# Beneficiary management

The beneficiary management feature allows you to add or delete payment beneficiaries using Ripple Payments UI.

Note:
- This feature is currently **only** available to **Ripple Payments Direct** users.
- If you need your beneficiary to be paid out in different currencies, you need to create separate beneficiary entries for each currency. For example, if you want to pay out a beneficiary in `EUR` and `GBP`, you need to create one profile for this beneficiary where the payout currency is `EUR` and a second profile for the beneficiary where the payout currency is `GBP`.


## Add beneficiary

1. To add a beneficiary in Ripple Payments UI, click **Settings** > **Manage Beneficiaries** > **Add Beneficiary**.
2. Specify the payment destination, beneficiary details, and bank information.


Note:
Make sure that the information you provide is accurate. Once the new beneficiary is created, you can't edit any of the details. Instead, you'll have to delete the beneficiary and create a new one with the correct information.

### 1. Specify payment destination

Complete the following steps to specify a payment destination:

1. From the **Destination Country** drop-down list, select your beneficiary's destination country.
Supported destination countries and payout currencies| Destination Country | Payout Currency |
|  --- | --- |
| Austria | EUR |
| Belgium | EUR |
| Croatia | EUR |
| Czechia | EUR |
| Denmark | EUR |
| Estonia | EUR |
| Finland | EUR |
| France | EUR |
| Germany | EUR |
| Greece | EUR |
| Hungary | EUR |
| Iceland | EUR |
| Ireland | EUR |
| Italy | EUR |
| Lithuania | EUR |
| Luxembourg | EUR |
| Malta | EUR |
| Monaco | EUR |
| Netherlands | EUR |
| Norway | EUR |
| Poland | EUR |
| Portugal | EUR |
| Romania | EUR |
| Spain | EUR |
| Sweden | EUR |
| Switzerland | EUR |
| United Kingdom of Great Britain and Northern Ireland | EUR, GBP |
| Vietnam | VND |
2. **United Kingdom of Great Britain and Northern Ireland** only: From the **Payout Currency** field select either **EUR** or **GBP.** All other countries currently support only one payout currency, hence, the payout currency is pre-selected in those cases.
**Bank account** is currently the only supported payment method.
3. Click **Next**.


### 2. Specify beneficiary details

Complete the following steps to specify the beneficiary details:

1. Fill out the following fields:
| Field name | Description | Example |
|  --- | --- | --- |
| **Beneficiary Nickname** | A nickname for your beneficiary.**Note:** When you create a payment and select a beneficiary, this is the name that you'll see in the beneficiary drop-down list. | `Muster Germany` |
| **Business Legal Name** | The beneficiary's legal business name. | `Muster GmbH` |
| **Corporate Phone Number** | The beneficiary's business phone number including the country code. | `+49 4321 1234` |
| **Email** | The beneficary's business email address. | `tina@muster.de` |
| **Business Address** | The beneficiary's business street address. | `Musterstrasse 1` |
| **City** | The city in which the beneficiary's business is located. | `Musterstadt` |
| Only for certain countries: **State/County** | The state or country or province in which the beneficiary's business is located. | `Musterprovinz` |
| **Postal Code** | The postal code associated with the city in which the beneficiary's business is located. | `12345` |
| **Country of Incorporation** | The country in which the beneficiary's business is incorporated. | `Germany` |


br
1. Click **Next**.


### 3. Specify bank information

Complete the following steps to specify the beneficiary's bank information:

1. According to the payment destination, fill out the following fields:
Payment destination within the EEA or UK| Field name | Description | Example |
|  --- | --- | --- |
| **Organization ID Scheme** | Scheme used to identify the beneficiary's organization. The field value is always `Certificate of Incorporation Number`. | `Certificate of Incorporation Number` |
| **Organization ID** | Identification of the beneficiary organization assigned by a regulatory institution. | `muster` |
| **Bank Name** | Name of the bank where the beneficiary receives the payout. | `Deutsche Bank` |
| **Bank ID** | The issuer code that Ripple's payout partner requires for the specific payout method-country pair.For the correct Bank ID, see [Bank IDs](/products/payments-odl/user-interface/settings/bank-ids). | `490001` |
| **IBAN** | International Bank Identification Number (a combination of ISO country code, check digits, and the bank account number). | `DE12 3456 0000 1234 5678 90` |
| **Relationship to Sending Customer** | The relationship that the beneficiary has to the sending customer.The following options are available:`Business partner``Branch/Representative office``Customer``Subsidiary company``Holding company``Supplier``Franchisee/Franchisor` | `Customer` |
Payment destination Vietnam| Field name | Description | Example |
|  --- | --- | --- |
| **Organization ID Scheme** | Scheme used to identify the beneficiary's organization. The field value is always `Certificate of Incorporation Number`. | `Certificate of Incorporation Number` |
| **Organization ID** | Identification of the beneficiary organization assigned by a regulatory institution. | `sample` |
| **Bank Name** | Name of the bank where the beneficiary receives the payout. | `Vietinbank` |
| **Bank ID** | The issuer code that Ripple's payout partner requires for the specific payout method-country pair.For the correct Bank ID, see [Bank IDs](/products/payments-odl/user-interface/settings/bank-ids). | `840002` |
| **City of the  Bank** | The city in which the beneficiary's bank is located. | `Hanoi` |
| **State of the Bank** | The state or county or province in which the beneficiary's bank is located. | `Hanoi` |
| **Account Number** | The beneficiary's bank account number. | `1234 567 890` |
| **Relationship to Sending Customer** | The relationship that the beneficiary has to the sending customer.The following options are available:`Business partner``Branch/Representative office``Customer``Subsidiary company``Holding company``Supplier``Franchisee/Franchisor` | `Customer` |
2. Click **Finish**.Your beneficiary is created and is now available for selection when you create a payment.


### 4. View beneficiaries list

To confirm that the new beneficiary you created is available for selection when you create a new payment, view the list of beneficiaries by clicking **Settings**, and then **Manage Beneficiaries**.

## Delete beneficiary

To delete a beneficiary:

1. Click **Settings** > **Manage Beneficiaries**.
2. Locate the beneficiary you want to delete and next to its entry, click **Delete**.
3. In the **Delete Beneficiary** window, confirm that you want to delete the beneficiary by clicking **Confirm**.


Your beneficiary is now deleted from your beneficiary list and will no longer be available for selection when you create a new payment.