include the CNAPS Code. Additionally, for transactions within China or with local Chinese banks, providing account details in Chinese characters can help ensure accuracy and smooth processing. This includes the account holder’s name and the bank’s name, as some banks may require them in Chinese to prevent confusion or errors in the transaction.

The Trade Desk limits USD and international wire payments due to foreign currency complexities and compliance rules. China’s strict currency controls require detailed documentation and limit outbound transfers. Businesses and individuals must follow SAFE regulations, often needing proof like invoices or personal transfer documents.

Dubai

For processing domestic wire payments in UAE, the following banking requirements are necessary within Coupa to ensure successful transactions: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account. 
• Bank Account Number: The supplier’s unique bank account number
• IBAN Number: The supplier’s International Bank Account Number) of the beneficiary’s account — typically consists of 23 characters. It includes the country code (AE), two check digits, and a 19-digit account number that includes the bank identifier.
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Bank Address and Country 

For processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

France

For processing SEPA (EURO) payments in France, the following banking requirements are necessary within Coupa to ensure successful transactions: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s unique bank account number.
• IBAN Number: The supplier’s International Bank Account Number) of the beneficiary’s account — typically consists of up to 34 Digits 
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Bank Code: (Code Banque): A 5‑digit code that identifies the bank
• Branch Code: (Code Guichet): A 5‑digit code that identifies the branch of the bank where the account is held.
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country 

For processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

Germany

For processing SEPA payments in Germany, the following banking requirements are necessary within Coupa to ensure successful transactions: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The full bank account number of the recipient. 
• IBAN Number: The supplier’s International Bank Account Number) The standard IBAN format for Germany consists of 22 characters and follows this structure
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Bank Code: In Germany, the bank code is known as a “Bankleitzahl” (BLZ), and it consists of an 8‑digit number. This number is used to identify a specific bank branch within the country.
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country 

For processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

Hong Kong

To make a local ACH payment in Hong Kong, which is typically processed through the local clearing system known as the Hong Kong Interbank Clearing Limited (HKICL), you would need the following bank details: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The full bank account number of the recipient. — Do Not include the Branch Number
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Bank Code: A 3‑digit code that identifies the recipient’s bank in Hong Kong and A 3‑digit code that identifies the specific branch of the bank where the recipient’s account is held.
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country 

For processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

Important: Hong Kong bank account numbers are typically made up of a combination of a branch code and an account number. There is no standardized format for Hong Kong account numbers, so some banks may include the branch code in the account number. Please check and only include the account number as Branch code is included within the 6 digits Bank Code field. 

India

To make a local ACH (Automated Clearing House) payment in India, which is typically processed through the National Electronic Funds Transfer (NEFT) system or the Real Time Gross Settlement (RTGS) system, you will need the following bank details: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The full bank account number of the recipient.
• Branch Name: This is used to identify a specific bank branch within the country.
• IFSC Code: The Indian Financial System Code, which is an 11-character code that identifies the individual bank branch of the recipient’s bank account.
• Bank Address and Country

Important: The Trade Desk has limited both USD and International wire payments due to complexities with foreign currency; such transactions are regulated by the Reserve Bank of India (RBI) and must comply with the Foreign Exchange Management Act (FEMA). Banks and financial institutions require you to provide necessary documentation and adhere to certain limits and purposes for the transfer as per RBI guidelines. 

Indonesia

To make a local ACH payment in Indonesia, you typically need the following bank details:

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The full bank account number of the recipient. 
• SWIFT/BIC Code: A SWIFT/BIC is an 8 – 11-character code that identifies your country, city, bank, and branch
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country

Important: The Trade Desk has limited both USD and International wire payments due to complexities with foreign currency; transactions are subject to Indonesian regulations and compliance requirements. Banks and financial institutions in Indonesia will require you to provide documentation to support the transaction, which may include details about the purpose of the transfer, the source of funds, and the recipient’s information. Additionally, there may be limits on the amount you can transfer, and certain transactions may require approval from the Bank of Indonesia, especially if they exceed a certain threshold. 

Italy

For processing SEPA (EURO) payments in Italy, the following banking requirements are necessary within Coupa to ensure successful transactions: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• IBAN Number: The supplier’s International Bank Account Number) The standard IBAN format for Italy consists of 27 digits.
• SWIFT Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes) 
• Bank Code: In Italy, the bank code is known as “ABI (Azienda d’Italia)”, and it consists of a 5‑digit number. This number is used to identify a specific bank code within the country.
• Branch Code: In Italy, the branch code is known as “CAB (Codice Di Avviamento Bancario) and it consists of a 5‑digit number. This number is used to identify a specific bank branch within the country.
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country

For Processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

Japan

In Japan, The Trade Desk uses a third-party service for payments, so you don’t need to enter your banking details in the Coupa Supplier Portal. When selecting from the Payment Method field, please select 3^rd Party Payment. Under the field Are you adding or updating payment information?, select No.

We advise providing supporting documents on your official letterhead, as they will be sent to the third-party for payment verification. The documents we request you provide as supporting should include: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s Bank Account Number
• SWIFT Code: In Japan, a SWIFT code is an alphanumeric code that uniquely identifies a specific bank branch for international money transfers. It is composed of 8 or 11 characters.
• Bank Code: A 3‑digit number that identifies the financial institution.
• Branch Number: A 3 to 7‑digit number that identifies the specific branch of the bank.

Korea

In Korea, The Trade Desk uses a third-party service for payments, so you don’t need to enter your banking details in the Coupa Supplier Portal. When selecting from the Payment Method field, please select 3^rd Party Payment. Under the field Are you adding or updating payment information?, select No.

We advise providing supporting documents on your official letterhead, as they will be sent to the third-party for payment verification. The documents we request you provide as supporting should include: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s Bank Account Number
• SWIFT Code: In Korea, a SWIFT code is an alphanumeric code that uniquely identifies a specific bank branch for international money transfers. It is composed of 8 or 11 characters.
• KFTC Code: The local code for the Korea Financial Telecommunications & Clearings Institute (KFTC) is not a single code but rather a system of codes used to identify banks within South Korea. These are often referred to as bank codes or branch codes. When you’re making a local bank transfer in Korea, you might be asked for the KFTC bank code, which is a part of the bank account information needed to process the transfer.

Singapore

For processing ACH (Automated Clearing House) payments in Singapore, which are typically referred to as GIRO for local payment transfers, the following banking requirements are necessary within Coupa to ensure successful transactions: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s unique bank account number, numbers are generally 7 – 15-digit numbers registered to a bank account – check with your bank for ACH formatted conditions
• Bank Code: A specific code that identifies the bank in Singapore.
• Branch Code: A code that identifies the specific branch where the account is held.
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country

Important: Please ensure you are checking your banks ACH bank and branch code guidelines.

For Processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

Spain

For processing SEPA payments in Spain, the following banking requirements are necessary within Coupa to ensure successful transactions:

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s Bank Account Number
• IBAN Number: The supplier’s International Bank Account Number. The standard IBAN format for Spain consists of 24 digits.
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Bank Code: In Spain, the bank code is known as “Entidad,” and it consists of a 4‑digit number. This number should be combined with the branch name code known as “Oficina,” and it consists of a 4‑digit number. This number is used to identify a specific bank and branch within the country.
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country

For Processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

Sweden

For processing Domestic Wire payments in Sweden, the following banking requirements are necessary within Coupa to ensure successful transactions:

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s Bank Account Number
• IBAN Number: The supplier’s International Bank Account Number. The standard IBAN format for Spain consists of 24 digits.
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Branch Name: This number is used to identify a specific bank branch within the country.
• Bank Address and Country

For Processing foreign currency payments i.e., USD you will need to select international wire as the pay method and select USD as Bank Account currency. The requirements listed remain the same. 

Taiwan

For processing ACH (Automated Clearing House) payments in Taiwan, the following banking requirements are necessary within Coupa to ensure successful transactions:

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s Bank Account Number
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country

Important: The beneficiary account name must match the bank’s records exactly, which may be in the local language or English, depending on the bank’s policies. In Taiwan, account names are usually in Chinese characters, though some banks may accept or require a Latin transliteration. To avoid issues, check with the specific bank for their requirements before processing a transaction.

In Taiwan, businesses use a “Unified Business Number” (UBN) for taxes, while individuals use a “National Identification Number” (for citizens) or a “Resident Certificate Number” (for foreign residents). These numbers are needed for legal and financial transactions. Make sure to enter the UBN in the Tax Registrations section, as it is required for payment processing.

The Trade Desk limits USD and international wire payments due to currency and compliance complexities. Taiwan’s banks follow Financial Supervisory Commission (FSC) regulations to prevent fraud and ensure financial stability. These rules include reporting large transactions, verifying customers, and restricting some international transfers. Check with your bank for any required documents or compliance steps.

United Kingdom — GBP

For processing BACS (Bankers’ Automated Clearing Services) where invoices will be billed in GBP£, the following banking requirements are necessary within Coupa to ensure successful transactions:

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s Bank Account Number
• Bank Account Currency: GBP
• Sort Code: A 6‑digit code formatted usually XX-XX-XX, where the first two digits represent the bank, the next two identify the location, and the last two specify the branch
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country

Important: BACS payments typically take 3 working days to clear. 

United Kingdom — EUR

For processing SEPA payments in the United Kingdom billed in EUR€ (inside or outside of UK), you will typically need the following information: 

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s Bank Account Number
• Bank Account Currency: EUR
• IBAN Number: The supplier’s International Bank Account Number. The standard IBAN format for Spain consists of 24 digits.
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Sort Code: A 6‑digit code formatted usually XX-XX-XX, where the first two digits represent the bank, the next two identify the location, and the last two specify the branch
• Bank Code and Branch Code: A bank code is a series of numbers that identifies a specific bank in a country, while a branch code is a series of numbers that identifies a specific branch of a bank within a city or region.
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country

United Kingdom — USD

For processing International Wire payments where invoices will be billed in USD$ (inside or outside of the United Kingdom), the following banking requirements are necessary within Coupa to ensure successful transactions:

• Beneficiary Name: The name of the account holder as recognized by the bank. This should match the name provided in the payment details to avoid any discrepancies.
• Bank Name: The official name of the bank holding the supplier’s account.
• Bank Account Number: The supplier’s Bank Account Number
• Bank Account Currency: USD
• SWIFT/BIC Code: (Society for Worldwide Interbank Financial Telecommunication) codes, which are also known as BIC (Bank Identifier Codes)
• Sort Code: A 6‑digit code formatted usually XX-XX-XX, where the first two digits represent the bank, the next two identify the location, and the last two specify the branch
• Branch Name: This is used to identify a specific bank branch within the country.
• Bank Address and Country