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Help with sending money outside the UK

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

We need you to quote a BIC/SWIFT and IBAN when sending payments to the following countries:

  • The UK and all EU and EEA countries: Albania, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Guernsey, Hungary, Iceland, Republic of Ireland, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden
  • and also the following countries: Andorra, Bahrain, Faroe Islands, Georgia, Gibraltar, Greenland, Isle of Man, Israel, Jordan, Kosovo, Kuwait, Lebanon, Macedonia, Montenegro, Moldova, Monaco, Pakistan, Palestine, Qatar, San Marino, Saudi Arabia, Serbia, Switzerland, Tunisia, Turkey, and United Arab Emirates.

How to send money outside the UK or in a foreign currency

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

View step by step guideon sending money outside the UK

Reason for payment

As part of their regulations banks in certain countries including Jordan, Pakistan, Philippines and United Arab Emirates require a reason for your payment.

Below is a list of valid reasons for payment. Please choose a code and copy it into “Payment reference for recipient” box if you are making a payment to one of these countries.

You must ensure you provide a reason for payment to avoid any delays.

  • Reason for payment to Jordan

    Code / Purpose

    Code / Purpose

    0101 Invoice Payment & Purchase

    Code / Purpose

    0102 Utility Bill Payment

    Code / Purpose

    0103 Prepaid Cards Recharging

    Code / Purpose

    0104 Standing Orders

    Code / Purpose

    0105 Personal Donations

    Code / Purpose

    0106 Family Assistance and Expenses

    Code / Purpose

    0107 Individual Social Security Subscription

    Code / Purpose

    0108 Associations Subscriptions

    Code / Purpose

    0109 Saving and Funding Account

    Code / Purpose

    0110 Heritance

    Code / Purpose

    0111 End of Service indemnity

    Code / Purpose

    0201 Public Sector Employees Salaries   

    Code / Purpose

    0202 Labourers Salaries

    Code / Purpose

    0203 Private Sector Staff Salaries

    Code / Purpose

    0204 Jordanian Diplomatic Staff Salaries

    Code / Purpose

    0205 Foreign Diplomatic Salaries

    Code / Purpose

    0206 Overseas Incoming Salaries

    Code / Purpose

    0207 Civil / Military Retirement Salaries

    Code / Purpose

    0208 Social Security Retirement Salaries

    Code / Purpose

    0209 Establishment Social Security Subscription

    Code / Purpose

    0301 Investment Revenues

    Code / Purpose

    0302 Brokerage Investment

    Code / Purpose

    0303 Insurance

    Code / Purpose

    0304 Subscriptions to international nonmonetary organisations

    Code / Purpose

    0305 Local Investment

    Code / Purpose

    0306 External Investment

    Code / Purpose

    0307 Tender bond Guarantee

    Code / Purpose

    0401 Air Freight

    Code / Purpose

    0402 Land Freight

    Code / Purpose

    0403 Sea Freight

    Code / Purpose

    0404 Travel and Tourism

    Code / Purpose

    0501 Governmental Delegation Transfers

    Code / Purpose

    0502 Private Sector Delegation Transfers

    Code / Purpose

    0503 Governmental Education

    Code / Purpose

    0504 Private Sector Education

    Code / Purpose

    0601 Public Sector Exportation

    Code / Purpose

    0602 Private Sector Exportation

    Code / Purpose

    0603 Public Sector Importation

    Code / Purpose

    0604 Private Sector Importation

    Code / Purpose

    0701 Religious Communities Aid

    Code / Purpose

    0702 International Communities Aid

    Code / Purpose

    0703 Arab Communities Aid

    Code / Purpose

    0704 UN Aid

    Code / Purpose

    0705 Charity Communities Aid

    Code / Purpose

    0801 Telecommunication Services

    Code / Purpose

    0802 Financial Services

    Code / Purpose

    0803 Information Technology Services

    Code / Purpose

    0804 Consulting Services

    Code / Purpose

    0805 Construction Services

    Code / Purpose

    0806 Maintenance & Assembling Services

    Code / Purpose

    0807 Marketing and Media Services

    Code / Purpose

    0808 Mining Services

    Code / Purpose

    0809 Medical & Health Services

    Code / Purpose

    0810 Cultural, Educational & Entertainment Services

    Code / Purpose

    0811 Rental Expenses

    Code / Purpose

    0812 Real Estate

    Code / Purpose

    0813 Taxes

    Code / Purpose

    0814 Fees

    Code / Purpose

    0815 Commissions

    Code / Purpose

    0816 Franchise and License Fees

    Code / Purpose

    0817 Cheque Collection

    Code / Purpose

    0818 Membership Fees

    Code / Purpose

    0901 Municipality Funds

    Code / Purpose

    0902 Government Funds

    Code / Purpose

    0903 Private Sector Funds

    Code / Purpose

    0904 External Incoming Funds

    Code / Purpose

    1001 International Communities and Embassies Remittances

    Code / Purpose

    1002 Permanent Diplomatic Missions

    Code / Purpose

    1003 Temporary Diplomatic Missions

    Code / Purpose

    1004 Jordanian Embassies Income

    Code / Purpose

    1101 Long-Term Loans Instalments / Public Sector

    Code / Purpose

    1102 Long-Term Loans interest Instalments / Public Sector

    Code / Purpose

    1103 Short-Term Loans Instalments / Public Sector

    Code / Purpose

    1104 Short-Term Loans interest Instalments / Public Sector

    Code / Purpose

    1105 Long-Term Loans Instalments / Private Sector

    Code / Purpose

    1106 Long-Term Loans interest Instalments / Public Sector

    Code / Purpose

    1107 Short-Term Loans Instalments /Private Sector

    Code / Purpose

    1108 Short-Term Loans interest Instalments / Private Sector

    Code / Purpose

    1109 Loans Instalments Against Governmental Guarantee

    Code / Purpose

    1110 Loans Interest Instalments Against Governmental Guarantee

    Code / Purpose

    1111 Credit Card Payment

    Code / Purpose

    1112 Personal Loan Payment

    Code / Purpose

    1201 Rerouting

    Code / Purpose

    1202 Scientific Research Support

  • Reason for payment to Pakistan and Philippines

    Code / Purpose

    Code / Purpose

    Charitable Donation

    Code / Purpose

    Commission

    Code / Purpose

    Expenses

    Code / Purpose

    Family maintenance

    Code / Purpose

    Fees

    Code / Purpose

    Fx Ccy Non-Res Deposit

    Code / Purpose

    Gift

    Code / Purpose

    Grant

    Code / Purpose

    Holiday

    Code / Purpose

    Hotel

    Code / Purpose

    House Purchase Non-Resident

    Code / Purpose

    House Purchase Resident

    Code / Purpose

    Inheritance

    Code / Purpose

    Invoice

    Code / Purpose

    Loan

    Code / Purpose

    Medical

    Code / Purpose

    Mortgage payment

    Code / Purpose

    Other – Please specify

    Code / Purpose

    Own account transfer

    Code / Purpose

    Pension

    Code / Purpose

    Personal transfer

    Code / Purpose

    Purchase of shares

    Code / Purpose

    Relocation

    Code / Purpose

    Rent

    Code / Purpose

    Salary

    Code / Purpose

    School fees

    Code / Purpose

    Tax

    Code / Purpose

    Wages

  • Reason for payment to United Arab Emirates

    Code

    Purpose

    Code

    ACM

    Purpose

    Agency Commissions

    Code

    AES

    Purpose

    Advance payment against EOS

    Code

    AFA

    Purpose

    Receipts or payments from personal residents bank account or deposits abroad

    Code

    AFL

    Purpose

    Receipts or payments from personal non-resident bank account in the UAE

    Code

    ALW

    Purpose

    Allowance

    Code

    ATS

    Purpose

    Air transport

    Code

    BON

    Purpose

    Bonus

    Code

    CCP

    Purpose

    Corporate Card Payments

    Code

    CEA

    Purpose

    Equity and investment fund shares for the establishment of new company from residents abroad, equity of merger or acquisition of companies abroad from residents and participation to capital increase of related companies abroad

    Code

    CEL

    Purpose

    Equity and investment fund shares for the establishment of new company in the UAE from non-residents, equity of merger or acquisition of companies in the UAE from non-residents and participation to capital increase of related companies from non-residents in the UAE

    Code

    CHC

    Purpose

    Charitable Contributions (Charity and Aid)

    Code

    CIN

    Purpose

    Commercial Investments

    Code

    COM

    Purpose

    Commission

    Code

    COP

    Purpose

    Compensation

    Code

    CRP

    Purpose

    Credit Card Payment

    Code

    DCP

    Purpose

    Debit Card Payments

    Code

    DIV

    Purpose

    Dividend Payouts From FI

    Code

    DLA

    Purpose

    Purchases and sales of foreign debt securities in not related companies - More than a year

    Code

    DLF

    Purpose

    Debt instruments intragroup loans, deposits foreign (above 10% share)

    Code

    DLL

    Purpose

    Purchases and sales of securities issued by residents in not related companies - More than a year

    Code

    DOE

    Purpose

    Dividends on equity not intragroup

    Code

    DSA

    Purpose

    Purchases and sales of foreign debt securities in not related companies - Less than a year

    Code

    DSF

    Purpose

    Debt instruments intragroup foreign securities

    Code

    DSL

    Purpose

    Purchases and sales of securities issued by residents in not related companies - Less than a year

    Code

    EDU

    Purpose

    Educational Support

    Code

    EMI

    Purpose

    Equated Monthly Installments

    Code

    EOS

    Purpose

    End of Service / Final Settlement

    Code

    FAM

    Purpose

    Family Support (Workers' remittances)

    Code

    FDA

    Purpose

    Financial derivatives foreign

    Code

    FDL

    Purpose

    Financial derivatives in the UAE

    Code

    FIA

    Purpose

    Investment fund shares foreign

    Code

    FIL

    Purpose

    Investment fund shares in the UAE

    Code

    FIS

    Purpose

    Financial services

    Code

    FSA

    Purpose

    Equity other than investment fund shares in not related companies abroad

    Code

    FSL

    Purpose

    Equity other than investment fund shares in not related companies in the UAE

    Code

    GDE

    Purpose

    Goods sold (Exports in fob value)

    Code

    GDI

    Purpose

    Goods bought (Imports in cif value)

    Code

    GMS

    Purpose

    Processing repair and maintenance services on goods

    Code

    GOS

    Purpose

    Government goods and services embassies etc.

    Code

    GRI

    Purpose

    Government related income taxes, tariffs, capital transfers, etc.

    Code

    IFS

    Purpose

    Information services

    Code

    IGD

    Purpose

    Dividends intragroup

    Code

    IGT

    Purpose

    INTER GROUP TRANSFER

    Code

    IID

    Purpose

    Interest on debt intragroup

    Code

    INS

    Purpose

    Insurance services

    Code

    IOD

    Purpose

    Income on deposits

    Code

    IOL

    Purpose

    Income on loans

    Code

    IPC

    Purpose

    Charges for the use of intellectual property royalties

    Code

    IPO

    Purpose

    IPO Subscriptions

    Code

    IRP

    Purpose

    INTEREST RATE SWAP PAYMENTS

    Code

    IRW

    Purpose

    INTEREST RATE UNWIND PAYMENTS

    Code

    ISH

    Purpose

    Income on investment funds shares

    Code

    ISL

    Purpose

    Interest on securities more than a year

    Code

    ISS

    Purpose

    Interest on securities less than a year

    Code

    ITS

    Purpose

    Computer services

    Code

    LAS

    Purpose

    Leave Salary

    Code

    LDL

    Purpose

    Debt instruments intragroup loans, deposits in the UAE (above 10% share)

    Code

    LDS

    Purpose

    Debt instruments intragroup securities in the UAE

    Code

    LEA

    Purpose

    Leasing abroad

    Code

    LEL

    Purpose

    Leasing in the UAE

    Code

    LIP

    Purpose

    Loan Interest Payments

    Code

    LLA

    Purpose

    Loans - Drawings or Repayments on loans extended to nonresidents - Long-term

    Code

    LLL

    Purpose

    Loans - Drawings or Repayments on foreign loans extended to residents - Long-term

    Code

    LNC

    Purpose

    Loan Charges

    Code

    LND

    Purpose

    Loan Disbursements From FI

    Code

    MCR

    Purpose

    Monetary Claim Reimbursements

    Code

    MWI

    Purpose

    MOBILE WALLET CARD CASH-IN

    Code

    MWO

    Purpose

    MOBILE WALLET CARD CASH-OUT

    Code

    MWP

    Purpose

    MOBILE WALLET CARD PAYMENTS

    Code

    OAT

    Purpose

    OWN ACCOUNT TRANSFER

    Code

    OTS

    Purpose

    Other modes of transport (including Postal and courier services)

    Code

    OVT

    Purpose

    Overtime

    Code

    PEN

    Purpose

    Pension

    Code

    PIN

    Purpose

    Personal Investments

    Code

    PIP

    Purpose

    Profits on Islamic products

    Code

    PMS

    Purpose

    Professional and management consulting services

    Code

    POR

    Purpose

    Refunds/Reversals on IPO subscriptions

    Code

    POS

    Purpose

    POS Merchant Settlement

    Code

    PPA

    Purpose

    Purchase of real estate abroad from residents

    Code

    PPL

    Purpose

    Purchase of real estate in the UAE from non-residents

    Code

    PRP

    Purpose

    PROFIT RATE SWAP PAYMENTS

    Code

    PRR

    Purpose

    Profits or rents on real estate

    Code

    PRS

    Purpose

    Personal, cultural, audiovisual and recreational services

    Code

    PRW

    Purpose

    PROFIT RATE UNWIND PAYMENTS

    Code

    RDA

    Purpose

    Reverse debt instruments abroad

    Code

    RDL

    Purpose

    Reverse debt instruments in the UAE

    Code

    RDS

    Purpose

    Research and development services

    Code

    REA

    Purpose

    Reverse equity share abroad

    Code

    REL

    Purpose

    Reverse equity share in the UAE

    Code

    RFS

    Purpose

    Repos on foreign securities

    Code

    RLS

    Purpose

    Repos on securities issued by residents

    Code

    RNT

    Purpose

    Rent Payments

    Code

    SAA

    Purpose

    Salary Advance

    Code

    SAL

    Purpose

    Salary (Compensation of employees)

    Code

    SCO

    Purpose

    Construction

    Code

    SLA

    Purpose

    Loans - Drawings or Repayments on loans extended to nonresidents - Short-term

    Code

    SLL

    Purpose

    Loans - Drawings or Repayments on foreign loans extended to residents - Short-term

    Code

    STR

    Purpose

    Travel

    Code

    STS

    Purpose

    Sea transport

    Code

    SVI

    Purpose

    STORED VALUE CARD CASH-IN

    Code

    SVO

    Purpose

    STORED VALUE CARD CASH-OUT

    Code

    SVP

    Purpose

    STORED VALUE CARD PAYMENTS

    Code

    TCP

    Purpose

    Trade credits and advances payable

    Code

    TCR

    Purpose

    Trade credits and advances receivable

    Code

    TCS

    Purpose

    Telecommunication services

    Code

    TKT

    Purpose

    Tickets

    Code

    TOF

    Purpose

    Transfer of funds between persons Normal and Juridical

    Code

    TTS

    Purpose

    Technical, trade-related and other business services

    Code

    UTL

    Purpose

    Utility Bill Payments

    Code

    TAX

    Purpose

    TAX Payment