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

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 the International Payments terms & conditions.

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.

The table below tells you the maximum time the payment will take to reach the other persons bank provided you have given us the instruction on a working day before the 3pm cut off time.

Currency and destination Maximum delivery times
Euros to the EU, EEA, Monaco or Switzerland

Next working day 

Sterling, Swiss Francs and any other EEA currency to any EU or EEA country

4 working days 

Any other currency to non EU and EEA European countries, North America, Canada, South Africa, Australia, New Zealand, Middle East and the Far East.

4 working days

Any currency to any other countries 12 working days

Please be aware that online international payments made outside of normal market trading hours (7am-5pm Monday to Friday, excluding bank holidays) will include an additional outside of market trading hours premium, in the exchange rate offered.
This premium is not applied if you transact within normal market trading hours where exchange rates offered to you will be live and fluctuate in line with the markets.

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 £75,000 applies when sending International Payments via Online Banking.

Sign in to Online Banking and choose the bank account you wish to make a payment from. Click the 'UK & International Payments tab, then the 'International Payments' sub-tab 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:

  • 08457 20 30 40 in the UK
  • Or +44 113 242 2229 from outside the UK.

Lines open 8am to 8pm, 7 days a week

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 opens in new window)

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; select the relevant account from the “Your accounts” page, and then click on the ‘Show IBAN / BIC’ link.

IBAN - International Bank Account Number.
BIC - Bank 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

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 opens in new window)

Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

Send payments abroad online

Already an Online Banking customer?
Sign in to send money abroad from your current account.

Sign in

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.

Watch our international payments demo

Watch our international payments demo

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

View our interactive demo

Living overseas?

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