Estonia
Overview
| Transfer method | Local | SWIFT |
|---|---|---|
| Supported currency(ies) | EUR | AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, THB, TRY, USD, ZAR |
| Payment scheme | SEPA Instant / SEPA* | |
| Flight time (business days) | 0-2 | 0-3 |
| Maximum transaction limit | No limit | No limit |
| Ultimate payer displayed | Yes | Yes |
* Note that for transfer > 100,000 EUR or when the recipient bank does not support SEPA Instant, the transaction will be processed via SEPA with a flight time up to 2 business days.
Please refer to the sections below for the key required bank details and other considerations for each supported transfer method.
Local EUR payout
| Required fields | Permitted Data | Notes |
|---|---|---|
account_currency | 3-letter ISO 4217 currency code | Should be EUR |
account_name | 2-200 characters | Account holder name of the recipient’s bank account |
iban | 20 alphanumeric characters | Should be a valid and supported IBAN starting with country code “EE” |
bank_country_code | 2-letter ISO 3166-2 country code | Should be EE |
Viitenumber for invoice payments
Viitenumber (reference number) is a structured numeric reference used in Estonia for invoice payments. It helps the beneficiary automatically match an incoming payment to the correct invoice or account, reducing manual matching and delays.
For local EUR payouts to Estonia, providing a Viitenumber is optional. If you want to include a Viitenumber, pass it in the same reference field as your payment reference using the format below:
- Use the separator:
|. - Put the payment reference before the separator and the Viitenumber after the separator.
- Provide the Viitenumber exactly as supplied by the beneficiary or on the invoice.
- Spaces at the beginning and end of each reference are trimmed.
- The entire
referencefield must not exceed 140 characters, including the separator and spaces.
Example: reference message | 123456789
SWIFT payout
| Required fields | Permitted Data | Notes |
|---|---|---|
account_currency | 3-letter ISO 4217 currency code | One of AUD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD, THB, TRY, USD, ZAR |
account_name | 2-200 characters | Account holder name of the recipient’s bank account |
iban | 20 alphanumeric characters | Should be a valid and supported IBAN starting with country code “EE” |
bank_country_code | 2-letter ISO 3166-2 country code | Should be EE |