{
  "id": "banking/singapore-fast-ibg-iban-error",
  "signature": "AI tells a Singapore user that they can transfer to an EU account using FAST/PayNow without IBAN, ignoring SWIFT/IBAN routing requirements for SEPA",
  "signature_zh": "AI 告诉新加坡用户他们可以使用 FAST/PayNow 向欧盟账户转账而无需 IBAN，忽略了 SEPA 所需的 SWIFT/IBAN 路由要求",
  "regex": "(?:FAST|PayNow)\\s+(?:transfer|payment)\\s+(?:to|from)\\s+EU\\s+(?:account|iban)",
  "domain": "banking",
  "category": "protocol_error",
  "subcategory": null,
  "root_cause": "Singapore's FAST and PayNow are domestic real-time payment systems that only support local bank codes and account numbers; for SEPA transfers to EU accounts, a valid IBAN and BIC/SWIFT code are mandatory as per EPC rulebook 2023.",
  "root_cause_type": "generic",
  "root_cause_zh": "新加坡的 FAST 和 PayNow 是仅支持本地银行代码和账号的国内实时支付系统；根据 EPC 2023 年规则手册，向欧盟账户进行 SEPA 转账必须提供有效的 IBAN 和 BIC/SWIFT 代码。",
  "versions": [
    {
      "version": "FAST API v2.1",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "PayNow Proxy v1.3",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "SEPA Credit Transfer Scheme 2023",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    },
    {
      "version": "ISO 20022 pain.001.001.11",
      "introduced": null,
      "deprecated": null,
      "removed": null,
      "behavior_change": null,
      "status": "active"
    }
  ],
  "os_specific": {},
  "dead_ends": [
    {
      "action": "",
      "why_fails": "Using a local bank code (e.g., DBS 7171) instead of IBAN — the EU receiving bank rejects because SWIFT network requires IBAN for routing",
      "fail_rate": 0.65,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Assuming PayNow proxy (mobile number/NRIC) works for cross-border — PayNow is domestic only, no international routing",
      "fail_rate": 0.55,
      "condition": "",
      "sources": []
    },
    {
      "action": "",
      "why_fails": "Converting SGD to EUR at sender's bank without IBAN — the transfer gets stuck in intermediary bank due to missing beneficiary identifier",
      "fail_rate": 0.45,
      "condition": "",
      "sources": []
    }
  ],
  "workarounds": [
    {
      "action": "Use SWIFT transfer via the bank's international payment portal: provide recipient's full IBAN (e.g., DE89370400440532013000) and BIC (e.g., COBADEFF). Example DBS remittance command: `dbs remit --currency EUR --iban DE89370400440532013000 --bic COBADEFF --amount 1000`",
      "success_rate": 0.82,
      "how": "Use SWIFT transfer via the bank's international payment portal: provide recipient's full IBAN (e.g., DE89370400440532013000) and BIC (e.g., COBADEFF). Example DBS remittance command: `dbs remit --currency EUR --iban DE89370400440532013000 --bic COBADEFF --amount 1000`",
      "condition": "",
      "sources": []
    },
    {
      "action": "Use a multi-currency digital wallet like Wise or Revolut that auto-converts IBANs: paste recipient's IBAN, system validates BIC and routes via SEPA",
      "success_rate": 0.91,
      "how": "Use a multi-currency digital wallet like Wise or Revolut that auto-converts IBANs: paste recipient's IBAN, system validates BIC and routes via SEPA",
      "condition": "",
      "sources": []
    },
    {
      "action": "Contact recipient to obtain IBAN and BIC from their EU bank statement; use FAST only for domestic Singapore transfers (SGD, local account)",
      "success_rate": 0.75,
      "how": "Contact recipient to obtain IBAN and BIC from their EU bank statement; use FAST only for domestic Singapore transfers (SGD, local account)",
      "condition": "",
      "sources": []
    }
  ],
  "workarounds_zh": [
    "通过银行的国际支付门户使用 SWIFT 转账：提供收款人的完整 IBAN（例如 DE89370400440532013000）和 BIC（例如 COBADEFF）。示例 DBS 汇款命令：`dbs remit --currency EUR --iban DE89370400440532013000 --bic COBADEFF --amount 1000`",
    "使用支持自动转换 IBAN 的多币种数字钱包（如 Wise 或 Revolut）：粘贴收款人的 IBAN，系统验证 BIC 并通过 SEPA 路由",
    "联系收款人从其欧盟银行对账单获取 IBAN 和 BIC；仅将 FAST 用于新加坡国内转账（SGD，本地账户）"
  ],
  "transition_graph": {
    "leads_to": [],
    "preceded_by": [],
    "frequently_confused_with": []
  },
  "official_doc_url": "https://www.abs.org.sg/industry-guidelines/fast",
  "official_doc_section": null,
  "error_code": null,
  "verification_tier": "ai_generated",
  "confidence": 0.85,
  "fix_success_rate": 0.78,
  "resolvable": "partial",
  "first_seen": "2024-03-15",
  "last_confirmed": "2024-06-01",
  "last_updated": "2024-06-01",
  "evidence_count": 1,
  "tags": [],
  "locale": "en",
  "aliases": []
}