> ## 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 as a withdrawal destination for the user's cash balance.

Connect to `https://mcp.agentcard.sh/mcp` with the **user's connection token** (or a `buy_token` for org-owned accounts).

## What it does

Save a bank account as a withdrawal destination for the user's cash balance. Supports US bank accounts (ACH: routing + account number) and international bank accounts (SWIFT wire: IBAN + BIC). Ask the user for their bank details conversationally, then call this once. After saving, use withdraw to request a payout.

## Inputs

| Field                           | Type                                 | Description                                                                                                                                                                                                     |
| ------------------------------- | ------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `type` *(required)*             | string: `ach` · `international_wire` | ach for US bank accounts; international\_wire (SWIFT) for everywhere else.                                                                                                                                      |
| `beneficiary_name` *(required)* | string                               | The account holder's full legal name, exactly as the bank knows it.                                                                                                                                             |
| `country_code` *(required)*     | string                               | Two-letter country code of the account holder (e.g. 'US', 'DE').                                                                                                                                                |
| `routing_number`                | string                               | ACH only: 9-digit US routing number.                                                                                                                                                                            |
| `account_number`                | string                               | ACH only: US account number (4-17 digits).                                                                                                                                                                      |
| `account_type`                  | string: `checking` · `savings`       | ACH only: account type.                                                                                                                                                                                         |
| `iban`                          | string                               | International only: IBAN (e.g. DE89370400440532013000).                                                                                                                                                         |
| `swift_code`                    | string                               | International only: 8 or 11 character SWIFT/BIC.                                                                                                                                                                |
| `bank_name`                     | string                               | The recipient bank's name (recommended).                                                                                                                                                                        |
| `nickname`                      | string                               | A label for this account (e.g. 'My checking').                                                                                                                                                                  |
| `country_specific`              | object                               | Extra banking fields some countries require: \{"ifsc": "..."} for India, \{"clabe": "..."} for Mexico, \{"bsb": "..."} for Australia. Required for those countries; the validation error names the missing key. |

## Returns

| Field                  | Type   | Description                         |
| ---------------------- | ------ | ----------------------------------- |
| `message` *(required)* | string | Human-readable result or next step. |

## Example call

```json theme={null}
{
  "tool": "create_withdrawal_recipient",
  "arguments": {
    "type": "\u2026",
    "beneficiary_name": "\u2026",
    "country_code": "\u2026"
  }
}
```