diff --git a/src/languages/de.ts b/src/languages/de.ts
index 34306beb7861..8d55fadd1c37 100644
--- a/src/languages/de.ts
+++ b/src/languages/de.ts
@@ -1935,14 +1935,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `${requiredDepositCurrency}-Bankkonto` : 'Bankkonto';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `Warten darauf, dass <strong>Sie</strong> ein Bankkonto hinzufügen.`;
+                        return `Warten darauf, dass <strong>Sie</strong> ein ${account} hinzufügen.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `Warten darauf, dass <strong>${actor}</strong> ein Bankkonto hinzufügt.`;
+                        return `Warten darauf, dass <strong>${actor}</strong> ein ${account} hinzufügt.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `Warten Sie darauf, dass ein Admin ein Bankkonto hinzufügt.`;
+                        return `Warten Sie darauf, dass ein Admin ein ${account} hinzufügt.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/el.ts b/src/languages/el.ts
index e134e25db620..f4b1b1ce3c74 100644
--- a/src/languages/el.ts
+++ b/src/languages/el.ts
@@ -1986,14 +1986,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `τραπεζικό λογαριασμό σε ${requiredDepositCurrency}` : 'τραπεζικό λογαριασμό';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `Αναμένουμε από <strong>εσάς</strong> να προσθέσετε έναν τραπεζικό λογαριασμό.`;
+                        return `Αναμένουμε από <strong>εσάς</strong> να προσθέσετε έναν ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `Αναμονή για να προσθέσει ο/η <strong>${actor}</strong> έναν τραπεζικό λογαριασμό.`;
+                        return `Αναμονή για να προσθέσει ο/η <strong>${actor}</strong> έναν ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `Αναμονή για να προσθέσει ένας διαχειριστής έναν τραπεζικό λογαριασμό.`;
+                        return `Αναμονή για να προσθέσει ένας διαχειριστής έναν ${account}.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/en.ts b/src/languages/en.ts
index 121fc986e4df..4b30bd18b7b4 100644
--- a/src/languages/en.ts
+++ b/src/languages/en.ts
@@ -2005,16 +2005,18 @@ const translations = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `${requiredDepositCurrency} bank account` : 'bank account';
                 // Disabling the default-case lint rule here is actually safer as this forces us to make the switch cases exhaustive
                 // eslint-disable-next-line default-case
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `Waiting for <strong>you</strong> to add a bank account.`;
+                        return `Waiting for <strong>you</strong> to add a ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `Waiting for <strong>${actor}</strong> to add a bank account.`;
+                        return `Waiting for <strong>${actor}</strong> to add a ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `Waiting for an admin to add a bank account.`;
+                        return `Waiting for an admin to add a ${account}.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/es.ts b/src/languages/es.ts
index 371c6b46fbb4..3a697fb5bdd5 100644
--- a/src/languages/es.ts
+++ b/src/languages/es.ts
@@ -1865,14 +1865,15 @@ const translations: TranslationDeepObject<typeof en> = {
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.NO_FURTHER_ACTION]: (_actor, _actorType, _eta, _etaType) => `¡No se requiere ninguna acción adicional!`,
-            [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_SUBMITTER_ACCOUNT]: (actor, actorType, _eta, _etaType) => {
+            [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_SUBMITTER_ACCOUNT]: (actor, actorType, _eta, _etaType, requiredDepositCurrency) => {
+                const account = requiredDepositCurrency ? `cuenta bancaria en ${requiredDepositCurrency}` : 'cuenta bancaria';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `Esperando a que <strong>tú</strong> añadas una cuenta bancaria.`;
+                        return `Esperando a que <strong>tú</strong> añadas una ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `Esperando a que <strong>${actor}</strong> añada una cuenta bancaria.`;
+                        return `Esperando a que <strong>${actor}</strong> añada una ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `Esperando a que un administrador añada una cuenta bancaria.`;
+                        return `Esperando a que un administrador añada una ${account}.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (actor, actorType, eta, etaType) => {
diff --git a/src/languages/fr.ts b/src/languages/fr.ts
index 5a0fffe8ae51..aeb357acf426 100644
--- a/src/languages/fr.ts
+++ b/src/languages/fr.ts
@@ -1940,14 +1940,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `compte bancaire en ${requiredDepositCurrency}` : 'compte bancaire';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `En attente que <strong>vous</strong> ajoutiez un compte bancaire.`;
+                        return `En attente que <strong>vous</strong> ajoutiez un ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `En attente que <strong>${actor}</strong> ajoute un compte bancaire.`;
+                        return `En attente que <strong>${actor}</strong> ajoute un ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `En attente qu’un administrateur ajoute un compte bancaire.`;
+                        return `En attente qu’un administrateur ajoute un ${account}.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/it.ts b/src/languages/it.ts
index f076c6de4aca..45d2107ec192 100644
--- a/src/languages/it.ts
+++ b/src/languages/it.ts
@@ -1931,14 +1931,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `conto bancario in ${requiredDepositCurrency}` : 'conto bancario';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `In attesa che <strong>tu</strong> aggiunga un conto bancario.`;
+                        return `In attesa che <strong>tu</strong> aggiunga un ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `In attesa che <strong>${actor}</strong> aggiunga un conto bancario.`;
+                        return `In attesa che <strong>${actor}</strong> aggiunga un ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `In attesa che un amministratore aggiunga un conto bancario.`;
+                        return `In attesa che un amministratore aggiunga un ${account}.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/ja.ts b/src/languages/ja.ts
index 55780501a9a5..49efb6d30a35 100644
--- a/src/languages/ja.ts
+++ b/src/languages/ja.ts
@@ -1911,14 +1911,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `${requiredDepositCurrency} 銀行口座` : '銀行口座';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `銀行口座の追加を<strong>お待ちしています</strong>。`;
+                        return `${account}の追加を<strong>お待ちしています</strong>。`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `<strong>${actor}</strong> が銀行口座を追加するのを待っています。`;
+                        return `<strong>${actor}</strong> が${account}を追加するのを待っています。`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `管理者が銀行口座を追加するのを待っています。`;
+                        return `管理者が${account}を追加するのを待っています。`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/nl.ts b/src/languages/nl.ts
index e7e2d31525a2..a5664e401d8d 100644
--- a/src/languages/nl.ts
+++ b/src/languages/nl.ts
@@ -1927,14 +1927,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `${requiredDepositCurrency} bankrekening` : 'bankrekening';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `Er wordt gewacht tot <strong>jij</strong> een bankrekening toevoegt.`;
+                        return `Er wordt gewacht tot <strong>jij</strong> een ${account} toevoegt.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `Wachten tot <strong>${actor}</strong> een bankrekening toevoegt.`;
+                        return `Wachten tot <strong>${actor}</strong> een ${account} toevoegt.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `Wachten tot een beheerder een bankrekening toevoegt.`;
+                        return `Wachten tot een beheerder een ${account} toevoegt.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/pl.ts b/src/languages/pl.ts
index 788e4181ba42..e9209d316ca5 100644
--- a/src/languages/pl.ts
+++ b/src/languages/pl.ts
@@ -1924,14 +1924,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `konto bankowe w ${requiredDepositCurrency}` : 'konto bankowe';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `Czekamy, aż <strong>dodasz</strong> konto bankowe.`;
+                        return `Czekamy, aż <strong>dodasz</strong> ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `Oczekiwanie, aż <strong>${actor}</strong> doda konto bankowe.`;
+                        return `Oczekiwanie, aż <strong>${actor}</strong> doda ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `Oczekiwanie na dodanie konta bankowego przez administratora.`;
+                        return `Oczekiwanie na dodanie ${account} przez administratora.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/pt-BR.ts b/src/languages/pt-BR.ts
index e73d30e85de0..d975295c8ca8 100644
--- a/src/languages/pt-BR.ts
+++ b/src/languages/pt-BR.ts
@@ -1921,14 +1921,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `conta bancária em ${requiredDepositCurrency}` : 'conta bancária';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `Esperando <strong>você</strong> adicionar uma conta bancária.`;
+                        return `Esperando <strong>você</strong> adicionar uma ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `Aguardando <strong>${actor}</strong> adicionar uma conta bancária.`;
+                        return `Aguardando <strong>${actor}</strong> adicionar uma ${account}.`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `Aguardando um administrador adicionar uma conta bancária.`;
+                        return `Aguardando um administrador adicionar uma ${account}.`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/languages/zh-hans.ts b/src/languages/zh-hans.ts
index 465271bac353..610cc23c01c9 100644
--- a/src/languages/zh-hans.ts
+++ b/src/languages/zh-hans.ts
@@ -1858,14 +1858,16 @@ const translations: TranslationDeepObject<typeof en> = {
                 actorType: ValueOf<typeof CONST.NEXT_STEP.ACTOR_TYPE>,
                 _eta?: string,
                 _etaType?: ValueOf<typeof CONST.NEXT_STEP.ETA_TYPE>,
+                requiredDepositCurrency?: string,
             ) => {
+                const account = requiredDepositCurrency ? `${requiredDepositCurrency} 银行账户` : '银行账户';
                 switch (actorType) {
                     case CONST.NEXT_STEP.ACTOR_TYPE.CURRENT_USER:
-                        return `正在等待<strong>你</strong>添加银行账户。`;
+                        return `正在等待<strong>你</strong>添加${account}。`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.OTHER_USER:
-                        return `正在等待 <strong>${actor}</strong> 添加银行账户。`;
+                        return `正在等待 <strong>${actor}</strong> 添加${account}。`;
                     case CONST.NEXT_STEP.ACTOR_TYPE.UNSPECIFIED_ADMIN:
-                        return `正在等待管理员添加银行账户。`;
+                        return `正在等待管理员添加${account}。`;
                 }
             },
             [CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_AUTOMATIC_SUBMIT]: (
diff --git a/src/libs/DebugUtils.ts b/src/libs/DebugUtils.ts
index 5d715ffccfec..003c1faa889b 100644
--- a/src/libs/DebugUtils.ts
+++ b/src/libs/DebugUtils.ts
@@ -565,6 +565,7 @@ function validateReportDraftProperty(key: keyof Report | keyof ReportNameValuePa
                 actorAccountID: 'number',
                 eta: 'object',
                 iconFill: 'string',
+                requiredDepositCurrency: 'string',
             });
         case 'tripData':
             return validateObject<ObjectElement<Report, 'tripData'>>(value, {
diff --git a/src/libs/NextStepUtils.ts b/src/libs/NextStepUtils.ts
index 3970d11b2fee..0d182f1fc403 100644
--- a/src/libs/NextStepUtils.ts
+++ b/src/libs/NextStepUtils.ts
@@ -84,7 +84,12 @@ function buildNextStepMessage(
         etaType = CONST.NEXT_STEP.ETA_TYPE.DATE_TIME;
     }
 
-    return `<next-step>${translate(`nextStep.message.${nextStep.messageKey}`, actor, actorType, eta, etaType)}</next-step>`;
+    const requiredDepositCurrency = nextStep.requiredDepositCurrency ? Str.htmlEncode(nextStep.requiredDepositCurrency) : undefined;
+    const message =
+        nextStep.messageKey === CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_SUBMITTER_ACCOUNT
+            ? translate('nextStep.message.waitingForSubmitterAccount', actor, actorType, eta, etaType, requiredDepositCurrency)
+            : translate(`nextStep.message.${nextStep.messageKey}`, actor, actorType, eta, etaType);
+    return `<next-step>${message}</next-step>`;
 }
 
 function doesReportContainTransactions(report: OnyxEntry<Report>): boolean {
diff --git a/src/types/onyx/Report.ts b/src/types/onyx/Report.ts
index 65949a422984..a7ae5e202968 100644
--- a/src/types/onyx/Report.ts
+++ b/src/types/onyx/Report.ts
@@ -83,6 +83,9 @@ type ReportNextStep = {
 
     /** The fill color of the icon */
     iconFill?: string;
+
+    /** Currency the submitter's deposit account must use for direct reimbursement, named in the waitingForSubmitterAccount copy */
+    requiredDepositCurrency?: string;
 };
 
 /** Model of report data */
diff --git a/tests/unit/NextStepUtilsTest.ts b/tests/unit/NextStepUtilsTest.ts
index 50f121ad024b..472abbb7ce8c 100644
--- a/tests/unit/NextStepUtilsTest.ts
+++ b/tests/unit/NextStepUtilsTest.ts
@@ -1079,6 +1079,31 @@ describe('libs/NextStepUtils', () => {
             expect(message).toBe('<next-step>Waiting for HiddenMarker to submit expenses.</next-step>');
         });
 
+        it.each([
+            {requiredDepositCurrency: CONST.CURRENCY.USD, expectedAccount: 'USD bank account'},
+            {requiredDepositCurrency: '<strong>USD</strong>', expectedAccount: '&lt;strong&gt;USD&lt;/strong&gt; bank account'},
+            {requiredDepositCurrency: undefined, expectedAccount: 'bank account'},
+        ])('renders the required deposit currency when it is available', ({requiredDepositCurrency, expectedAccount}) => {
+            const currentUserAccountID = 780071;
+            const nextStep: ReportNextStep = {
+                messageKey: CONST.NEXT_STEP.MESSAGE_KEY.WAITING_FOR_SUBMITTER_ACCOUNT,
+                icon: CONST.NEXT_STEP.ICONS.HOURGLASS,
+                actorAccountID: currentUserAccountID,
+                requiredDepositCurrency,
+            };
+            const translateWithDepositCurrency: LocalizedTranslate = (path, ...parameters) => {
+                if (path === 'nextStep.message.waitingForSubmitterAccount') {
+                    const currency = parameters.at(4);
+                    const account = typeof currency === 'string' ? `${currency} bank account` : 'bank account';
+                    return `Waiting for <strong>you</strong> to add a ${account}.`;
+                }
+                return translateLocal(path, ...parameters);
+            };
+
+            const message = buildNextStepMessage(nextStep, translateWithDepositCurrency, currentUserAccountID, formatPhoneNumber);
+            expect(message).toBe(`<next-step>Waiting for <strong>you</strong> to add a ${expectedAccount}.</next-step>`);
+        });
+
         it('uses the provided phone number formatter when resolving an SMS actor login', async () => {
             const phoneActorAccountID = 780071;
             const phoneActorLogin = '18332403628@expensify.sms';