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?

You can use our international payments calculator to get an estimate of how much a payment will cost. Please sign in to Online Banking to access this.

International Payment Fees

The Halifax International Payment fee is £9.50* regardless of the amount you send or the way you make the payment. If you share the international payment charges 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:

ZoneCorrespondent Bank Fee
Zone 1 (USA, Canada and Europe (non-EEA)) £12
Zone 2 (rest of the world) £20

You will share international 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 EEA; or
  •  in any EEA currency to a bank account in Switzerland, Monaco or San Marino.

Sharing the charges means you will pay our charge and the recipient will pay their bank’s charges and any agent bank charges that apply.

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

a) to share charges; or
b) to pay both our charge and all agent bank charges.

If you choose option b), you will pay 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 such a fee. This payment type can only be made through one of our branches or telephone banking.

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

International Payments Standard Exchange Rate

Payments are processed using our standard exchange rate for international payments. 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).

Payment Value in GBP

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

0 - £25,000 3.20%
£25,000.01 - £75,000 2.40%
£75,000.01 - £250,000 2.00%
£250,000.01 and above 1.50%

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

How long will my international payment take to arrive?

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 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:

Currency and destination

Delivery times

Payments in euro to another EEA country, Monaco, Switzerland or San Marino

No later than the next working day

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

Generally no later than four working days.

Any currency to any other country

Should take no longer than 14 working days

Payments in euro to another EEA country, Monaco, Switzerland or San Marino


Delivery times

No later than the next working day

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


Delivery times

Generally no later than four working days.

Any currency to any other country


Delivery times

Should take 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 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, 7 days a week.
In Branch

NOTE: There is no maximum limit when making an international payment in branch*

Call into your nearest branch and talk to us.


*Please note: The minimum international payment amount is £1.01 whether made Online, in Branch or through Telephone Banking.

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.

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.

International payment fees

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

Charges for receiving international electronic payments other than by SEPA credit transfer*
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 using our standard exchange rate for international payments.

Please be aware that the overseas 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.

* SEPA credit transfers are free of charge.
^ This charge will not apply to payments in sterling received from a bank account within the EU to our Basic Account.

International Payments Standard Exchange Rate

Payments are processed using our standard exchange rate for international payments. 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).

Payment Value in GBP

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

0 - £25,000 3.20%
£25,000.01 - £75,000 2.40%
£75,000.01 - £250,000 2.00%
£250,000.01 and above 1.50%

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


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.


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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