Unites States - ABA Routing Number

An ABA routing number is the nine-digit number that the American Banking Association assigns to financial institutions, and they are required for ACH transfers. ACH transfers are only available to freelancers who are U.S. Persons (see here) and whose bank accounts have an ABA routing number. All others must select another payment method.

To find your bank's ABA routing number, look at the bottom of your check for a group of nine digits between two ⑆ characters. It is usually at the bottom left, followed by your account and check numbers. If you aren't sure which number to use, call or visit your bank and ask.

Argentina - CUIL/ CUIT

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 11 digits.

Australia - BSB Codes

A BSB code is the Bank/State/Branch number, and is the popular term for a Bank Identifier Code (BIC) used among banks in Australia to transfer funds. It is a six-digit code identifying your city, bank, and branch. With this simple code, Upwork's bank can route funds to any registered bank in Australia.

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.

You can usually find your bank's BSB code on your monthly or quarterly bank statement. If you're not absolutely sure you have the right code, call your bank to confirm.

Brazil - CPF

The Cadastro de Pessoas Físicas (CPF) is the the Brazilian individual taxpayer registry identification number. It has 11 digits 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.

Canada - Transit Number

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. With this simple code, Upwork's bank can route funds to any registered bank in Canada.

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. You may also contact your bank.

Chile - RUT

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.

Great Britain - Sort Codes

A sort code is the Bank Identifier Code (BIC) used among banks in the United Kingdom to transfer funds. It is a six-digit number that identifies your bank. With this simple code, Upwork's bank can route funds to any registered bank in the United Kingdom.

You can find your sort code on your bank statement or on your checks. If you're not absolutely sure you have the right code, call your bank to confirm.

Hong Kong - Account number

Different banks in Hong Kong have different bank account format requirements for Direct to Local Bank transfers. Some banks may require you to add the bank code + branch code + bank account number, while other banks may only require branch code + bank account number. Please confirm with your bank the correct bank account number to use.

India - IFSC Branch Codes

An IFSC is an Indian Financial System Code and it is 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. With this simple code, Upwork's bank can route funds to any registered bank in India. 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.

Malaysia - NRIC

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 - CLABE

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 to locate it.

Philippines - BRSTN

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. With this simple code, Upwork's bank can route funds to any registered bank in the Philippines.

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.

To find your BRSTN code, contact your bank and ask for the BRSTN code of their head office or parent bank. Or see our list of head office BRSTN codes in the Philippines:

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 - RUBIK

The RUBIK is a 9 numeric 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.

Singapore - Branch Code

The RUBIK is a 9 numeric 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.

SWIFT Bank Codes

Global SWIFT Codes

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. With this simple code, Upwork's bank can route funds to any registered bank in the world.

Eight-digit SWIFT codes:

  • 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 on 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:

  1. Check the SWIFT code you entered for typos.
  2. Check with your bank to ensure you have the correct SWIFT code.
  3. 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 their 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). Click "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 clicking here if you're certain you have the correct SWIFT code but our database isn't finding the correct bank.

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