Direct to local bank

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Set up Direct to Local Bank withdrawals

Go to Settings and select Get Paid
Select Add Method
Choose your preferred method and select Set Up
Enter your bank account details, including bank codes (found below)
Choose a payment schedule and select Next

Here's what you need to know

- Your new payment method will become active in three days for security reasons.

- Make sure the name on your bank account matches your verified name on Upwork. Contact support if there’s a name mismatch or to add a new payment method.

- Enter your bank information accurately, including bank codes to avoid failed transfers or delays. If the Name on Account field exceeds the character limit, contact your bank for an appropriate abbreviation.

- If you're unsure about the accuracy of your bank information or encountered an error, contact your bank.

- Upwork charges $0.99 per Direct to Local Bank withdrawal. Other restrictions, timing regulations, and fees vary depending on your bank.

Timing and Fees

Getting your funds is usually simple, but there are rules we must follow. Direct to Local Bank payments may vary in timing, fees, and restrictions depending on your country or bank.

Timing

- Payments take up to seven business days to arrive at your bank.

- Same-day processing cutoff time is 12:00 pm (noon) UTC. Transfers after that will be processed the next business day.

- Bank holidays in the U.S. or your country can delay your funds.

Fees

- The cost per withdrawal direct to your local bank is $0.99 (plus incoming fees at some banks).

- Sending funds in your local currency may reduce or eliminate incoming bank fees.

- Currency conversion is done by Upwork's banking partner at the time of transfer. You can check the last exchange rate used on the manual withdrawal form.

Restrictions

- You must be listed as an account holder or authorized signer on your bank account.

- Ensure the name on your bank account matches your verified name on Upwork.

- If your bank asks for a Certificate of Earnings, download one from your Reports tab.

Bank Codes: Setting up your Direct to Local Bank account on Upwork may require a bank code. Bank codes differ by country; look in the list below look for to find yours. If you’re unsure or don’t see one that corresponds to your situation, you can check with your local bank for the most accurate information.

Check the list below for country-specific transaction limits and restrictions, and bank codes.

Argentina

The limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $3,000

Argentinian authorities may apply some income tax retention to incoming remittances as follows:

- AFIP Income Tax Retentions (Administración Federal de Ingresos Públicos): Taxes are withheld based on your AFIP tax category.

- ARBA (Agencia de Recaudación de la Provincia de Buenos Aires): Recently, Argentinian authorities have introduced ARBA tax withholdings. The ARBA tax is gross income withholdings of electronic commerce, specifically in Buenos Aires; the rates vary between 0.20% and 3.5%. You may see some taxes being withheld.

Bank Code: The Código Único de Identificación Tributaria (CUIT) and Código Único de Identificación Laboral (CUIL) are Argentina's tax identification numbers. Both are provided by the government and are 11-digit numbers.

To find your CUIT and CUIL, you can contact your local government office or tax authority.

Australia

Bank code: A BSB code is the Bank/State/Branch number, and it’s the popular term for a Bank Identifier Code (BIC) used among banks in Australia to transfer funds. It’s a six-digit code identifying your city, bank, and branch.

To find your BSB code, look at your monthly or quarterly bank statement. If you're unsure you have the right code, call your bank to confirm.

Each bank's individual branch has its own BSB code, so it's a good idea to check with your bank to make sure you use the correct code. If you provide us with the BSB code of your bank's head office, your payment will get routed to your branch based on your account number and account holder information. However, this extra step might result in a delay in receiving your funds, so we encourage you to make sure you provide us with your branch's correct BSB code.

Bangladesh

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $10,000

Benin

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $20,000

Brazil

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $8,000

Bank codes: The Cadastro de Pessoas Físicas (CPF) is the Brazilian individual taxpayer registry identification number. It’s an 11-digit number and can be found on your CPF card.

You'll also need the branch number of your bank to register for Direct-to-Local Bank payments. The branch number is 4 or 5 digits with the format 0000 or 0000-0. Please confirm with your bank the correct branch number to use.

Check the list for your local bank to identify your bank code.

Bank Code	Bank
654	BANCO A.J. RENNER S.A.
246	BANCO ABC BRASIL S.A.
075	BANCO ABN AMRO S.A.
121	BANCO AGIBANK S.A.
025	Banco Alfa S.A.
107	Banco BBM
318	BANCO BMG S.A.
237	BANCO BRADESCO S.A.
218	BANCO BS2 S.A.
208	BANCO BTG PACTUAL S.A.
336	Banco C6 S.A.
320	BANCO CCB BRASIL S.A.
745	Banco Citibank
748	BANCO COOPERATIVO SICREDI S.A.
003	BANCO DA AMAZONIA S.A.
707	BANCO DAYCOVAL S.A.
001	BANCO DO BRASIL S.A. - BB
047	BANCO DO ESTADO DE SERGIPE S.A. BANESE
037	BANCO DO ESTADO DO PARA S.A.
041	BANCO DO ESTADO DO RIO GRANDE DO SUL S.A. BANRISUL
004	BANCO DO NORDESTE DO BRASIL S.A.
653	BANCO INDUSVAL S.A.
077	BANCO INTER
243	Banco Maxima
389	BANCO MERCANTIL DO BRASIL S.A.
746	BANCO MODAL S.A.
212	Banco Original S.A.
623	Banco Pan
633	BANCO RENDIMENTO
422	BANCO SAFRA S.A.
033	BANCO SANTANDER S.A.
637	BANCO SOFISA S.A.
464	Banco Sumitomo Mitsui Brasileiro
655	BANCO VOTORANTIM S.A.
756	BANCOOB
021	BANESTES S.A. BANCO DO ESTADO DO ESPIRITO SANTO
250	BCV
070	BRB - BANCO DE BRASILIA S.A.
104	CAIXA ECONOMICA FEDERAL - CEF
136	CONFEDERACAO NACIONAL DAS COOPERATIVAS CENTRAIS UNICRED
085	COOPERATIVA CENTRAL AILOS
403	CORA SOCIEDADE DE CREDITO DIRETO S.A.
133	CRESOL CONFEDERACAO
364	Gerencianet S.A.
399	HSBC Bank Brasil - Banco Multiplo
341	ITAU UNIBANCO S.A.
323	MERCADO PAGO
260	NUBANK - NU PAGAMENTOS S.A.
290	Pagseguro Internet S.A.
254	PARANA BANCO S.A.
197	Stone Payments S.A.
084	UNIPRIME - COOPERATIVA DE CREDITO DO NORTE DO PARANA
099	UNIPRIME Central

Canada

Bank codes: A transit number is the Bank Identifier Code (BIC) used among banks in Canada to transfer funds. It is composed of a three-digit financial institution number which identifies your bank, and a five-digit transit number that identifies your specific bank branch.

Regulated by the Canadian Payments Association, Canadian transit numbers for paper transactions like checks appear in this format: XXXXX-YYY. XXXXX is a branch number, and YYY is an institution number.

For Electronic Fund Transactions (EFT), the format includes a leading zero, the institution number, then the branch number, all with no hyphens.

For example, if a check shows the transit number as XXXXX-YYY, the corresponding EFT code is 0YYYXXXXX.

You can find your financial institution number and transit number on your bank statement or on your checks.

Account Number: Your CAD bank account number should only include your account number; your bank account number should not include your transit number prefixed. Please contact your bank to confirm your bank account number.

Chile

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $5,000

Bank codes: The Rol Único Tributario (RUT) is the national identification number in Chile. It is typically 7-8 digits + 1 character numeric or alphanumeric (format: x.xxx.xxx-z or xx.xxx.xxx-z, dots and dash are optional).

You can find this number on your driver's license or other official identification card. Your number is required to set up Direct-to-Local Bank transfers to Chile.

Ethiopia

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $10,000

Ghana

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $20,000

Guatemala

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $500

India

Bank codes: An IFSC is an Indian Financial System Code, and it’s the popular term for a Bank Identifier Code (BIC) used among banks in India to transfer funds. It is an 11-digit code identifying your country, city, bank, and branch. Your bank's IFSC is typically found on your checkbook, or through the RBI website.

Each bank's individual branch has its own IFSC, so check with your bank to make sure you use the correct code. If you provide us with the IFSC of your bank's head office, your payment will get routed from it to your branch based on your account number and account holder information. However, this extra step might result in a delay in receiving your funds, so we encourage you to make sure you provide us with your correct branch IFSC.

Indonesia

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $10,000

Check the list for your local bank to identify your bank code.

Bank	SWIFT/RTGS	Bank Code	Branch Code
BANGKOK BANK	BKKBIDJA	40	309
BANK ACEH SYARIAH	SYACIDJ1	116	9924
BANK AGRIS	IBKOIDJA	945	305
BANK AMAR INDONESIA	LOMAIDJ1	531	12
BANK ANDARA	RIPAIDJ1	466	19
BANK ANTAR DAERAH	ANTDIDJD	88	13
BANK ANZ INDONESIA	ANZBIDJX	61	306
BANK ARTHA GRAHA INT	ARTGIDJA	37	28
BANK ARTOS INDONESIA	ATOSIDJ1	542	12
BANK BISNIS INTERNATIONAL	BUSTIDJ1	459	11
BANK BNP PARIBAS	BNPAIDJA	57	307
BANK BTPN SYARIAH	PUBAIDJ1	547	17
BANK BUKOPIN	BBUKIDJA	441	10
BANK BUMI ARTA	BBAIIDJA	76	10
BANK CAPITAL INDONESIA	BCIAIDJA	54	308
BANK CENTRAL ASIA	CENAIDJA	14	12
BANK CENTRATAMA NASIONAL	CNBAIDJ1	559	10
BANK CIMB NIAGA	BNIAIDJA	22	26
BANK CIMB NIAGA SYARIAH	SYNAIDJ1	22	9920
BANK COMMONWEALTH	BICNIDJA	950	307
BANK CTBC INDONESIA	CTCBIDJA	949	307
BANK DANAMON	BDINIDJA	11	42
BANK DANAMON UU SYARIAH	SYBDIDJ1	11	9920
BANK DBS INDONESIA	DBSBIDJA	46	307
BANK DINAR	LMANIDJ1	526	10
BANK DKI	BDKIIDJA	111	12
BANK DKI UU SYARIAH	SYDKIDJ1	111	9916
BANK FAMA	FAMAIDJ1	562	29
BANK GANESHA	GNESIDJA	161	17
BANK HARDA	HRDAIDJ1	567	11
BANK HSBC INDONESIA	HSBCIDJA	87	10
BANK ICBC	ICBKIDJA	164	58
BANK INA PERDANA	INPBIDJ1	513	14
BANK INDEX SELINDO	BIDXIDJA	555	18
BANK JABAR BANTEN SYARIAH	SYJBIDJ1	425	18
BANK JASA JAKARTA	JSABIDJ1	472	14
BANK JATENG	PDJGIDJA	113	348
BANK JATENG UU SYARIAH	SYJGIDJ1	113	9925
BANK JATIM	BJTMIDJA	114	11
BANK JATIM SYARIAH	SYJTIDJ1	114	9928
BANK JPMORGAN CHASE	CHASIDJX	32	308
BANK JTRUST	CICTIDJA	95	11
BANK KALBAR SYARIAH	SYKBIDJ1	123	9922
BANK KALIMANTAN TIMUR	PDKTIDJA	124	18
BANK KALSEL SYARIAH	SYKSIDJ1	122	9929
BANK KALTIM SYARIAH	SYKTIDJ1	124	9925
BANK KEB HANA	HNBNIDJA	484	17
BANK KESEJAHTERAAN EKONOMI	KSEBIDJ1	535	14
BANK MANDIRI	BMRIIDJA	8	17
BANK MANDIRI TASPEN POS	SIHBIDJ1	564	12
BANK MASPION	MASDIDJ1	157	18
BANK MAYAPADA	MAYAIDJA	97	17
BANK MAYBANK	IBBKIDJA	16	131
BANK MAYBANK UU SYARIAH	SYBKIDJ1	16	9925
BANK MAYORA INDONESIA	MAYOIDJA	553	12
BANK MEGA	MEGAIDJA	426	121
BANK MESTIKA DHARMA	BMDMIDJA	151	10
BANK MIZUHO	MHCCIDJA	48	303
BANK MUAMALAT	MUABIDJA	147	11
BANK MULTIARTA SENTOSA	BMSEIDJA	548	10
BANK NAGARI	PDSBIDSP	118	13
BANK NAGARI SYARIAH	SYSBIDJ1	118	9920
BANK NATIONALNOBU	NOBUIDJA	503	17
BANK NEGARA INDONESIA	BNINIDJA	9	10
BANK NET INDONESIA SYARIAH	NETBIDJA	947	302
BANK NUSANTARA PARAHYANGAN	NUPAIDJ6	145	15
BANK OCBC NISP	NISPIDJA	28	24
BANK OCBC NISP SYARIAH	SYONIDJ1	28	9928
BANK OF AMERICA	BOFAID2X	33	301
BANK OF CHINA	BKCHIDJA	69	300
BANK OF INDIA INDONESIA	BKIDIDJA	146	47
BANK OF TOKYO MITSUBISHI UFJ	BOTKIDJX	42	305
BANK PANIN DUBAI SYARIAH	ARFAIDJ1	517	16
BANK PERMATA	BBBAIDJA	13	475
BANK PERMATA UU SYARIAH	SYBBIDJ1	13	9926
BANK QNB INDONESIA	AWANIDJA	167	15
BANK RAKYAT INDONESIA	BRINIDJA	2	307
BANK RESONA PERDANIA	BPIAIDJA	47	300
BANK ROYAL INDONESIA	ROYBIDJ1	501	11
BANK SAHABAT SAMPOERNA	BDIPIDJ1	523	11
BANK SBI	IDMOIDJ1	498	16
BANK SHINHAN INDONESIA	SHBKIDJA	152	13
BANK SINARMAS	SBJKIDJA	153	16
BANK SINARMAS SYARIAH	SYTBIDJ1	153	9923
BANK SULSEL SYARIAH	SYWSIDJ1	126	9947
BANK SUMSEL BABEL UUS	SYSSIDJ1	120	9923
BANK SUMUT	PDSUIDSA	117	10
BANK SUMUT SYARIAH	SYSUIDJ1	117	9927
BANK SYARIAH BUKOPIN	SDOBIDJ1	521	31
BANK SYARIAH INDONESIA	BSMDIDJA	451	17
BANK SYARIAH MEGA	BMSIIDJA	506	16
BANK VICTORIA INTERNATIONAL	BVICIDJA	566	18
BANK VICTORIA SYARIAH	SWAGIDJ1	405	72
BANK WOORI SAUDARA	HVBKIDJA	212	1
BANK YUDHA BHAKTI	YUDBIDJ1	490	12
BCA SYARIAH	SYCAIDJ1	536	17
BPDBALI	ABALIDBS	129	13
BPDBANTEN	EKSTIDJ1	558	17
BPDBENGKULU	PDBKIDJ1	133	12
BPDDIY	PDYKIDJ1	112	15
BPDDIY UNIT USAHA SYARIAH	SYYKIDJ1	112	9922
BPDJABAR DAN BANTEN	PDJBIDJA	110	19
BPDJAMBI	PDJMIDJ1	115	14
BPDKALIMANTAN BARAT	PDKBIDJ1	123	15
BPDKALIMANTAN SELATAN	PDKSIDJ1	122	12
BPDKALIMANTAN TENGAH	PDKGIDJ1	125	11
BPDLAMPUNG	PDLPIDJ1	121	51
BPDMALUKU	PDMLIDJ1	131	16
BPDNTB	PDNBIDJ1	128	10
BPDNTT	PDNTIDJ1	130	13
BPDPAPUA	PDIJIDJ1	132	19
BPDRIAU	PDRIIDJA	119	16
BPDSULAWESI SELATAN	PDWSIDJ1	126	27
BPDSULAWESI TENGAH	PDWGIDJ1	134	15
BPDSULAWESI TENGGARA	PDWRIDJ1	135	18
BPDSULAWESI UTARA	PDWUIDJ1	127	17
BPDSUMSEL DAN BABEL	BSSPIDSP	120	16
BTN	BTANIDJA	200	150
BTN SYARIAH	SYBTIDJ1	200	9928
CITIBANK	CITIIDJX	31	305
DEUTSCHE BANK	DEUTIDJA	67	304
MNC BANK	BUMIIDJA	485	10
PANIN BANK	PINBIDJA	19	17
PRIMA MASTER BANK	PMASIDJ1	520	12
PT AGRONIAGA BANK	AGTBIDJA	494	14
PT BANK BTPN TBK	SUNIIDJA	213	101
PT BANK CHINA CONSTRUCTION	MCORIDJA	36	300
PT. BANK UOB INDONESIA	BBIJIDJA	23	16
STANDARDCHARTERED	SCBLIDJX	50	306

Jamaica

If you are in Jamaica, you may need to file a deposit authorization form.

Check the list for your local bank to identify your bank code.

Jamaica Bank Codes
Bank code	Bank
002	Bank Of Nova Scotia Jamaica Ltd
026	Citibank N.A.075 - First Global Bank Limited
010	FirstCaribbean International Bank
062	JMMB Bank
050	JN Bank
077	National Commercial Bank Jamaica Limited
334	PanCaribbeanBank Limited
081	Sagicor Bank Jamaica Limited

Bank Of Nova Scotia Jamaica Ltd Branch Codes
Bank code	Bank
20115	Browns Town
00125	Christiana
00265	Savanna-La-Mar
01305	Falmouth
09225	Private Banking
10215	Montego Bay
18465	University Of W.I
20255	St. Ann's Bay
21345	Lucea
21725	Constant Spring Financial Centre
22475	Junction
30015	King Street
30205	May Pen
36525	Sj Building Society

National Commercial Bank Jamaica Limited Branch Codes
Bank code	Bank
00001	Operations Centre
00002	Card Centre - Issuing
00003	Human Resources

Japan

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $8,500

Kenya

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $5,000 - $20,000

Malaysia

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $50,000

Bank codes: The National Registration Identity Card Number (NRIC) is a 12-digit registration ID number in Malaysia. You can find yours on your official identity documents (such as MyKad). Please omit any dashes.

If you do not have an NRIC, please confirm with your local bank which identification number you should enter in this field.

Mexico

Bank codes: The CLABE (Clave Bancaria Estandarizada) is a banking standard for bank account structure in Mexico. The CLABE is 18 digits and includes the structure: 3-digit bank code + 3-digit branch office code + 11 digits bank account number + 1-digit control.

For example, if your details are:

- Bank code: 123

- Branch office code: 234

- Bank account number: 55667788991

- Control number: 7

- Your CLABE = 123234556677889917

When you set up your payment method, you will need to enter the CLABE as your account number. We will use the CLABE to route your funds correctly. If you are unsure what your CLABE is, please contact your bank.

Morocco

Check with your bank for any further details. Minimum: 100 MAD

Nepal

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $4,500

Nigeria

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $3,000

Check the list for your local bank to identify your bank code.

Bank Code	Bank
707	Abbey Mortgage Bank
044	Access Bank PLC
704	AG Mortgage Bank
401	Aso Savings and Loans Plc
023	Citibank
599	Coronation Merchant Bank
063	Diamond Bank
050	Ecobank Nigeria Plc
084	Enterprise Bank
232	Equitorial Trust Bank
413	FBN Mortgage Limited
705	FBN Quest Merchant Bank
070	Fidelity Bank
085	Finbank
011	First Bank of Nigeria
214	First City Monument Bank Plc
601	FSDH Merchant Bank
706	Gateway Mortgage Bank
058	Guaranty Trust Bank
030	Heritage Bank
415	Imperial Homes Mortgage Bank
069	Intercontinental Bank
301	JAIZ Bank
402	Jubilee Life Mortgage Bank
082	Keystone Bank
90267	Kuda Bank
735	Lagos Building Investment Company
014	Mainstreet Bank
998	NIBSS Psuedo Bank
742	NOVA Merchant Bank
056	Oceanic Bank
502	Parallex
076	Polaris Bank Limited
101	Providus Bank
403	SafeTrust Mortgage Bank
221	Stanbic IBTC Bank
068	Standard Chartered Bank of Nigeria
232	Sterling Bank Plc
100	Sun Trust Bank
523	Trustbond Mortgage
032	Union Bank of Nigeria Plc
033	United Bank for Africa Plc
215	Unity Bank Plc
035	Wema Bank Plc
057	Zenith International Bank Plc

Pakistan

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $8,999

Philippines

Bank codes: A BRSTN code is the Bank Routing Symbol Transit Number, and is the popular term for a Bank Identifier Code (BIC) used among banks in the Philippines to transfer funds. It is a nine-digit code identifying your country, city, and bank.

When you set up direct to local bank payments, you will need to enter your bank's head office BRSTN code. We will use your account number and account holder information to route funds to your local branch. Subsidiary banks all use this same head office BRSTN code. If you enter your local branch's BRSTN code, you will get an error message.

Check the list for your local bank to identify your bank code.

BRSTN	Bank
011020011	Asia United Bank
010700015	Australia - New Zealand Bank
010530667	Banco De Oro
010670019	Bangkok Bank Public Co., Ltd.
010120019	Bank of America, N. A.
011140014	Bank of China
010440016	Bank of Commerce
010040018	Bank of the Philippine Islands (BPI)
010100013	China Banking Corporation
010690015	Chinatrust Commercial Bank Corp.
010070017	Citibank, N. A.
010650013	Deutsche Bank
010590018	Development Bank of the Philippines
010620014	East-West Banking Corporation
010860010	Export and Industry Bank
010060014	Hongkong and Shanghai Banking Corp.
010720011	JP Morgan Chase Bank
010710018	Korea Exchange Bank
010350025	Landbank of the Philippines
010220016	Maybank Philippines, Inc.
010269996	Metropolitan Bank and Trust Company
010640010	Mizuho Corporate Bank, Ltd.
010110016	Philippine Bank of Communications
010080010	Philippine National Bank (PNB)
010090039	Philippine Trust Company
010330016	Philippine Veterans Bank
010280014	Rizal Commercial Banking Corp.
010140015	Security Bank Corporation
010460012	The Bank of Tokyo Ltd
010050011	The Standard Chartered Bank
010419995	Union Bank of the Philippines
010299995	United Coconut Planters Bank
010270341	United Overseas Bank Philippines

Russia

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $9,000

Bank codes: The RUBIK is a 9-digit bank identification number in Russia. The form will require you to select whether your bank account is a corporate or personal account.

If your account is a corporate account, you will need to complete all fields, including the INN and the KPP fields. The INN is a tax identification number. This should be 10 digits or 12 digits. The KPP is the tax registration reason code. This should be 9 digits or have the format 0000PP000 (P could be a digit or capital Latin letter).

If your bank account is a personal account, you must complete all fields except the INN and KPP fields.

Senegal

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $2,000.

Sri Lanka

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $13,000

Thailand

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $10,000

Check the list for your local bank to identify your bank code.

Bank Code	Bank
002	Bangkok Bank Public Company Ltd.
004	Kasikornbank Public Company Ltd.
006	Krung Thai Bank Public Company Ltd.
011	TMB Bank Public Company Limited
014	Siam Commercial Bank Public Company Ltd.
017	Citibank, N.A.
020	Standard Chartered Bank (Thai) Public Company Limited
022	CIMB Thai Bank Public Company Limited
024	United Overseas Bank (Thai) Public Company Limited
025	Bank Of Ayudhya Public Company Ltd.
030	The Government Savings Bank
031	The Hongkong And Shanghai Banking Corporation Ltd.
033	The Government Housing Bank
034	Bank for Agriculture And Agricultural Cooperatives
039	Mizuho Bank, Ltd. Bangkok Branch
065	Thanachart Bank Public Company Ltd.
066	Islamic Bank Of Thailand
067	Tisco Bank Public Company Limited
069	Kiatnakin Bank Public Company Limited
070	Industrial and Commercial Bank of China (Thai) Public Company Limited
071	The Thai Credit Retail Bank Public Company Limited
073	Land and Houses Public Company Limited

Togo

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $20,000

United Kingdom

Bank codes: A sort code is the Bank Identifier Code (BIC) used among banks in the United Kingdom to transfer funds. It’s a six-digit number that identifies your bank.

You can find your sort code on your bank statement or on your checks. If you're unsure you have the right code, call your bank to confirm.

United States

Bank codes: An ABA routing number is a nine-digit number that the American Banking Association assigns to financial institutions andare required for ACH transfers*.

To find your bank's ABA routing number, look at the bottom of your check for a group of nine digits. If you’re having trouble, you can call or visit your online account.

*ACH transfers are only available to freelancers who are U.S. Persons and whose bank accounts have an ABA routing number. All others must select another payment method.

Vietnam

Limits below are listed in U.S. Dollars (USD). Check with your bank for any further details.

Limit: $11,000

SWIFT Bank Codes

Setting up your Direct to Local Bank account on Upwork may require a bank code. Bank codes differ by country; look in the list below look for to find yours. If you’re unsure or don’t see one that corresponds to your situation, you can check with your local bank for the most accurate information.

A SWIFT code is a popular term for a Bank Identifier Code (BIC). SWIFT stands for the Society for Worldwide Interbank Financial Telecommunication. It is an eight- or 11-digit code that identifies your country, city, bank, and (11-digit only) branch.

Eight-digit SWIFT codes: This will show the address of the bank's headquarters rather than your local branch. Your bank will then use your account number to get your funds to you.

11-digit SWIFT codes: May be required if your bank has several branches. When you set up your bank account as a payment method, enter all 11 characters unless the last three digits are XXX. Some banks will provide an 11-digit SWIFT code ending in XXX. This is a placeholder used by systems that don't accept eight-digit SWIFT codes and can be omitted from the form.

Ask your bank for the SWIFT code and bank account number you'll need to receive an incoming transfer. The SWIFT organization offers a lookup service. However, the best way to ensure proper routing of your funds is usually to contact your bank directly.

SWIFT Code Troubleshooting

When you enter a SWIFT code on the wire transfer registration form we check it against our bank's database and show you what we found.

If something doesn't match:

Check the SWIFT code you entered for typos
Check with your bank to ensure you have the correct SWIFT code
Check with your bank to ensure you have their correct SWIFT-registered name and address

Name – Sometimes, your bank's officially-registered name isn't the same as its operating name.

Address – Some banks will give you a SWIFT code for their headquarters or parent branch location and then use your bank account to get you your funds.

If the bank name or address isn't correct:

- You may update the bank name or address information (but not both). Choose "Not your bank or branch?" to enter it manually.

- Always confirm the SWIFT code, bank name, and bank address with your bank before entering changes manually. Only do this if you're 100% certain you have the SWIFT code correct and believe our database is out of date (for example, if your branch recently moved to a new location or changed names).

If the bank isn't found or the bank name and address aren't correct: Contact Customer Support by going here if you're certain you have the correct SWIFT code, but our database isn't finding the correct bank.