# SWIFT

SWIFT transfers are the standard for international cross-border payments. They route through correspondent banks and typically settle in 1–5 business days depending on the currency and destination country.

**Countries:** International | **Currency:** Multi | **Direction:** Pay-out

## Required fields

| Field                           | Type     | Description                                       |
| ------------------------------- | -------- | ------------------------------------------------- |
| `type`                          | `string` | Must be `"SWIFT"`                                 |
| `currency`                      | `string` | Currency of the transfer (e.g., `"USD"`, `"EUR"`) |
| `swift.bank.accountNumber`      | `string` | Recipient's bank account number                   |
| `swift.swiftCode`               | `string` | SWIFT/BIC code of the recipient's bank            |
| `swift.customer.firstName`      | `string` | Recipient's first name                            |
| `swift.customer.lastName`       | `string` | Recipient's last name                             |
| `swift.customer.email`          | `string` | Recipient's email                                 |
| `swift.customer.documentNumber` | `string` | ID or tax number                                  |
| `swift.customer.documentType`   | `string` | Document type                                     |

## Optional fields

| Field             | Type     | Description                                                                                   |
| ----------------- | -------- | --------------------------------------------------------------------------------------------- |
| `swift.bank.name` | `string` | Recipient bank name.                                                                          |
| `swift.iban`      | `string` | IBAN (required only for destinations that enforce IBAN format, such as SEPA-zone recipients). |

## Example

```json
{
  "type": "SWIFT",
  "currency": "USD",
  "swift": {
    "swiftCode": "BNPAFRPPXXX",
    "bank": {
      "accountNumber": "00012345678"
    },
    "customer": {
      "firstName": "Pierre",
      "lastName": "Dupont",
      "email": "pierre@example.com",
      "documentType": "PASSPORT",
      "documentNumber": "FR1234567"
    }
  }
}
```

## OpenAPI reference

* Spec: `conomyhq-api`
* Component: `swift`
* Source: [Payment API.yaml](https://raw.githubusercontent.com/conomyapp/gitbook-docs/main/.gitbook/assets/Payment%20API.yaml)