> ## Documentation Index
> Fetch the complete documentation index at: https://docs.agentcard.sh/llms.txt
> Use this file to discover all available pages before exploring further.

# create_withdrawal_recipient

> Save a bank account the user can withdraw to.

Saves a bank destination for [withdraw](/companies/mcp/tools/withdraw). The agent collects the details conversationally: US accounts use ACH (routing + account number), everywhere else uses an international wire (IBAN + SWIFT).

## Parameters

| Parameter          | Type   | Required  | Description                                                                                                                                      |
| ------------------ | ------ | --------- | ------------------------------------------------------------------------------------------------------------------------------------------------ |
| `type`             | string | Yes       | `ach` for US accounts, `international_wire` elsewhere.                                                                                           |
| `beneficiary_name` | string | Yes       | The account holder's legal name.                                                                                                                 |
| `country_code`     | string | Yes       | Two-letter country of the bank account, like `US` or `DE`.                                                                                       |
| `routing_number`   | string | ACH       | 9-digit ABA routing number.                                                                                                                      |
| `account_number`   | string | ACH       | The account number.                                                                                                                              |
| `account_type`     | string | ACH       | `checking` or `savings`.                                                                                                                         |
| `iban`             | string | Wire      | The IBAN (spaces are fine).                                                                                                                      |
| `swift_code`       | string | Wire      | The SWIFT/BIC code.                                                                                                                              |
| `bank_name`        | string | No        | Helps the team double-check the transfer.                                                                                                        |
| `nickname`         | string | No        | A label like `"Main account"` for picking between saved accounts.                                                                                |
| `country_specific` | object | Sometimes | Extra fields some countries require, like `{"ifsc": "..."}` for India or `{"clabe": "..."}` for Mexico. The error message names any missing key. |

## Returns

The saved destination with its `id` (`wrec_...`) and masked account details (last four digits only). Pass the `id` as `recipient_id` to [withdraw](/companies/mcp/tools/withdraw), or omit it there and the tool finds the saved accounts itself.

Bank details are treated as sensitive: they are masked in every response and never logged.

## Example

```json theme={null}
{
  "name": "create_withdrawal_recipient",
  "arguments": {
    "type": "international_wire",
    "beneficiary_name": "Alex Example",
    "country_code": "DE",
    "iban": "DE89 3704 0044 0532 0130 00",
    "swift_code": "DEUTDEFF",
    "nickname": "Main account"
  }
}
```