Incoming Transfers

Each incoming international wire transfer is processed in two steps:

  1. Process the incoming message with transfer details
  2. Settle funds and post funds to the beneficiary account

Funds are usually settled within a few minutes after an incoming transfer message is received during bank business hours. However, funds may be delayed if incoming transfer messages are received during non-business hours or settlement dates are in future. Delayed funds will be settled at the beginning of the next bank business day or on the settlement date.

Receiving Non USD Currencies

If an incoming transfer is received by Column in a non USD currency, Column will auto convert the foreign currency to USD and apply the USD result to your Column account.

Column BICs

Column has multiple Bank Identification Codes (BICs), one for each ABA routing number. Please reach out to if you are uncertain which BIC to use for your program.

ABA Routing NumberBIC

Use Correct BICs

Please make sure your clients are using the correct BICs to receive incoming transfers, based on the routing number of their accounts. Incoming funds sent to wrong BICs will be delayed or returned.

Return Incoming Transfers

If you do not want to accept an incoming international wire transfer for any reason, you can call our Return API to return it with a specific reason.

curl' \
  -XPOST \
  -u :<YOUR API KEY> \
  -d return_reason="beneficiary_account_blocked" \
  -d message_to_originator_bank="bene acct cannot accept intl wires"

Raw Incoming Messages

All important data of incoming transfer messages will be processed and populated in international wire transfer objects. You can also fetch raw incoming messages if necessary using the query parameter expand=raw_message.

curl' \
  -u :<YOUR API KEY>