Help with sending or transferring money abroad

Do you have family overseas and want to send them money or you might even be working or buying a house abroad? Whatever the reason, our International Payments service is fast, efficient and secure.

What's more, setting up and sending money in different currencies is simple through our online banking service – just view our demo on how to make international payments.

Here’s a few pointers to bear in mind before setting up an international payment:

  • The recipient will need to be set up
  • 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 the list of countries that you will need an IBAN for.
    • For the rest of the world, the beneficiary name and bank details are needed.

And once you’ve set up a new recipient online we save the details so next time you don’t have to enter them again.

General information about our International Payments service

How much does it cost to make an International Payment?

When you make an International Payment online you’ll pay our fee, and the person receiving the payment pays all other charges. 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.

Requesting an exchange rate illustration

Our estimate gives you an idea of approximately how much foreign currency you could receive for your selected amount, plus our fee to send the payment.  Due to exchange rate variations, this is for illustrative purposes only and may not reflect the exchange rate you would receive at the time you actually send your payment.

To obtain an estimate of the payment value select your account from the 'My accounts' page. Select the ‘UK & International Payments’ tab and then ‘International Payments’.  Using the ‘International Payment Calculator’ select the country or currency and enter the amount you wish to pay and then click the ‘Get estimate’ button.

How long will my international payment take to arrive?

Once we have received your instruction to send an international payment, the table below tells you the maximum time the payment will take to reach the other person’s bank - provided you’ve given us the instruction on a working day before the 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

Creating and managing your International payments

Setting up payments to International banks 

From the 'My accounts' page select the account which you want to send the payment from.

Select the ‘UK & International Payments’ tab and then select ‘International Payments’.

If you know the BIC/SWIFT code:
Select ‘I know the BIC/SWIFT code’ then click ‘Continue’.

Enter the following details:

  • Recipients name
  • Recipients IBAN (International Bank Account Number) or the Recipients account number
  • Recipients bank Swift/BIC code.

If you don’t know the BIC/SWIFT code:
Select ‘I don’t have the BIC code’ then click ‘Continue’

Enter the following details:

  • Recipient’s name
  • Recipient’s IBAN (international Bank Account Number) or the Recipient’s account number
  • Recipient’s bank name and bank address

Check the details, enter your password to confirm your request and click ‘continue’.

We will contact you by phone for a quick security check using our Enhanced Internet Authentication. Select the number you would like to be contacted on and when prompted enter the on screen confirmation code. 

If you then wish to send the new Recipient a payment straight away, click ‘Make a payment’ on the confirmation screen.

Sending an existing international payment / transfer

From the 'My accounts' select the account which you want to send the payment from.

Select the ‘UK & International payments’ tab and click the 'Make a payment' link next to your existing recipient details.

From the ‘International payments’ page, select a currency from the drop down list. You’ll be shown the currency for the country you’re making a payment to.

Enter the amount you wish to send.

For payments and transfers, you can also provide optional additional information to help the recipient identify the purpose of the received funds, for example, the purchase of a particular plot of property.

Click the 'Continue' button.

Check the details, then click ‘Continue’

Read the international payments terms and conditions.  To proceed, tick the box to accept the terms and conditions, enter your password and click ‘continue’ to send the payment.

The reference number for your payment request is shown on the final 'Confirmation' page.  We suggest you print a copy of this page, or make a note of the reference number, for your records.

Once submitted, International payments cannot be stopped, amended or recalled.

Viewing existing international payments / transfers

From 'My accounts' select the account you wish to view.

Select the ‘UK & International Payments tab and then  select ‘International payments’.

Deleting international payments / transfers

From 'My accounts' select the account which you want to delete the payment from.

Select the ‘UK & International Payments tab and then select ‘International payments’. Next select the ‘Delete’ link next to your existing recipient.

Which country do I need a BIC/SWIFT and an IBAN for?

You’ll need to quote a BIC/SWIFT and IBAN, which is mandatory when sending International Payments to the following countries:

  • All EU and EEA countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and UK 
  • and also the following non EU and EEA countries: Andorra, Bahrain, Georgia, Greenland, Jordan, Kuwait, Lebanon, Macedonian, Montenegro, Moldova, Monaco, Pakistan, Palestine, Qatar, Saudi Arabia, Switzerland, Tunisia, Turkey, and United Arab Emirates.

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

Watch our international payments demo
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