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  • Published on: 16 February 2023
  • Last edited on: 16 October 2024
What can we help you find? Products Coupa Product Documentation Supplier Resources For Suppliers Getting Started with the Coupa Supplier Portal Set Up the CSP Financial Setup Account Validation Requirements for Supplier Payment Accounts

Account Validation Requirements for Supplier Payment Accounts

Review the minimum requirements for creating your remit-to account for payments.

When you create a remit-to account, you often need to complete banking information. This article describes the minimum requirements for setting your bank account for payment, but your customer may require additional information to be provided to them for confirming the validity of your account. All bank account remit-to details must be approved by your customer prior to receiving payment to them. For more information about remit-to accounts, see View and Manage Remit-to Information.

Required Information

The table below outlines the required information for remit-to accounts according to the account country and currency. Here are a few tips for understanding the information you provide when configuring your accounts:

  • Bank Account Country and Bank Account Currency determine what other fields are required and the format of some of those other numbers.
  • Account Number / IBAN: The number of digits varies for different banking systems across the world. Hover over the information icon for guidance on length.
  • Transit Code: Depending on country and currency combination, this can be Routing Number, Bank Code, BSB, IFSC, Sort Code, or Transit/Institution Number.
  • SWIFT / BIC Code: The Society of Worldwide Interbank Financial Telecommunication (SWIFT) code or Business Identifier Code (BIC) has 8 or 11 alphanumeric characters (first 6 must be letters) and is required to receive money internationally.
  • Phone Number: The country code is required and must match the selected country.
  • Depending on the country and currency combination, additional information might be required (in other words, Tax ID, Contact Information).
  • Do not use dashes (hyphens) in account numbers, routing numbers, sort codes or other fields.
Tip

To avoid additional wire and banking fees, set your bank account currency to match your home country currency. Your invoice currency must match the currency of your bank account to process payments successfully. 

Country/Currency Required information

Argentina (ARS)

Argentina (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: Up to 22 digits
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Tax ID
  • Phone Number

Armenia (AMD)

Armenia (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: (3 digit bank code is required in front of all account numbers)
  • SWIFT / BIC Code:  8 or 11 alphanumeric characters. First 6 characters must be letters.

Australia (AUD)

Australia (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: Up to 9 digits
  • Routing (bank code) number: The 6 digit Bank State Branch (BSB) code used to identify the bank's state and branch.
  • SWIFT/BIC code is optional

Austria (EUR)

Austria (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 20 alphanumeric characters
  • SWIFT/BIC code is required

Bahamas (BSD)

Bahamas (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Bahrain (BHD)

Bahrain (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 22 chars
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.

Bangladesh (BDT)

Bangladesh (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: Up to 17 digits
  • Bank Code: 9 digits
  • SWIFT / BIC Code:  8 or 11 alphanumeric characters. First 6 characters must be letters.


Belgium (EUR)

Belgium (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 16 alphanumeric characters
  • SWIFT/BIC code is required

Bolivia (BOB)

Bolivia (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.
Brazil (BRL)
  • Legal Name
  • Bank Name
  • IBAN: 29 alphanumeric characters
  • Remit-to contact number
  • Tax ID
  • Remit-to contact email address
  • SWIFT/BIC code is required
Brazil (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 29 alphanumeric characters
  • SWIFT/BIC code is optional

Bulgaria (BGN)

Bulgaria (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 22 alphanumeric characters
  • SWIFT/BIC code is required

Cambodia (KHR)

Cambodia (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.
Canada (CAD)
  • Legal Name
  • Bank Name
  • Account number: 7 to 12 digits
  • Routing (bank code) number: This number is comprised of a leading 0 + the 3-digit bank code (institutional number) + the 5-digit branch transit number to create a 9-digit routing number.  For example: bank code: YYY, branch transit number: XXXXX = 0YYYXXXXX routing number.
  • SWIFT/BIC code is optional
Canada (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 7 to 12 digits
  • Routing (bank code) number: This is the Transit Transit/Institution Number. The 5-digit branch transit number is concatenated with the 3-digit institution number to make the 8-digit transit code.
  • SWIFT/BIC code is optional

Cayman Islands (KYD)

Cayman Islands (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: No specific length
  • SWIFT / BIC Code: Optional. 8 to 11 alphanumeric characters. First 6 characters must be letters.

Chile (CLP)

Chile (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: No specific length
  • SWIFT / BIC Code: Optional. 8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Tax ID
  • Phone number

China (CNY)
  • Legal Name
  • Bank Name
  • Account Number: 4 - 28 digits
  • Remit-to Contact Number

China (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: 4 - 28 digits
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.

Colombia (COP)

Colombia (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 1 to 20 digits
  • Routing (bank code) number: Select Bank Code, and then one of these options
    • Código de Compensación Electrónica: The Colombian Banking Codes, which are used to clear funds and/or route payments in Colombia and consist of 2 digits (example: 01).
    • Tipo Código: The bank identifier used to clear funds and/or route payments in Colombia, which consists of five digits (example: 30001).
  • SWIFT/BIC code is optional

Costa Rica (CRC)

Costa Rica (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 22 alphanumeric characters
  • SWIFT / BIC Code: Optional. 8 to 11 alphanumeric characters. First 6 characters must be letters

Cyprus (EUR)
  • Legal Name
  • Bank Name
  • IBAN: 28 alphanumeric characters
  • SWIFT / BIC Code: Optional. 8 to 11 alphanumeric characters. First 6 characters must be letters.

Cyprus (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 28 alphanumeric characters
  • SWIFT / BIC Code: Optional. 8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Tax ID

Croatia (HRK)

Croatia (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 21 alphanumeric characters
  • SWIFT/BIC code is optional

Czechia (CZK)

Czechia (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 24 alphanumeric characters
  • SWIFT/BIC code is required

Denmark (DKK)

Denmark (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 18 alphanumeric characters
  • SWIFT/BIC code is required

Egypt (EGP)

Egypt (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: Up to 17 digits
  • IBAN: 29 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Estonia (EUR)

Estonia (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 20 alphanumeric characters
  • SWIFT/BIC code is required

Finland (EUR)

Finland (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 18 alphanumeric characters
  • SWIFT/BIC code is required

France (EUR)

France (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 27 alphanumeric characters
  • SWIFT/BIC code is required

 Germany (EUR)

Germany (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 22 alphanumeric characters
  • SWIFT/BIC code is required

Ghana (GHS)

Ghana (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • SWIFT / BIC Code:  8 or 11 alphanumeric characters. First 6 characters must be letters.

Greece (EUR)

Greece (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 27 alphanumeric characters
  • SWIFT/BIC code is required

Guatemala (GTQ)

Guatemala (USD)
  • Legal Name
  • Bank Name
  • Account Number
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Tax ID

Guernsey (GBP)

Guernsey (non-domestic)

Note: This is supported in the Coupa platform, but not in the Coupa Supplier Portal.
  • Legal Name
  • Bank Name
  • Account Number: 8 digits
  • Sort Code: 6 digits made up of the bank code and branch code. The first 2 digits are the bank code with the last 4 being the branch code.
  • SWIFT / BIC Code:  Optional. 8 or 11 alphanumeric characters. First 6 characters must be letters.

Hong Kong (HKD)

Hong Kong (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 12 digits. The first 3 digits are used to identify the branch code, with the next 3-6 digits used to identify the account number.
  • SWIFT/BIC code is required

Hungary (HUF)

Hungary (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 28 alphanumeric characters
  • SWIFT/BIC code is required

Iceland (ISK)

Iceland (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 26 alphanumeric characters
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

India (INR)

India (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 9 to 18 digits
  • Routing (bank code) number: This is the Indian Financial System Code (IFSC). The Bank/Branch Number is used to clear funds and/or route payments in India and consists of 11 characters. The first 4 characters represent the bank, followed by 0 and then 6 characters for the branch.
  • SWIFT/BIC code is optional

Indonesia (IDR)

Indonesia (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 1 to 34 digits
  • Bank code: This is the Clearing Code used to clear funds/route payments in Indonesia and consists of 7 digits.
  • SWIFT/BIC code is optional

Ireland (EUR)

Ireland (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 22 alphanumeric characters
  • SWIFT/BIC code is required

Israel (ILS)

Israel (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 22 alphanumeric characters
  • SWIFT/BIC code is required

Italy (EUR)

Italy (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 27 alphanumeric characters
  • SWIFT/BIC code is required

Isle of Man (GBP)

Isle of Man (non-domestic)

Note: This is supported in the Coupa platform, but not in the Coupa Supplier Portal.
  • Legal Name
  • Bank Name
  • Account Number: 8 digits
  • Sort Code: 6 digits made up of the bank code and branch code. The first 2 digits are the bank code with the last 4 being the branch code.
  • SWIFT / BIC Code:  Optional. 8 or 11 alphanumeric characters. First 6 characters must be letters.

 Japan (JPY)

Japan (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 7 digits
  • The Zengin Code is used to clear funds and/or route payments in Japan and consists of seven digits (a 4 digit bank code followed by a 3 digit branch code).
  • SWIFT/BIC code is required

Jersey (GBP)

Jersey (non-domestic)

Note: This is supported in the Coupa platform, but not in the Coupa Supplier Portal.
  • Legal Name
  • Bank Name
  • Account Number: 8 digits
  • Sort Code: 6 digits made up of the bank code and branch code. The first 2 digits are the bank code with the last 4 being the branch code.
  • SWIFT / BIC Code:  Optional. 8 or 11 alphanumeric characters. First 6 characters must be letters.

Jordan (JOD)

Jordan (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 30 chars
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.

Kazakhstan (KZT)

Kazakhstan (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 20 chars
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.

Kenya (KES)

Kenya (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: 10/12 or 15 alphanumeric characters
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Tax ID

Latvia (EUR)

Latvia (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 21 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Liechtenstein (CHF)

Liechtenstein (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 21 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Lithuania (EUR)

Lithuania (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 20 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Luxembourg (EUR)

Luxembourg (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 20 alphanumeric characters
  • SWIFT/BIC code is required

Malaysia (MYR)
  • Legal Name 
  • Bank Name
  • Account Number: 1 to 34 characters 
  • Bank Code: The Bank/Branch Code consists of seven digits.
  • Remit-to Contact Phone Number

Malaysia (non-domestic)
  • Legal Name 
  • Bank Name
  • Account Number: 
  • SWIFT / BIC Code: Optional. 8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Tax ID

Malta (EUR)

Malta (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 31 alphanumeric characters
  • SWIFT/BIC code is required

Mexico (MXN)

Mexico (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 18 digits. CLABE format (18 digits): 3-digit Bank Code, 3-digit Branch Code, 11-digit Account Number, and 1 Control digit.
  • Bank code: This is the Mexico-ABM Bank/Locality Number and consists of 6 digits.
  • SWIFT/BIC code is required

Monaco (EUR)

Monaco (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 27 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Morocco (MAD)

Morocco (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: 24 RIB digits [bank code (3); location code (3); account number (16); check digits (2)]
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Mauritius (MUR)

Mauritius (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 30 alphanumeric characters
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.

Netherlands (EUR)

Netherlands (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 18 alphanumeric characters
  • SWIFT/BIC code is required

New Zealand (NZD)

New Zealand (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 10 digits. 7-digit Beneficiary Account number and the 3-digit Beneficiary Account Suffix.
  • BSB: The New Zealand Bank Code consists of 6 digits.
  • SWIFT/BIC code is optional

Nigeria (NGN)

Nigeria (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: 10 digits
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

North Macedonia (MKD)

North Macedonia (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 19 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Norway (EUR)

Norway (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 15 alphanumeric characters
  • SWIFT/BIC code is required

Oman (OMR)

Oman (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Pakistan (PKR)

Pakistan (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 24 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Tax ID
  • Phone Number

Panama (PAB)

Panama (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • Bank Code
  • SWIFT

Peru (PEN)

Peru (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: 20 digits CCI
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.

Philippines (PHP)
  • Legal Name
  • Bank Name
  • Account Number
  • Bank Code
  • SWIFT
  • Remit-to Contact Number

Philippines (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • Bank Code
  • SWIFT

Poland (PLN)

Poland (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 28 alphanumeric characters
  • SWIFT/BIC code is required

Portugal (EUR)

Portugal (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 25 alphanumeric characters
  • SWIFT/BIC code is required

Puerto Rico (USD)

Puerto Rico (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • Bank Code: The Transit Code consists of 9 digits.
  • SWIFT

Qatar (QAR)

Qatar (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 29 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Romania (RON)

Romania (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 24 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

San Marino (EUR)

San Marino (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 27 chars
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.

Saudi Arabia (SAR)

Saudi Arabia (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 24 digits
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Serbia (RSD)

Serbia (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • Bank Code
  • SWIFT

Singapore (SGD)

Singapore (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: Up to 15 digits. Account number should not have leading zeros.
  • SWIFT/BIC code is required

Slovakia (EUR)

Slovakia (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 24 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Slovenia (EUR)

Slovenia (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 24 chars
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

South Africa (ZAR)

South Africa (non-domestic)
  • Legal Name
  • Bank Name
  • Account number: 1 to 11 or 13 characters. Account number should not have leading zeros.
  • Bank code: The Bank/Branch Number, which is used to clear funds and/or route payments in South Africa, Lesotho, Swaziland, and Namibia and consists of six digits.
  • Remit-to contact phone number
  • SWIFT/BIC code is required

Spain (EUR)

Spain (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 24 alphanumeric characters
  • SWIFT/BIC code is required

Sweden (SEK)

Sweden (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 24 alphanumeric characters
  • SWIFT/BIC code is required

Switzerland (CHF)

Switzerland (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 21 alphanumeric characters
  • SWIFT/BIC code is required

Taiwan (TWD)

Taiwan (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: 1-34 alphanumeric characters
  • Bank Code: Consists of 3 digits representing the bank code followed by the 4 numeric digits representing the branch code (some of the bank codes contain the letter “R” which stands for Representative Office).
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Remit-to Contact Phone Number

Thailand (THB)
  • Legal Name
  • Bank Name
  • Account Number: up to 11 digits
  • Bank Code: 7 digits
  • Remit-to Contact Phone Number

Thailand (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number: up to 11 digits
  • Bank Code: 7 digits
  • SWIFT / BIC Code: 8 to 11 alphanumeric characters. First 6 characters must be letters.
  • Remit-to Contact Phone Number

Turkey (TRY)

Turkey (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 26 alphanumeric characters
  • SWIFT/BIC code is required

Uganda (UGX)

Uganda (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • SWIFT / BIC Code:  8 or 11 alphanumeric characters. First 6 characters must be letters.

Ukraine (UAH)

Ukraine (non-domestic)
  • Legal Name
  • Bank Name
  • IBAN: 29 chars
  • SWIFT / BIC Code: Optional. 8 to 11 alphanumeric characters. First 6 characters must be letters.

United Arab Emirates (AED)

United Arab Emirates (non-domestic)
  • Account number: 13-16 digits
  • IBAN: 23 alphanumeric characters
  • SWIFT/BIC code is optional
United Kingdom (GBP)
  • Account number: 8 digits
  • Sort Code: 6 digits made up of the bank code and branch code. The first 2 digits are the bank code, with the last 4 being the branch code.
  • SWIFT/BIC code is optional
United Kingdom (non-domestic
  • IBAN: 22 alphanumeric characters
  • SWIFT/BIC code is required

United States (USD)

United States (non-domestic
  • Account number: Up to 17 digits
  • Routing number: ACH Routing Number which consists of 9 digits
  • Bank branch address
  • SWIFT/BIC code is optional

Uruguay (UYU)

Uruguay (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number
  • SWIFT / BIC Code:  8 to 11 alphanumeric characters. First 6 characters must be letters.

Vietnam (VND)

Vietnam (non-domestic)
  • Account number: 1 to 34 alphanumeric characters
  • Bank code: The CITAD code consists of 8 digits. The first 2 digits represent the Region Code, followed by 3 digits that represent the Bank Code. The next 3 digits identify the Branch.
  • SWIFT/BIC code is optional

Zambia (ZMW)

Zambia (non-domestic)
  • Legal Name
  • Bank Name
  • Account Number:
  • Bank Code: 6 digits
  • SWIFT / BIC Code: Optional. 8 to 11 alphanumeric characters. First 6 characters must be letters