Withdraw to your bank abroad

In this guide you save a bank account outside Nigeria as a payout destination, then withdraw your balance to it. By the end you will have a saved destination you can reuse for future withdrawals, a withdrawal on its way to your bank, and a webhook that tells you when the money has arrived. Multi-currency withdrawals are available to all Bachs users. You can save multiple bank accounts belonging to you and choose a destination for each withdrawal. The API calls withdrawals payouts, so its endpoints and webhook events keep that name.

What you can withdraw to

Currency	Country	Withdrawal method (`scheme`)	Details you send	Destination approval in live mode
`USD`	United States	`ach`, `wire` or `rtp`	Routing number, account number, bank address	Straight away
`GBP`	United Kingdom	Faster Payments (no `scheme` needed)	Sort code, account number	After review
`EUR`	Eurozone (SEPA)	SEPA (no `scheme` needed)	IBAN, SWIFT/BIC	After review
`CAD`	Canada	`eft`, `interac_account` or `interac_email`	Institution, transit and account number, or an Interac email	After review
`KES`, `GHS`, `UGX`, `TZS`	Kenya, Ghana, Uganda, Tanzania	Local bank transfer	Bank code, account number	After review

International SWIFT transfers are not offered. This guide covers bank accounts outside Nigeria; see Withdraw using the API for your Nigerian bank account. Other currencies are not supported for bank withdrawals.

Prerequisites

An API key with payouts:write to create destinations and withdrawals, and payouts:read to retrieve their status. See Authentication Overview.
Your organization enabled for payouts. Without it, payout requests return PAYOUTS_NOT_ENABLED.
Available USD funds sufficient for the withdrawal and fee. These bank routes use your USD balance; an NGN balance cannot fund them. Check Get Balances. USD-to-USD needs no conversion quote; another destination currency needs a quote (step 3).
Complete account identity information, including the account name, contact email and address. This is separate from the bank branch address below.

Sandbox payouts are simulated. They move through the same statuses as live payouts without moving real money, so you can build the whole flow against https://sandbox-api.bachs.io first. Sandbox destinations are automatically approved; this does not establish live approval or access. The requests and responses below are illustrative examples, not recorded API results. Replace the sample bank details, identifiers and amounts with your own.

Steps

Save your bank account as a destination

Call Create Destination with the currency and your bank details. The fields depend on the currency. Pick your currency below.account_name is the name on the bank account. We send it to your bank exactly as you type it, and we cannot look it up for these banks. If it does not match the name your bank holds, the bank can refuse the payment and return it.

curl -X POST https://sandbox-api.bachs.io/v1/payouts/destinations \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..." \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "USD",
    "name": "Operating account",
    "scheme": "ach",
    "account_name": "Ada Okafor Ventures LLC",
    "bank_name": "Bank of America",
    "routing_number": "026009593",
    "account_number": "3010001234567",
    "bank_address": {
      "line1": "100 North Tryon Street",
      "city": "Charlotte",
      "state": "NC",
      "postal_code": "28255",
      "country": "US"
    }
  }'

curl -X POST https://sandbox-api.bachs.io/v1/payouts/destinations \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..." \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "GBP",
    "name": "UK account",
    "account_name": "Ada Okafor Ventures Ltd",
    "bank_name": "Barclays",
    "sort_code": "20-00-00",
    "account_number": "55779911"
  }'

curl -X POST https://sandbox-api.bachs.io/v1/payouts/destinations \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..." \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "EUR",
    "name": "Euro account",
    "account_name": "Ada Okafor Ventures GmbH",
    "bank_name": "Deutsche Bank",
    "iban": "DE89 3704 0044 0532 0130 00",
    "swift_bic": "DEUTDEFF"
  }'

curl -X POST https://sandbox-api.bachs.io/v1/payouts/destinations \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..." \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "CAD",
    "name": "Canada account",
    "scheme": "interac_email",
    "account_name": "Ada Okafor",
    "interac_email": "ada@example.com"
  }'

curl -X POST https://sandbox-api.bachs.io/v1/payouts/destinations \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..." \
  -H "Content-Type: application/json" \
  -d '{
    "currency": "KES",
    "type": "bank_account",
    "name": "Nairobi account",
    "bank_code": "01",
    "account_number": "1234567890"
  }'

The response is the destination. Keep its id:

Response (USD)

{
  "id": "pd_3Fh8wQz1LmN5rT2v",
  "name": "Operating account",
  "type": "bank_account",
  "currency": "USD",
  "status": "approved",
  "status_reason": null,
  "is_usable": true,
  "is_default": true,
  "account_number": "3010001234567",
  "account_name": "Ada Okafor Ventures LLC",
  "bank_code": null,
  "bank_name": "Bank of America",
  "phone_number": null,
  "mobile_provider": null,
  "wallet_address": null,
  "network": null,
  "sort_code": null,
  "iban": null,
  "swift_bic": null,
  "routing_number": "026009593",
  "bank_address": {
    "line1": "100 North Tryon Street",
    "city": "Charlotte",
    "state": "NC",
    "postal_code": "28255",
    "country": "US"
  },
  "institution_number": null,
  "transit_number": null,
  "interac_email": null,
  "scheme": "ach",
  "reviewed_at": "2026-10-07T09:14:02Z",
  "created_at": "2026-10-07T09:14:02Z",
  "updated_at": "2026-10-07T09:14:02Z"
}

Fields required for each currency

Currency and `scheme`	Required fields
`USD` with `ach`, `wire` or `rtp`	`scheme`, `account_name`, `bank_name`, `routing_number` (9 digits), `account_number`, `bank_address` with `line1`, `city`, `state`, `postal_code` and `country`. The bank’s address must be in the US (`"country": "US"`).
`GBP`	`account_name`, `bank_name`, `sort_code` (6 digits), `account_number`
`EUR`	`account_name`, `bank_name`, `iban`, `swift_bic` (8 or 11 characters)
`CAD` with `eft` or `interac_account`	`scheme`, `account_name`, `bank_name`, `institution_number` (3 digits), `transit_number` (5 digits), `account_number`
`CAD` with `interac_email`	`scheme`, `account_name`, `interac_email`
`KES`, `GHS`, `UGX`, `TZS`	`bank_code`, `account_number`. Get the bank code from List Banks with `country` set to `KE`, `GH`, `UG` or `TZ`.

bank_address is the address of your bank’s branch, not your own address. You can paste sort codes, IBANs and account numbers with spaces or dashes, as your bank statement prints them. We remove them before we check the format.

scheme is required only where a currency can be paid more than one way: USD and CAD. GBP and EUR have one way each, so you leave scheme out and it comes back null.

Wait for review, if your currency needs it

In live mode, a USD bank destination is automatically approved when you save it: status is approved and is_usable is true.Other bank destinations in the table above initially come back in live mode with status set to pending_review and is_usable set to false. Our team checks the details before any money can go to the account. Check the destination with Get Destination and continue when is_usable is true. If we cannot approve it, status becomes rejected and status_reason says why.

Check the destination

curl https://sandbox-api.bachs.io/v1/payouts/destinations/pd_3Fh8wQz1LmN5rT2v \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..."

Changing the account details of a saved destination (account number, sort code, IBAN, routing number, holder name or bank name) sends it back to pending_review, even for a USD bank. Its approval was for the old details. See Update Destination.

Get a quote for a destination currency other than USD

For a withdrawal from your USD balance to your USD bank account, skip this step.To withdraw USD as another currency, for example to your GBP bank account, call Create Payout Quote first. amount is how much leaves your balance, before the fee. Send payout_method as BANK_TRANSFER.

curl -X POST https://sandbox-api.bachs.io/v1/payouts/quotes \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..." \
  -H "Content-Type: application/json" \
  -d '{
    "from_currency": "USD",
    "to_currency": "GBP",
    "amount": "500.00",
    "payout_method": "BANK_TRANSFER"
  }'

{
  "quote_id": "pqt_8c1f2e9a4b7d4e0f9a3c6b2d1e5f7a90",
  "from_currency": "USD",
  "to_currency": "GBP",
  "from_amount": "500.00",
  "to_amount": "371.50",
  "exchange_rate": "0.743",
  "expires_at": "2026-10-07T09:20:30+00:00"
}

to_amount is what reaches your bank. A quote lasts 30 seconds, so create it right before the payout and send the payout as soon as it returns.

Send the withdrawal

Call Create Payout with the destination. For a same-currency withdrawal, send amount. With a quote, send quote_id and leave amount out, because the quote already fixes both amounts. Always send an Idempotency-Key.

curl -X POST https://sandbox-api.bachs.io/v1/payouts \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..." \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: withdraw-2026-10-07-usd" \
  -d '{
    "destination": "pd_3Fh8wQz1LmN5rT2v",
    "amount": "500.00",
    "reference": "WD-2026-10-07-USD"
  }'

curl -X POST https://sandbox-api.bachs.io/v1/payouts \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..." \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: withdraw-2026-10-07-gbp" \
  -d '{
    "destination": "pd_9Gx2kLp7QwE4nB6s",
    "quote_id": "pqt_8c1f2e9a4b7d4e0f9a3c6b2d1e5f7a90",
    "reference": "WD-2026-10-07-GBP"
  }'

{
  "id": "pay_Lm4Qw8Zt2RkV6nHx",
  "status": "pending",
  "amount": "371.50",
  "currency": "GBP",
  "source_currency": "USD",
  "fee": "5.00",
  "total_debited": "505.00",
  "destination": "pd_9Gx2kLp7QwE4nB6s",
  "reference": "WD-2026-10-07-GBP",
  "failure_reason": null,
  "created_at": "2026-10-07T09:20:12Z",
  "completed_at": null
}

amount is in the bank’s currency. fee and total_debited are in source_currency, the balance the money left. The fee is charged on top, so a 500.00 USD withdrawal debits more than 500.00 USD. Reconcile against total_debited.

A 500, 502, 503 or 504, or a request that times out, does not mean the withdrawal failed. The money may already have left your balance. Check with Get Payout or List Payouts before you try again, and retry with the same Idempotency-Key so you cannot pay twice.

Confirm the money arrived

A successful response means we accepted the withdrawal and took the money from your balance. It does not mean your bank has it. The status moves from pending to processing, then to completed or failed.Listen for payout.paid and payout.failed, or poll Get Payout:

Check the withdrawal

curl https://sandbox-api.bachs.io/v1/payouts/pay_Lm4Qw8Zt2RkV6nHx \
  -H "Authorization: Bearer sk_sandbox_abc123xyz..."

On failed, failure_reason says why. The amount and the fee both go back to your available balance.

Errors

`error_code`	When it happens	What to do
`BANK_ROUTING_DETAILS_INVALID` (400)	A required field is missing, or a value has the wrong format: a routing number that fails its check digit, a sort code that is not 6 digits, an IBAN that is not valid, a bank address outside the US. `detail` names every problem, for example `ach payouts need routing_number, bank_address`.	Fix each field `detail` names and send the request again.
`BANK_ROUTING_DETAILS_INVALID` (400) with `detail` such as `scheme is required for USD: one of ach, wire, rtp`	You saved a `USD` or `CAD` bank without `scheme`, or sent a `scheme` the currency does not have.	Send one of the schemes listed in `detail`.
`BANK_ROUTING_DETAILS_INVALID` (400) with `detail` such as `CHF bank payouts are not supported`	The currency is not in the table above.	Withdraw in a supported currency.
`PAYOUT_CURRENCY_NOT_ENABLED` (400)	The requested bank route is disabled for the account.	If this occurs for a supported route, contact support with the error details.
`PAYOUT_SOURCE_CURRENCY_UNSUPPORTED` (400)	The source balance cannot fund this bank route.	Use your available USD balance.
`PAYOUT_RECIPIENT_INCOMPLETE` (400)	Required account identity information is missing.	Complete your account name, contact email and address.
`AMOUNT_REQUIRED` (400)	A payout with neither `amount` nor `quote_id`.	Send `amount` for a same-currency withdrawal, or a `quote_id`.
`AMOUNT_NOT_ALLOWED_WITH_QUOTE` (400)	A payout with both `amount` and `quote_id`.	Leave `amount` out. The quote already fixes it.
`QUOTE_EXPIRED` (400)	More than 30 seconds passed between the quote and the payout.	Create a new quote and send the payout straight away.
`BAD_REQUEST` (400), `Quote payment method mismatch`	The quote was for a different `payout_method` than the destination uses.	Quote again with `payout_method` set to `BANK_TRANSFER`.
`BAD_REQUEST` (400), `Quote is not required for same-currency payout`	You asked for a quote from a balance in the same currency as the bank.	Skip the quote and send `amount` on the payout.

See Errors for the shape of every error response.

Next steps

Withdrawals overview: supported routes and the shared withdrawal flow.
Multi-currency withdrawals: supported methods and funding requirements.
Payout schedules: withdraw to your default destination on a daily, weekly or monthly schedule.
Update Destination: rename a destination or make it the default for its currency.
The payout destination object: every field on a destination.

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Withdraw to your bank abroad

What you can withdraw to

Prerequisites

Steps

Fields required for each currency

Errors

Next steps

​What you can withdraw to

​Prerequisites

​Steps

​Fields required for each currency

​Errors

​Next steps

What you can withdraw to

Prerequisites

Steps

Fields required for each currency

Errors

Next steps