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Treasury Management SolutionsInternational WireTransfer GuideEffective as of March 7, 2016

International Wire Transfer GuideContents1Introduction2Key Reference Terms4Overview of Payment Instruction Requirements by Country4Americas5Asia6Europe8Middle East and Africa10 Additional Payment Instruction Requirements by Country12 Purpose of Payment Codes12 Brunei16 China17 India22 Jordan25 Russia32 United Arab EmiratesInternational Wire Transfer Guide

Welcome to Capital One’s International Wire Transfer service. Please use this guide tohelp you make timely and accurate payments to beneficiaries around the world. If you have questionsalong the way, please contact our Treasury Management Client Services team at 1-866-632-8888 orTMHelp@capitalone.com.Keep in mind, payment formats and information are subject to constant change. As global paymentsystems and political climates evolve, we recommend you obtain specific payment formatting instructions from your intended recipient or a source published by the payment destination country.Getting StartedTo begin making international wire transfers, you’ll need to have the basic identifying informationshown below. Additional information may be required by country.Please Have the Following Information Ready Ordering account number and the sender’s account to be debited Full beneficiary name - do not use initials, which may delay receipt of funds Beneficiary address Beneficiary telephone number Beneficiary account number Beneficiary’s full bank name, bank address, SWIFT Bank Identifier Code (SWIFT BIC), and branchidentifier if required If the wire is being initiated on behalf of a third party, you’ll need the third party’s name and address International Bank Account Number (IBAN), if requiredAdditional Information That May Be RequiredAdditional information requirements vary by country. Examples include the beneficiary’s telephonenumber, the beneficiary’s Tax ID, the purpose of payment description, etc. Please check with yourrecipient to ensure you are providing all of the information needed.Intermediary BankIntermediary banks are often used when a payment is made in a currency that is different from thelocal currency. When making a payment through an intermediary bank, you must include the intermediary bank’s SWIFT BIC.The Intermediary Bank is typically obtained from the Beneficiary Bank as their preferred routing bank.You can contact your intended recipient to obtain the name of this bank and its SWIFT BIC.ChargesIntermediary banks that process payments charge a fee to cover their processing costs. These fees areknown as Beneficiary Deduction “Bene Deduct” fees and are in addition to the wire transfer initiationfee. Because not all intermediary banks between the Originator and Beneficiary are known when thewire transfer is initiated, the sum of all fees cannot be determined until after the wire transfer has beencompleted.International Wire Transfer Guide1

Key Reference TermsCut-off Times to Send InstructionsFor same-day processing, all outgoing international wire transfer instructions must be received before5 p.m. ET.BeneficiaryThe intended recipient of your payment.Beneficiary BankThe bank of the Beneficiary where your payment will be deposited.Intermediary BankThe routing bank preferred by the Beneficiary Bank. Using the correct Intermediary Bank streamlinescross-border hand-offs between banks.Identifying Banks in Your Payment InstructionSWIFT BIC (Bank Identifier Codes) are required for all international wire transfers. To optimize thepayment process, you should also include the SWIFT BIC of the Intermediary Bank suggested by yourrecipient’s bank.SWIFT BIC (Bank Identifier Code)The SWIFT Bank Identifier Code is a unique series of 8 or 11 alpha numeric characters that identifiesa specific financial institution and its branch. This code is used to ensure automated and accurateidentification of financial institutions within payment systems when a message or money is transferred.Your Beneficiary can provide you with the SWIFT BIC. Most SWIFT BICs use only the 8 character headoffice version, but some require the additional 3 characters that designate a specific branch location.To ensure timely delivery, your instructions for international outgoing wires should include the SWIFT BICfor the Beneficiary Bank and Intermediate Bank (if needed) in the designated instruction fields.IBAN (International Bank Account Number)The IBAN varies by country. Sending a wire to a participating country without the IBAN can delay thewire, or the receiving bank may reject the wire when the IBAN is not included in the payment.CLABE (Clave Bancaria Estandarizada)The CLABE is a banking standard for the numbering of bank accounts in Mexico. The CLABE accountcode has 18 digits.SEPA (Single Euro Payments Area)The creation of the Single Euro Payments Area (SEPA) is a European Union public authorities’integration initiative in the area of electronic euro payments. The SEPA zone is comprised of34 countries, including Switzerland and Liechtenstein. SEPA eliminates differences between nationaland cross-border payments for certain transactions denominated in euro.International Wire Transfer Guide2

Purpose of PaymentWire transfers to countries such as Brunei, China, India, Jordan, Russia, the United Arab Emirates,and others require a purpose of payment description. Certain countries have set specific codes foreach purpose of payment. Other countries require that the purpose of payment be clearly identifiedvia a brief description of up to 35 characters. Codes and descriptions are detailed in this guide.Description examples include payment on exported goods, payment on computer services, foreigndirect investment, and salary to employee.Purpose of Payment CodesIn addition to standard payment requirements, central banks in certain countries require specificcodes to be included in the payment instruction. These codes are used to advise the governmentof the receiving country on why the payment is being made, to help route payments, and to identifybeneficiaries properly.International Wire Transfer Guide3

anadaDollarCADCayman IslandsDollarKYDChilePesoCLPRequired - free formColombiaPesoCOPRequired - free formCountry of PaymentBank AccountNumberPurpose of PaymentIBANAdditionalRequirementsRequired - free form3Required - free form3Required - free form3Required - free form3Costa RicaColonCRCIBANRequired - free form3Dominican RepublicPesoDOPIBAN Optional Required - free form3East CaribbeanDollarXCDEl SalvadorColonSVCFrench *Netherlands aniPYGPeruNuevo SolPENSaint BarthelemyEuroEURIBANSaint MartinEuroEURIBANSint MaartenGuilderANGTrinidad and TobagoDollarTTDUnited StatesDollarUruguayVirgin Islands, BritishRequired - free form3Required - free form33Required - free form3USDRequired - free form3PesoUYURequired - free form3DollarUSDIBAN*Purpose of Payment should be clearly identified via a brief description of up to 35 characters. Refer to this guide for formatting of country-specific codes.** Clave Bancaria EstandarizadaInternational Wire Transfer Guide4

llarKHRFJDFrench PolynesiaCFP FrancXPFHong KongDollarHKDIndiaRupeeIndonesiaCountry of PaymentBank AccountNumberPurpose of PaymentAdditionalRequirementsRequired - free form3Required - codes3Required - codes3INRRequired - codes3RupiahIDRRequired - free ysiaRinggitMYRNepalRupeeNPRNew CaledoniaCFP FrancXPFNew ZealandDollarNZDPakistanRupeePKRPapua New GuineaKinaPGKPhilippinesPesoPHPRequired - free form3SingaporeDollarSGDRequired - free form3Solomon IslandsDollarSBDSomoaTalaWSTSouth KoreaWonKRWRequired - free form3ChinaFijiCNYIBANIBANRequired - free formRequired - free form3IBANIBANRequired - free formSri LankaRupeeLKRTahitiFrancXPFRequired - free formTaiwanDollarTWDRequired - free formThailandBahtTHBRequired - free formTongaPangaTOPVanuatuVatuVUVVietnamWallis and FutunaIslandsDongVNDCFP FrancXPF33IBAN*Purpose of Payment should be clearly identified via a brief description of up to 35 characters. Refer to this guide for formatting of country-specific codes.International Wire Transfer Guide5

EuropeCurrencyCurrencyCodeBank AccountNumberPurpose of gKunaHRKIBANCyprusEuroEURIBANCzech try of PaymentBosnia andHerzegovinaBulgariaChannel IslandsIsle of ManRequired - free formAdditionalRequirements3Required - free formRequired - free form*Purpose of Payment should be clearly identified via a brief description of up to 35 characters. Refer to this guide for formatting of country-specific codes.International Wire Transfer Guide6

Country of ssiaSaint Pierre etMiquelonSan MarinoRubleRUBEuroEURIBANEuroEURIBANSerbiaSlovac e of PaymentRequired - free eHryvniaUAHUnited ired - free formIBAN*Purpose of Payment should be clearly identified via a brief description of up to 35 characters. Refer to this guide for formatting of country-specific codes.International Wire Transfer Guide7

Middle East and AfricaCountry of PaymentCurrencyCurrencyCodeBank AccountNumberPurpose of atAZNIBANBahrainDinarBHDIBANBotswanaPulaBWPCape VerdeCentral inarJODIBANRequired - codesKenyaShillingKESKuwaitDinarKWDIBANRequired - free formLebanonPoundLBPIBANRequired - free ineShekelILSIBANQatarRialQARIBANReunion IslandEuroEURIBANRwandaFrancRWFSaudi ArabiaRiyalSARRequired - free form3Required - free form3SeychellesRupeeSCRSierra LeoneLeoneSLLSouth TZSTunisiaDollarTNDUgandaShillingUGXRequired - free formRequired - free formIBANAdditionalRequirements33Required - free formRequired - free formIBAN*Purpose of Payment should be clearly identified via a brief description of up to 35 characters. Refer to this guide for formatting of country-specific codes.International Wire Transfer Guide8

CurrencyCurrencyCodeBank AccountNumberPurpose of PaymentUnited Arab untry of PaymentRequired - codesAdditionalRequirements3Required - free form*Purpose of Payment should be clearly identified via a brief description of up to 35 characters. Refer to this guide for formatting of country-specific codes.International Wire Transfer Guide9