International Payments.

A quick and secure way to send and receive money around the world.

Do you have family overseas and want to send them money? Or you could be working or buying a house abroad? Whatever the reason, our International Payment services are fast, efficient and secure. There’s choice of currencies to choose from when sending money.

You can also receive pound sterling or foreign currency into your Halifax account (subject to account conditions).

Sending money

How much do International payments cost?

We've one fee for sending money abroad regardless of whether you send it through Online Banking, over the phone or in your local branch. The fee is the same for every currency and for any amount of money.

International payment fee - £9.50*

* This fee will not apply to payments in sterling sent to a bank account within the EU from our Basic Account.

If you're sending payments in a currency other than euro, or if you're sending euro to a non-EEA country, a charge could be made by the overseas bank and any other bank involved in the transaction, including the beneficiary bank. This may result in the person receiving the payment receiving a lesser amount than you have sent, or these charges may be debited from their account separately. Other charging options are available in branch or via Telephone Banking. For more information, read your Bank Account Getting Started Guide.

How long will my international payment take to arrive?


The transferred money will reach the country you’re sending it to within two working days. The funds will often have to go through two banks in that country, including:

  • The recipient bank – this holds the account you’re sending the money to
  • The correspondent bank – this is a receiving bank in the same country that is involved in processing the transaction.

First, the money goes to the correspondent bank. Once there, it is subject to local banking practices and any differences in time zones. The money is then sent on to the recipient bank. How quickly this happens depends on a few factors such as the day and time it arrives at the correspondent bank.

Your payment

Cut-off time

International payment in euro made through one of our branches or by
Telephone Banking
No earlier than 2pm and no later than 3pm
International payment in a currency other than euro made through one of our branches or by Telephone Banking 3pm
International payment in any currency made through Online Banking
3pm

The table below tells you the maximum time the payment will take to reach the other persons bank:

Currency and destination

How long will the payment take to reach the payee’s bank after we take it from your account?

Payments in euro to another EEA country, Monaco or Switzerland

No later than the next working day

Payments in other EEA currencies / Swiss francs to another EEA country

No later than four working days.

Payments in euro to another EEA country, Monaco or Switzerland


How long will the payment take to reach the payee’s bank after we take it from your account?

No later than the next working day

Payments in other EEA currencies / Swiss francs to another EEA country


How long will the payment take to reach the payee’s bank after we take it from your account?

No later than four working days.

The payee’s bank must pay the funds into the payee’s account on the day it receives the payment from us.

Payments outside the EEA or in non-EEA currencies

You can ask us for details about how long the payment should take to arrive. We cannot control exactly when it will be received by the foreign bank. This will depend on the banking practice of that country but should be no longer than 14 working days.

What do I need to send an International payment?

Sending money overseas is simple – you’ll need the following information, depending on the destination:

  • The BIC/SWIFT code and the IBAN (this replaces the account number). Please refer to our help & guidance page for a list of countries that you will need an IBAN for.
  • For the rest of the world, the beneficiary name and bank details are needed.
How to send money abroad
Online Banking NOTE: A daily transaction limit of £100,000 applies when sending International Payments via Online Banking.

Sign in to Online Banking and select ‘More actions’ for the bank account you want to make a payment from. Then choose 'Make an international payment' from the 'Payments and transfers' section and follow the on-screen instructions.
Telephone Banking NOTE: A daily transaction limit of £5,000  applies when sending International Payments via Telephone Banking.

If you're registered for Telephone Banking, just call: Lines open 24 hours a day from 8am Monday to 4pm Saturday.
In Branch Call into your nearest branch and talk to us.

Foreign drafts - what is a foreign draft and how much does it cost?

A foreign draft is a bank draft (similar to a cheque) which you can use to send money abroad by post. Foreign drafts are available in all major currencies and will be issued and posted to your home address. Once you receive the foreign draft you can send the it to the recipient who will be able to pay it into their bank. They may not have access to the funds immediately and may need to wait for the cheque to be cleared. Foreign drafts cost £20 each and can only be ordered via branch.

View full International Payments Information (PDF)

Receiving money from abroad

Transfers to your Halifax account can be received in foreign currency or sterling. Payments received in foreign currency are converted into sterling and credited to your account. To ensure your funds are received as quickly as possible you must instruct the overseas bank to send funds via SWIFT (Society for Worldwide Interbank Financial Telecommunication).

There are three things the overseas bank should know - the bank’s SWIFT code, your IBAN and BIC. These will help process your transfer as quickly as possible:

  • SWIFT code: quote the Lloyds Bank swift code which is LOYDGB2L (Lloyds Bank and Halifax are part of Lloyds Banking Group).
  • IBAN and BIC: quote the IBAN and BIC of the account the money is to be sent to. The IBAN and BIC contain your sort code and account number in a format that is recognised abroad. To find your IBAN and BIC, sign in to Online Banking and select ‘View statement’ for the account you need the details for. You can then select the ‘View IBAN and BIC’ link under the account tile.

IBAN - International Bank Account Number.
BIC - Business Identifier Code.

The following fees apply when receiving international payments into your account:

Fees for receiving international payments
Payments into your account over £100 £7*
Payments into your account for £100 or less £2*

* This fee will not apply to payments in sterling recieved from a bank account within the EU to our Basic Account.

We'll convert the money you've received into pounds sterling on the day we pay it into your account.


View full International Payments Information (PDF)


Send payments abroad online

Already an Online Banking customer?

Sign in to send money abroad from your current account.

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New to Online Banking?

Register and start sending money abroad the easy way.

Register


To send money abroad through our Online Banking service, you'll need a Halifax current account. If you haven't got one yet, compare our current accounts and apply online.


How to make international payments

View our step-by-step guide for how to send money abroad. It's simple, fast and secure.


Send payments abroad online

You could benefit from free International Payments to the UK and elsewhere.


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