🇵🇷 Sending to Puerto Rico¶
PR · PRI
National format SWIFT BIC required
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Required information¶
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.
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Currency
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Typical settlement
Same/next business day intra-zone; 1-2 days for non-zone correspondents.
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SWIFT BIC
Required
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Local clearing
Fedwire / FedNow (US Federal Reserve)
Account format¶
How beneficiary account numbers are structured for Puerto Rico. Failure to match this format is the single most common reason wires are rejected at the destination.
| Field | Value |
|---|---|
| Format tier | National format |
Routing identifiers¶
Which routing codes the wire-creation API call must include for Puerto Rico.
| Field | Value |
|---|---|
| SWIFT BIC | Required |
| Local clearing | Fedwire / FedNow (US Federal Reserve) |
Address format¶
How Puerto Rico expects the beneficiary address to appear on the wire. Free-form variations frequently trigger compliance holds.
- Recipient Full Name
- Street Number + Street Name
- Apartment/Unit (if applicable)
- City, PR Postal Code
- UNITED STATES
| Field | Value |
|---|---|
| Postal code | Optional — this country has no postal code format |
Operational notes¶
| Field | Value |
|---|---|
| Currencies accepted | USD |
| Typical settlement | Same/next business day intra-zone; 1-2 days for non-zone correspondents. |
| Banking holidays | ↗ Calendar |
Known issues:
- Puerto Rico is a US Commonwealth using USD and the US Federal Reserve payment systems. Wire instructions follow US conventions: 9-digit ABA routing number + account number, USD only. State code 'PR'.
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).
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.