---
updatedAt: 2026-09-18T12:06:28.000Z
agentTools:
  projectIndex: https://docs.cybrid.xyz/llms.txt
---

# Payouts to Pakistan

What are the specific requirements for PKR payouts to Pakistan?

Pakistan has specific requirements for PKR payouts. For the general cross-border payment flow, see [Sending Cross-Border Payments](https://docs.cybrid.xyz/docs/sending-cross-border-payments).

> ⚠️ U.S. Origination Required
>
> Remittance payouts to Pakistan are currently supported only for transactions originating from the United States. Transactions originating from Canada are not supported.

## C2C restriction

Pakistan payouts support **consumer-to-consumer (C2C) only**. Business customers and business counterparties are not supported. Both the customer (originator) and counterparty (receiver) must be individuals.

## Trading account requirement

Pakistan payouts require a **`USDC_SOL`** trading account as the source. Other trading account types (such as `USDC` or `USDC_NPL`) are not supported for PKR payouts.

## Verify PKR payout availability

Confirm your bank supports PKR payouts for `C2C` and the `bank_account` route.

> ℹ️ Bank configuration required
>
> Contact Cybrid support to enable PKR payouts and configure Pakistan as a supported corridor for your bank.

```http Request
GET /api/banks/{bank_guid}
Authorization: Bearer YOUR_TOKEN
```

Look for an entry in `supported_payout_symbols` where:

* `symbol`: `PKR-USD` or `PKR-USDC_SOL`
* `country_code`: `PK`
* `participants_type`: `C2C`
* `route`: `bank_account`

You can also query prices for Pakistan:

```http Request
GET /api/prices?payout_country_code=PK
Authorization: Bearer YOUR_TOKEN
```

## Identity verification requirements

The API validates all required KYC fields when you create a plan.

### Originator (Customer)

Required fields for the **customer** (individual):

* `name.first`, `name.last`
* `date_of_birth`
* `address.street`, `address.city`, `address.country_code`

### Receiver (Counterparty)

Create an individual counterparty with the [standard required fields](https://docs.cybrid.xyz/docs/creating-a-counterparty#individual-counterparties). This corridor requires no additional counterparty fields beyond the platform defaults.

The counterparty must be in `verified` state before you can create the external bank account and plan.

## Purpose of transaction

For Pakistan C2C payouts, `purpose_of_transaction` is **required**. The API accepts all standard purpose values.

## External bank account setup

Pakistan payouts use SBP (State Bank of Pakistan) routing through Pakistan's banking infrastructure. The API supports two routing formats: a SWIFT/BIC code with a local bank account number, or an IBAN.

Send a POST request to `/api/external_bank_accounts` with one of the following formats:

### Option 1: SWIFT/BIC code with local bank account number

Uses `bank_code_type: "SWIFT_BIC"` with a SWIFT/BIC code (`bank_code`) and a local Pakistani bank account number (8-24 digits).

```json Request
{
  "account_kind": "raw_routing_details",
  "name": "Pakistani beneficiary account",
  "counterparty_bank_account_details": [{
    "bank_code_type": "SWIFT_BIC",
    "bank_code": "HABORPKAXXX",
    "account_identifier": "1234567890123456",
    "payment_rail": "SBP"
  }],
  "counterparty_guid": "counterparty_guid",
  "customer_guid": "customer_guid",
  "asset": "PKR"
}
```

### Option 2: IBAN

Uses `bank_code_type: "IBAN"` with a Pakistani IBAN (validated via ISO 13616).

```json Request
{
  "account_kind": "raw_routing_details",
  "name": "Pakistani beneficiary account (IBAN)",
  "counterparty_bank_account_details": [{
    "bank_code_type": "IBAN",
    "account_identifier": "PK36SCBL0000001123456702",
    "payment_rail": "SBP"
  }],
  "counterparty_guid": "counterparty_guid",
  "customer_guid": "customer_guid",
  "asset": "PKR"
}
```

> ℹ️ No bank code required
>
> Pakistan does not require a `bank_code` field when IBAN routing details are set. When both IBAN and SWIFT/BIC details exist on the same account, the system prefers the SWIFT/BIC option.

> ℹ️ API versioning
>
> Creating external bank accounts with foreign raw routing details requires `Accept-Version: 2025-10-01` or later.

For the full account model and field reference, see [Create Foreign Fiat External Bank Accounts](https://docs.cybrid.xyz/docs/foreign-fiat-external-bank-accounts).

## Supported banks

The following banks are available for PKR payouts to Pakistan. For SWIFT-routed payouts, use the SWIFT/BIC code when setting up the external bank account. The IBAN bank code column identifies each bank within the IBAN format and does not require a separate `bank_code` field.

<AdvancedTable
  data={[ { 'Bank Name': 'Al-Barka Bank', 'IBAN Bank Code': 'AIIN', 'SWIFT/BIC': 'AIINPKKA' }, { 'Bank Name': 'Allied Bank Limited', 'IBAN Bank Code': 'ABPA', 'SWIFT/BIC': 'ABPAPKKA' }, { 'Bank Name': 'Askari Bank', 'IBAN Bank Code': 'ASCM', 'SWIFT/BIC': 'ASCMPKKA' }, { 'Bank Name': 'Bank Al Habib', 'IBAN Bank Code': 'BAHL', 'SWIFT/BIC': 'BAHLPKKA' }, { 'Bank Name': 'Bank AlFalah', 'IBAN Bank Code': 'ALFH', 'SWIFT/BIC': 'ALFHPKKA' }, { 'Bank Name': 'Bank Islami Pakistan Limited', 'IBAN Bank Code': 'BKIP', 'SWIFT/BIC': 'BKIPPKKA' }, { 'Bank Name': 'Bank of Punjab', 'IBAN Bank Code': 'BPUN', 'SWIFT/BIC': 'BPUNPKKA' }, { 'Bank Name': 'Barclays Bank', 'IBAN Bank Code': 'BARC', 'SWIFT/BIC': 'BARCPKKA' }, { 'Bank Name': 'CitiBank', 'IBAN Bank Code': 'CITI', 'SWIFT/BIC': 'CITIPKKA' }, { 'Bank Name': 'Dubai Islamic Bank', 'IBAN Bank Code': 'DUIB', 'SWIFT/BIC': 'DUIBPKKA' }, { 'Bank Name': 'Faisal Bank', 'IBAN Bank Code': 'FAYS', 'SWIFT/BIC': 'FAYSPKKA' }, { 'Bank Name': 'First Women Bank', 'IBAN Bank Code': 'FWOM', 'SWIFT/BIC': 'FWOMPKKA' }, { 'Bank Name': 'Habib Bank Limited', 'IBAN Bank Code': 'HABB', 'SWIFT/BIC': 'HABBPKKA' }, { 'Bank Name': 'Habib Metropolitan Bank', 'IBAN Bank Code': 'MPBL', 'SWIFT/BIC': 'MPBLPKKA' }, { 'Bank Name': 'ICBC', 'IBAN Bank Code': 'ICBK', 'SWIFT/BIC': 'ICBKPKKA' }, { 'Bank Name': 'JS Bank', 'IBAN Bank Code': 'JSBL', 'SWIFT/BIC': 'JSBLPKKA' }, { 'Bank Name': 'MCB Bank Limited', 'IBAN Bank Code': 'MUCB', 'SWIFT/BIC': 'MUCBPKKA' }, { 'Bank Name': 'MCB Islamic Bank', 'IBAN Bank Code': 'MCIB', 'SWIFT/BIC': 'MCIBPKKI' }, { 'Bank Name': 'Meezan Bank', 'IBAN Bank Code': 'MEZN', 'SWIFT/BIC': 'MEZNPKKA' }, { 'Bank Name': 'Mobilink Microfinance Bank', 'IBAN Bank Code': 'MMBL', 'SWIFT/BIC': 'MMBLPKKA' }, { 'Bank Name': 'Muslim Commercial Bank/NIB Bank', 'IBAN Bank Code': 'NIBP', 'SWIFT/BIC': 'NIBPPKKA' }, { 'Bank Name': 'National Bank of Pakistan', 'IBAN Bank Code': 'NBPA', 'SWIFT/BIC': 'NBPAPKKA' }, { 'Bank Name': 'Samba Bank', 'IBAN Bank Code': 'SAMB', 'SWIFT/BIC': 'SAMBPKKA' }, { 'Bank Name': 'Silk Bank', 'IBAN Bank Code': 'PRUC', 'SWIFT/BIC': 'PRUCPKKA' }, { 'Bank Name': 'Sindh Bank', 'IBAN Bank Code': 'SIND', 'SWIFT/BIC': 'SINDPKKA' }, { 'Bank Name': 'Soneri Bank Limited', 'IBAN Bank Code': 'SONE', 'SWIFT/BIC': 'SONEPKKA' }, { 'Bank Name': 'Standard Chartered Bank', 'IBAN Bank Code': 'SCBL', 'SWIFT/BIC': 'SCBLPKKX' }, { 'Bank Name': 'Summit Bank Limited', 'IBAN Bank Code': 'BCEY', 'SWIFT/BIC': 'BCEYPKKA' }, { 'Bank Name': 'The Bank of Khyber', 'IBAN Bank Code': 'KHYB', 'SWIFT/BIC': 'KHYBPKKA' }, { 'Bank Name': 'U Microfinance Bank', 'IBAN Bank Code': 'UMBL', 'SWIFT/BIC': 'UMBLPKKA' }, { 'Bank Name': 'United Bank Limited', 'IBAN Bank Code': 'UNIL', 'SWIFT/BIC': 'UNILPKKA' } ]} />

## Common validation errors

| Error Code                       | Description                                                       |
| -------------------------------- | ----------------------------------------------------------------- |
| `invalid_destination_account`    | External bank account not completed or missing SWIFT/IBAN details |
| `invalid_purpose_of_transaction` | Missing purpose value for Pakistan C2C                            |
| `invalid_parameter`              | KYC requirements not met (originator or receiver PII incomplete)  |
| `invalid_asset`                  | Bank does not support PKR payouts for `C2C`                       |

## Related resources

* [Sending Cross-Border Payments](https://docs.cybrid.xyz/docs/sending-cross-border-payments)
* [Create Foreign Fiat External Bank Accounts](https://docs.cybrid.xyz/docs/foreign-fiat-external-bank-accounts)
* [Creating a Counterparty](https://docs.cybrid.xyz/docs/creating-a-counterparty)
* [Verifying a Counterparty](https://docs.cybrid.xyz/docs/verifying-a-counterparty)
* [Create Plan API Reference](https://docs.cybrid.xyz/reference/createplan)