If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

Sending money outside the UK or in a foreign currency

A 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 services are fast, efficient and secure. There’s a wide range of currencies to choose from when sending money too.

Sign in to make a payment

Fee free euro payments

You’ll no longer pay our fee for sending payments in euro. Other charges may apply. Find out more information.

Receive payments from outside the UK

You can also receive payments into your account from outside the UK or in a foreign currency. You’ll need your BIC and IBAN. See more information on where to find them.

24/7 payments

Make payments 24 hours a day, 7 days a week - payments are processed during normal banking hours.

Send up to £100,000

Maximum amount for payments made online is £100,000 per day.

Repeat payments

We store details securely of anyone you pay, so it's even simpler if you need to send money to them again.


How to send money outside the UK online

If you have a current account with us and you're registered for Internet Banking, you can simply log on to send money outside the UK.

Sign in online or on our Mobile app.

Create a new or select an existing recipient.

Choose currency and send money.

You'll need to have the following information to hand:

  • The recipients name and address (exact full name or company name)
  • The recipients IBAN (International Bank Account Number) or account number
  • Name and address of the recipients bank (exact full name)
  • For payments to the UK and EEA countries, the BIC (Business Identifier Code) / SWIFT code / clearing code
Sign in nowto Internet banking
  • Receiving a payment

    Payments can be made to your account in either pounds or foreign currency.

    For your payment to be transferred as quickly as possible, please ask the overseas bank to follow the instructions below.

    Where to send the payment - Quote the Lloyds Bank swift code which is LOYDGB2L (Lloyds Bank and Halifax are part of Lloyds Banking Group).

    Account details you should use - Your IBAN (International Bank Account Number) and BIC (Business Identifier Code) of the account you want crediting. These are the same as your sort code and account number but in a format recognized abroad.

    Where to find your IBAN and BIC - Sign in to Online Banking, select one of your bank or savings accounts from “Your Accounts” then click on the ‘View IBAN / BIC’ link.

    Alternatively use our mobile banking app to view your IBAN and BIC by selecting “Send bank details” on the more actions (three dot) menu next to the bank account you want to use. You can also use the app to share your bank details with the person sending you a payment, by pressing ‘share international details’.

    What fees apply?

    The following fees apply to electronic payments received from outside the UK or in a foreign currency. Payments in euro received from within the UK, EEA or via SEPA Credit Transfer are not charged these fees.

    Receiving a payment up to and including £100: £2†

    Receiving a payment of over £100: £7†

    We'll convert the money you've received into pounds on the day we pay it into your account using our standard exchange rate for sending money outside the UK or in a foreign currency.

    Please be aware that the bank sending the payment may use an agent bank to pass the payment on to Halifax. The agent bank may make a charge for their service, which will be deducted from the payment sent. This will reduce the payment Halifax receives.

    †This fee will not apply to payments in pounds received from a bank account within the EU to our Basic Account.

    Standard Exchange Rate

    The table below provides an indication of the current percentage difference between our standard exchange rate for sending money outside the UK or in a foreign currency and the rate at which we buy and sell currency in the foreign exchange markets (the wholesale rate).

    Standard Exchange Rate

    Payment Value in GBP

    Maximum current percentage difference between our standard exchange rate and the wholesale rate    

    Payment Value in GBP

    0 - £25,000

    Maximum current percentage difference between our standard exchange rate and the wholesale rate    

    3.55%

    Payment Value in GBP

    £25,000.01 - £75,000

    Maximum current percentage difference between our standard exchange rate and the wholesale rate    

    2.40%

    Payment Value in GBP

    £75,000.01 - £250,000

    Maximum current percentage difference between our standard exchange rate and the wholesale rate    

    2.00%

    Payment Value in GBP

    £250,000.01 and above

    Maximum current percentage difference between our standard exchange rate and the wholesale rate    

    1.50%

    The percentages outlined above are indicative, for more information only and can change at any time.

    Foreign Cheques

    Foreign Cheques

    Foreign currency
    cheques paid into
    your account

    No fee

    Negotiating or collecting a cheque - what's the difference?

    Negotiating - We will pay the amount of the cheque into your account on the working day after we receive it. If it is a foreign currency cheque we will convert it into pounds using our standard exchange rate for the payment.

    Collecting - We will pay the amount of the cheque into your account when we receive payment from the paying bank. The time this takes can vary depending on the paying bank or its country as we will send the cheque to them. We may use an agent to do this. When we receive payment from the paying bank, we will convert it to pounds, if applicable, using our standard exchange rate for the payment. You can ask us for details.

    Please visit one of our branches for more information on foreign currency cheques.

  • How long do payments take

    Your payment

    Cut-off time

    Your payment

    Payment in euro made through one of our branches or by Telephone Banking

    Cut-off time

    No earlier than 2pm and no later than 3pm

    Your payment

    Payment in a currency other than euro made through one of our branches or by Telephone Banking

    Cut-off time

    3pm

    Your payment

    Payment in any currency made through Online Banking

    Cut-off time

    3pm

    The table below gives you information about the time the payment will take to reach the recipient’s bank, provided you have given us the instruction on a working day before the cut off time:

    The time the payment will take to reach the recipient's bank

    Currency and destination

    Delivery times

    Currency and destination

    Payments in euro to the UK, an EEA country, Monaco, Switzerland or San Marino

    Delivery times

    No later than the next working day

    Currency and destination

    Payments in any other EEA currency / pounds / swiss francs to another EEA country

    Delivery times

    No later than four working days.

    Currency and destination

    Any currency to North America, Canada, South Africa, Australia, New Zealand, Middle East and the Far East

    Delivery times

    Should take no longer than 4 working days

    Currency and destination

    Any currency to any other country

    Delivery times

    Should take no longer than 14 working days

  • You can use our payments calculator to get an estimate of how much a payment will cost.

    To access this please sign in to Online Banking

    Sign in to Online Banking

    Our Payment Charges

    Our payment charges

    Payments in euro from your account

    no fee

    All other Payments from your account

    £9.50*

    Correspondent Bank Fee
    Zone 1 (USA, Canada and Europe (non-EEA))
    Zone 2 (Rest of the world)


    £12
    £20

    If you share the payment charges with the recipient, you will only pay our £9.50 Payment charge where applicable and the recipient will pay their bank’s charges and any agent bank charges that apply.

    You will share payment charges with the recipient when the payment is made:

    • in any currency using Online Banking; or
    • in any currency to a bank account in the UK or EEA; or
    • in any EEA currency or pounds to a bank account in Switzerland, Monaco or San Marino.

    If you make any other payment, you can choose either:

    a) to share charges; or

    b) to pay both our charge and the Correspondent Bank Fee (that replaces all agent bank charges). The recipient bank may charge its customer a fee but we cannot provide information about this. This payment type can only be made through one of our branches or Telephone Banking.

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

    Standard Exchange Rate

    Payments are processed using our standard exchange rate. The table below provides an indication of the current percentage difference between this rate and the rate at which we buy and sell currency in the foreign exchange markets (the wholesale rate).

    Current percentage difference

    Payment Value in GBP

    Maximum current percentage difference between our standard exchange rate for sending money outside the UK or in a foreign currency and the wholesale rate

    Payment Value in GBP

    0 - £25,000

    Maximum current percentage difference between our standard exchange rate for sending money outside the UK or in a foreign currency and the wholesale rate

    3.55%

    Payment Value in GBP

    £25,000.01 - £75,000

    Maximum current percentage difference between our standard exchange rate for sending money outside the UK or in a foreign currency and the wholesale rate

    2.40%

    Payment Value in GBP

    £75,000.01 - £250,000

    Maximum current percentage difference between our standard exchange rate for sending money outside the UK or in a foreign currency and the wholesale rate

    2.00%

    Payment Value in GBP

    £250,000.01 and above

    Maximum current percentage difference between our standard exchange rate for sending money outside the UK or in a foreign currency and the wholesale rate

    1.50%

    The percentages outlined above are indicative, for information only and can change at any time.

  • You can make payments up to the following amounts:

    Online: Send up to £100,000 per day through Internet Banking.

    In branch: There is no maximum limit.

    Mobile Branch: Send up to £100,000 per day through a Mobile Branch.

    Telephone Banking: Send up to £5,000 through Telephone Banking.

    Please note - The minimum payment amount is £1.01, whether made online, in branch including Mobile Branches or through Telephone Banking.

  • Why you need to give us your recipient’s BIC and IBAN

    When you make a payment to a recipient in the UK or EEA (European Economic Area), you need to provide us with the BIC and IBAN. If you don’t include them, we might not be able to process it.

    A number of other countries also request an IBAN. Please see our current list of countries requiring an IBAN.

    What is an IBAN?

    IBAN stands for ‘International Bank Account Number.’ IBANs identify banks according to international agreement. IBANs are mandatory for the UK and EEA (European Economic Area) countries. Each country has a different number of characters in their IBANs.

    This is an example of an IBAN for the United Kingdom:

    GB29NWBK60161331926819.

    An IBAN has four components and is a mixture of alpha and numeric characters:

    • an ISO country code
    • bank and branch identifier
    • beneficiary account number
    • two check digits.

    The two check digits in the IBAN help banks verify that your payment details are correct.

    When will the money be taken from my account?

    Money will only be taken from your account once we have processed your payment.

    Payments made before 3pm on a business day will be debited that same day. For payments made on or after 3pm on a business day, or at any time on a non-business day, your account will be debited on the next business day.

    How much does it cost to make a payment outside the UK or in a foreign currency?

    We do not charge our fee for sending payments in euro. Our fee for all other payments is £9.50*. If you share the charges for sending money outside the UK or in a foreign currency with the recipient, you will only pay the Halifax fee and the recipient will pay their bank’s charges and any agent bank charges that apply.

    If you choose to pay both our charge and all agent bank charges, you will pay our charge and the Correspondent Bank Fee that replaces all agent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. The amount of the Correspondent Bank Fee depends on the location of the recipient bank:

    Fee to make a payment outside the UK or in a foreign currency

    Zone

    Correspondent Bank Fee

    Zone

    Zone 1 (USA, Canada and Europe (non-EEA))

    Correspondent Bank Fee

    £12

    Zone

    Zone 2 (Rest of the world)

    Correspondent Bank Fee

    £20

    The exchange rate will depend on market exchange rates and the amount you send. You can use the Online Payments calculator to get a payment illustration, but please note that you’ll only see an estimated cost.

    Before a payment is confirmed online, the agreed and final rate will be shown.

    What if I make a payment request then want to change or cancel it?

    Sorry, you can’t change or cancel your payment transaction request online. Please call the International Helpdesk on 0345 982 5319 as soon as possible, Monday-Friday, 9am-5pm (Wednesdays from 9.45am). We can’t guarantee that we’ll be able to change or cancel the transaction. If we are able to change or cancel it for you, you may lose money through the differences in exchange rates.

    What if I make a payment request then find the recipient’s details I quoted are incorrect?

    Please call the International Helpdesk on 0345 982 5319 as soon as possible, Monday-Friday, 9am-5pm (Wednesdays from 9.45am). We can talk you through the options that you have. Please be aware that additional fees may apply.

    I don't want any bank charges to be taken from the money I send my recipient. How can I make sure that my recipient receives the exact amount of money I send them?

    There are some circumstances when you can choose to pay both our charge and all agent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. More details about charges for sending money outside the UK or in a foreign currency can be found in the ‘How much do payments cost’ section.

    Need more information on or help with charges for sending money outside the UK or in a foreign currency?

    If you need information about charges for sending money outside the UK or in a foreign currency, please call the International Helpdesk on 0345 982 5319 as soon as possible, Monday-Friday, 9am-5pm (Wednesdays from 9.45am). You can also visit your nearest branch.

    * This fee will not apply to payments in pounds received from a bank account within the EU to our Basic Account

Sign in online or download our mobile app to get started: