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🇭🇹 Sending to Haiti

HT · HTI

HTG

FATF grey list   National format   SWIFT BIC required

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FATF Increased Monitoring

This jurisdiction is on the FATF list of jurisdictions under increased monitoring. FATF does not call for enhanced due diligence on that basis, but asks institutions to take the listing into account in their risk analysis.

Required information

  • Account number

    Numeric, varies by bank (typically 10-16 digits). No BRH-mandated unified format. Sogebank, Unibank, BNC, BUH each use their own account-number schemes.

  • SWIFT BIC

    Beneficiary bank BIC (8 or 11 characters).

  • BIC/SWIFT

    8 or 11-char BIC required for cross-border (e.g. BRHAHTPP for BRH, SOGHHTPP for Sogebank). No domestic sort code.

  • Purpose-of-payment code (strongly advised)

    Free-text narrative; BRH does not publish a mandatory purpose-of-payment code list. Beneficiary bank may request additional KYC on inbound wires above local thresholds.

  • Beneficiary address

    Match the address template — partial addresses cause holds.

For your end users

Double-check the beneficiary's full name (no initials), account number, and bank SWIFT/BIC against what their bank has on file. International wires can take 1-5 business days and may be delayed by sanctions screening.

Last reviewed by GIB compliance on 2026-05-21. Reference material only.

  • Currency

    HTG

  • Typical settlement

    1-2 business days typical; longer for cross-border with FX or compliance review.

  • SWIFT BIC

    Required

  • Local clearing

    SPIH — Système de Paiement Interbancaire Haïtien (Banque de la République d'Haïti)

Account format

How beneficiary account numbers are structured for Haiti. Failure to match this format is the single most common reason wires are rejected at the destination.

Field Value
Format tier National format
Length Numeric, varies by bank (typically 10-16 digits). No BRH-mandated unified format. Sogebank, Unibank, BNC, BUH each use their own account-number schemes.
Validation regex ^[0-9]{6,16}$
Example 10012345678

Routing identifiers

Which routing codes the wire-creation API call must include for Haiti.

Field Value
SWIFT BIC Required
BIC/SWIFT Required
Format 8 or 11-char BIC required for cross-border (e.g. BRHAHTPP for BRH, SOGHHTPP for Sogebank). No domestic sort code.
Directory ↗ Source
Local clearing SPIH — Système de Paiement Interbancaire Haïtien (Banque de la République d'Haïti)

Address format

How Haiti expects the beneficiary address to appear on the wire. Free-form variations frequently trigger compliance holds.

  1. Recipient Full Name
  2. Rue/Street + Number
  3. HT + 4-digit Postal Code, City
  4. HAITI
Field Value
Postal code Optional — validated against the format below when provided
Postal code regex ^(HT)?\s?[0-9]{4}$
Example Jean-Claude Pierre, Rue Capois 15, HT 6110 Port-au-Prince, HAITI

Purpose of payment

Put a code from the ISO 20022 list in <Purp><Cd> (purpose_code). Requirement: Highly recommended GIB check: a missing or unexpected purpose is reported as a validation warning; the wire is not held.

Not yet confirmed

We have not yet confirmed this country's purpose-of-payment requirement against a central-bank or correspondent-bank source. Including a purpose is recommended. We update these guides as we confirm each country.

Field Value
Code format Free-text narrative; BRH does not publish a mandatory purpose-of-payment code list. Beneficiary bank may request additional KYC on inbound wires above local thresholds.

Operational notes

Field Value
Currencies accepted HTG
Typical settlement 1-2 business days typical; longer for cross-border with FX or compliance review.
Banking holidays ↗ Calendar

Known issues:

  • FATF grey-listed; Haiti deferred reporting at the Feb 2026 plenary so prior statements remain in effect. Correspondent banks typically apply enhanced due diligence (EDD).
  • Many correspondent banks have de-risked Haiti since the 2021-present security crisis; settlement may route through limited correspondent paths and take longer than other LATAM corridors.
  • No IBAN; no unified national account format.
  • BRH publishes a daily reference rate (weighted average of formal and informal market) used for HTG settlement of inbound USD wires.

Common rejection reasons

Documented patterns that cause this country's banks to return wires. Universal reasons (sanctions holds, missing BIC) aren't repeated here.

Beneficiary name mismatch (initials, abbreviations, punctuation, or transliteration differences from what the beneficiary bank has on file).
Account number format error (wrong length, wrong check digits, or non-standard characters).
Missing or invalid SWIFT/BIC code.
Insufficient remittance information (unclear economic reason for the payment).
Sanctions or compliance hold (OFAC / EU / UN / local screening).
Inbound wires must be paid in HTG at the BRH daily reference rate if beneficiary requests local-currency payout, even if sent in USD — currency-conversion rejection if beneficiary account is HTG-only.
Beneficiary name mismatch (Haitian names frequently include accented characters; SWIFT ASCII transliteration causes rejects).
USD-denominated beneficiary accounts must be USD-flagged; otherwise auto-converted to HTG.

Validate before you send

Check identifiers before you submit. The IBAN check runs in your browser (format plus the ISO 13616 MOD-97 check digit). GIB's API checks the IBAN format for countries where an IBAN is required. The BIC lookup searches GIB's BIC directory and needs a dashboard login.

BIC lookup

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References

First-party sources — central banks, FX regulators, ISO registries. Always re-verify against these before pushing volume to a new corridor.

Disclaimer

These country guides aggregate information from central banks, regulators, and industry-standard references. Global Innovations Bank reviews them on a rolling cadence and notes the verification date on each page. Payment-corridor rules change between releases, so we cannot guarantee continued accuracy.

Always verify against the primary sources linked in the References section before going live in a new corridor. Re-check applicable sanctions lists (OFAC, EU, UK, UN consolidated, and any state-level requirements) at the time of payment, since designations shift between our refreshes.

For fintech partners on GIB's sponsor-bank rails, these guides do not replace your BSA/AML, KYC, sanctions-screening, or transaction-monitoring obligations under your program agreement with GIB.

Nothing in this material constitutes legal, tax, or regulatory advice, and wire-acceptance decisions remain at the discretion of GIB Compliance and the destination bank.

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