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KeyNavigator Module for International ACH Transactions

The KeyNavigator ACH Module for IATs provides a simple, user-friendly method to send international payments. As long as all the necessary fields are completed, the module will help you complete a seamless transaction. Please note that occasionally, some fields that are not marked as mandatory may need to be completed. Submitting payments with all the details necessary will also help the payment make it through OFAC screening.

3.1 International ACH Transaction Countries

The following is a list of the current countries that will accept International ACH payments as of July, 2016.

NOTE: If an international payment needs to be sent to any country that is not in the list below, an international wire transfer should be used.


  • Austria
  • Finland
  • Luxembourg
  • Slovakia
  • Belgium
  • France
  • Malta
  • Slovenia
  • Canada
  • Germany
  • Mexico
  • Spain
  • Cyprus
  • Greece
  • Sweden
  • Czech Republic
  • Ireland
  • Poland
  • Denmark
  • Italy
  • Portugal
  • United Kingdom

3.2 Logging into KeyNavigator ACH

Begin submitting your International ACH Transaction in KeyNavigator, first login to KeyNavigator with your Logon ID and password. Then under the Payables section, select ACH.

IAT Navigation

After selecting ACH and entering your setup code, you will be taken to the Payment Management screen.

  • From here you can create an International ACH by clicking Create Payment at the bottom of the screen.

IAT Payment Management

The next screen to appear will be the Payment Information screen, from which you will select International ACH Transaction as the Payment Type. Please note, there will be a different international payment type for each country to which you are able to make payments. Then click Continue.

IAT Create Payment Type

3.3 Information needed to submit an International ACH Transaction in KeyNavigator

The following screenshots provide a quick reference for what information needs to be submitted for a successful International ACH payment. In addition to the details found in the screenshots on the following pages, any fields marked with a red asterisk (*), are required fields that must be completed.

In most instances, either the state or province field should be completed - not both, depending on the receiver’s country. The postal code field should also be completed when the receiver has an applicable ZIP or postal code.

International ACH Transaction

International ACH Transaction

Please note, some countries may require different account and routing number formats for electronic payments. If these are not entered correctly, your payment may be returned. This is the primary reason why KeyBank strongly recommends you send a nominal value test payment to the receiver before making your first official payment.

Finally, please be aware that even if you submit information in the remittance field, the receiving bank may not pull this information through.

3.4 International ACH Transaction Bank Code Input Guide

Each country has their unique way of basing payments which is very different from the United States’ standard nine digit bank routing number. There are lookups available when you are submitting the IAT in KeyNavigator, but it is a good practice to be familiar with the Country Input Guide below.

International ACH Transaction Bank Code Input Guide