The bankDetails required for a Payee depend on the currency and the type of payment you want to make to the Payee.

Currency Specific Details

Currency	Required Fields	Supported Payment Schemes
GBP	`bankDetails.accountNumber` `bankDetails.routingCodeType` (SORT_CODE) `bankDetails.routingCodeValue`	UK Faster Payments - `FPS` CHAPS - `CHAPS`
EUR	`bankDetails.iban`	SEPA Credit Transfer - `SCT`
AUD	`bankDetails.accountNumber` `bankDetails.routingCodeType` (BSB) `bankDetails.routingCodeValue`	Direct Entry - `DE`
USD	`bankDetails.iban` `bankDetails.bic` `bankDetails.routingCodes` or `bankDetails.accountNumber` `bankDetails.bic` `bankDetails.bankAddressCountry` `bankDetails.routingCodes`	SWIFT - `SWIFT`
USD	`bankDetails.accountNumber` `bankDetails.routingCodes` `bankDetails.routingCodes.type` `bankDetails.routingCodes.value` `bankDetails.bankName`	WIRE

When a Payee is created, the response contains a paymentSchemes param which tells you the Payment Schemes via which the created Payee can be sent a payment.

"paymentSchemes":[
      "FPS",
      "CHAPS"
   ]

"paymentSchemes":[
      "SCT"
   ]

"paymentSchemes":[
      "DE"
   ]

"paymentSchemes":[
      "SWIFT"
   ]

Additional Details for USD Payees

For USD payments, the bankDetails object has specific field requirements as outlined below:

I. Beneficiary Bank Details (USD)

Field Name	Type	Requirement (for USD)	Description
Account Identification		One of the following combinations is Required:
`bankDetails.iban`	String	Required (if `accountNumber` is not provided)	International Bank Account Number.
`bankDetails.accountNumber`	String	Required (if `iban` is not provided)	The account number.
`bankDetails.bic`	String	Required (used with either `iban` or `accountNumber`)	Bank Identifier Code (SWIFT BIC).

`bankDetails.bankName`	String	Required	Name of the beneficiary's bank.
`bankDetails.bankAddressLine1`	String	Required	Address line 1 of the beneficiary's bank.
`bankDetails.bankAddressCity`	String	Required	City of the beneficiary's bank.
`bankDetails.bankAddressPostalCode`	String	Required	Postal code of the beneficiary's bank.
`bankDetails.bankCountry`	String (ISO 3166-1 alpha-2)	Required (if `bankAddressCountry` is not provided)	Country of the beneficiary's bank.
`bankDetails.bankAddressCountry`	String (ISO 3166-1 alpha-2)	Required (if `bankCountry` is not provided)	Country component of the beneficiary's bank address.
`bankDetails.routingCodes`	Object or Array	Required	For USD, the ABA code of the Sending Bank's US Correspondent is required. Please contact the sending bank if this ABA code isn't immediately available. Example :`[{"type": "ABA", "value": "021000021"}]`
`bankDetails.routingCodes.type`	String	Required	Type of the routing code, e.g. `ABA`
`bankDetails.routingCodes.value`	String	Required	Value of the routing code

Note on Account Identification: For USD bank details, you must provide either:

(bankDetails.iban , bankDetails.bic AND bankDetails.routingCodes ) OR
(bankDetails.accountNumber , bankDetails.bic AND bankDetails.routingCodes ).

Note on Bank Country: For USD bank details, at least one of bankDetails.bankCountry OR bankDetails.bankAddressCountry must also be provided.

II. Intermediary Bank Details (USD)

These fields are required for USD payments ifbankDetails.intermediaryBicSwift is provided.

Field Name	Type	Requirement (if `intermediaryBicSwift` is provided for USD)	Description
`bankDetails.intermediaryBicSwift`	String	(Trigger field for below requirements)	SWIFT BIC of the intermediary bank.
`bankDetails.intermediaryBankName`	String	Required	Name of the intermediary bank.
`bankDetails.intermediaryBankAddressLine1`	String	Required	Address line 1 of the intermediary bank.
`bankDetails.intermediaryBankAddressCity`	String	Required	City of the intermediary bank.
`bankDetails.intermediaryBankAddressPostalCode`	String	Required	Postal code of the intermediary bank.
`bankDetails.intermediaryBankAddressCountry`	String (ISO 3166-1 alpha-2)	Required	Country of the intermediary bank.