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You asked: Why do I need to use the IBAN

We matched that to: Why do I need to use the IBAN?

Your wire payment can still be made without an IBAN (International Bank Account Number), but you should ask your European beneficiaries for it and supply it to us with the payment details. Your beneficiaries are familiar with this type of request.

Failure to provide the IBAN reduces the opportunity to process the payment straight-through (STP), which may mean you will be subject to additional repair charges and could result in the return of the payment.

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