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 a payment:
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.
How much does it cost to send money outside the UK or in a foreign currency?
Fees for sending money outside the UK or in a foreign currency
The Halifax fee for sending money outside the UK or in a foreign currency is £9.50* regardless of the amount you send or the way you make the payment. 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:
|Zone||Correspondent Bank Fee|
|Zone 1 (USA, Canada and Europe (non-EEA))||£12|
|Zone 2 (rest of the world)||£20|
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 send money outside the UK or in a foreign currency, 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.
Requesting an exchange rate illustration
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.
To obtain an estimate of the payment value, select ‘More actions’ on the account you want to make the payment from. Choose ‘Payments and transfers’ and then select ‘Make an international payment’. Using the ‘International Payments Calculator’ select the country or currency, enter the amount you wish to pay and then click the ‘Get estimate’ button.
Our estimate gives you an idea of approximately how much foreign currency you could receive for your selected amount, plus our charge 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.
Standard Exchange Rate for sending money outside the UK or in a foreign currency
Payments are processed using our standard exchange rate for sending money outside the UK or in a foreign currency. 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
|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?
Once we have received your instruction to send money outside the UK or in a foreign currency, 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||How long will the payment take to reach the payee’s bank after we take it from your account?|
|Payments in euro to another EEA country, Monaco, Switzerland or San Marino||No later than the next working day|
|Payments in other EEA currencies / Swiss francs to another EEA country||No later than four working days.|
The payee’s bank must pay the funds into the payee’s account on the day it receives the payment from us.
Payments outside the EEA or in non-EEA currencies
You can ask us for details about how long the payment should take to arrive. We cannot control exactly when it will be received by the foreign bank. This will depend on the banking practice of that country but should be no longer than 14 working days.
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:
If you don’t know the BIC/SWIFT code:
Select ‘I don’t have the BIC code’ then click ‘Continue’
Enter the following details:
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.
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’
To proceed, please tick the box to confirm that the information you’ve given is correct and that you agree to pay the charges applied to the payment.
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.
From 'My accounts' select the account you wish to view.
Select the ‘UK & International Payments tab and then select ‘International payments’.
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.
View our step-by-step guide for how to send money outside the UK. It's simple, fast and secure.
We need you to quote a BIC/SWIFT and IBAN when sending payments to send outside the UK to the following countries:
|0101||Invoice Payment & Purchase|
|0102||Utility Bill Payment|
|0103||Prepaid Cards Recharging|
|0106||Family Assistance and Expenses|
|0107||Individual Social Security Subscription|
|0109||Saving and Funding Account|
|0111||End of Service indemnity|
|0201||Public Sector Employees Salaries|
|0203||Private Sector Staff Salaries|
|0204||Jordanian Diplomatic Staff Salaries|
|0205||Foreign Diplomatic Salaries|
|0206||Overseas Incoming Salaries|
|0207||Civil / Military Retirement Salaries|
|0208||Social Security Retirement Salaries|
|0209||Establishment Social Security Subscription|
|0304||Subscriptions to international nonmonetary organisations|
|0307||Tender bond Guarantee|
|0404||Travel and Tourism|
|0501||Governmental Delegation Transfers|
|0502||Private Sector Delegation Transfers|
|0504||Private Sector Education|
|0601||Public Sector Exportation|
|0602||Private Sector Exportation|
|0603||Public Sector Importation|
|0604||Private Sector Importation|
|0701||Religious Communities Aid|
|0702||International Communities Aid|
|0703||Arab Communities Aid|
|0705||Charity Communities Aid|
|0803||Information Technology Services|
|0806||Maintenance & Assembling Services|
|0807||Marketing and Media Services|
|0809||Medical & Health Services|
|0810||Cultural, Educational & Entertainment Services|
|0816||Franchise and License Fees|
|0903||Private Sector Funds|
|0904||External Incoming Funds|
|1001||International Communities and Embassies Remittances|
|1002||Permanent Diplomatic Missions|
|1003||Temporary Diplomatic Missions|
|1004||Jordanian Embassies Income|
|1101||Long-Term Loans Instalments / Public Sector|
|1102||Long-Term Loans interest Instalments / Public Sector|
|1103||Short-Term Loans Instalments / Public Sector|
|1104||Short-Term Loans interest Instalments / Public Sector|
|1105||Long-Term Loans Instalments / Private Sector|
|1106||Long-Term Loans interest Instalments / Public Sector|
|1107||Short-Term Loans Instalments /Private Sector|
|1108||Short-Term Loans interest Instalments / Private Sector|
|1109||loans Instalments Against Governmental Guarantee|
|1110||Loans Interest Instalments Against Governmental Guarantee|
|1111||Credit Card Payment|
|1112||Personal Loan Payment|
|1202||Scientific Research Support|
|Code / Purpose|
|Fx Ccy Non-Res Deposit|
|House Purchase Non-Resident|
|House Purchase Resident|
|Other – Please specify|
|Own account transfer|
|Purchase of shares|
|GDE||Goods sold (Exports in fob value)|
|GDI||Goods bought (Imports in cif value)|
|OTS||Other modes of transport (including postal and courier services)|
|GMS||Processing repair and maintenance services on goods|
|IPC||Charges for the use of intellectual property royalties|
|RDS||Research and development services|
|PMS||Professional and management consulting services|
|TTS||Technical, trade-related and other business services|
|PRS||Personal, cultural, audio-visual and recreational services|
|IID||Interest on debt intragroup|
|PIP||Profits on Islamic products|
|PRR||Profits or rents on real estate|
|DOE||Dividends on equity not intragroup|
|ISH||Income on investment funds shares|
|ISL||Interest on securities more than a year|
|ISS||Interest on securities less than a year|
|IOL||Income on loans|
|IOD||Income on deposits|
|GOS||Government goods and services embassies etc.|
|GRI||Government related income taxes, tariffs, capital transfers, etc.|
|CHC||Charitable Contributions (Charity and Aid)|
|Family Support (Workers' remittances)|
|SAL||Salary (Compensation of employees)|
|PPA||Purchase of real estate abroad from residents|
|PPL||Purchase of real estate in the UAE from non-residents|
|CEA||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|
|DSF||Debt instruments intragroup foreign securities|
|REL||Reverse equity share in the UAE|
|RDL||Reverse debt instruments in the UAE|
|FSA||Equity other than investment fund shares in not related companies abroad|
|FIA||Investment fund shares foreign|
|DSA||Purchases and sales of foreign debt securities in not related companies - Less than a year|
|DLA||Purchases and sales of foreign debt securities in not related companies - More than a year|
|FDA||Financial derivatives foreign|
|DLF||Debt instruments intragroup loans, deposits foreign (above 10% share)|
|AFA||Receipts or payments from personal residents bank account or deposits abroad|
|SLA||Loans - Drawings or Repayments on loans extended to non-residents - Short-term|
|LLA||Loans - Drawings or Repayments on loans extended to non-residents - Long-term|
|RFS||Repos on foreign securities|
|TCR||Trade credits and advances receivable|
|CEL||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|
|LDS||Debt instruments intragroup securities in the UAE|
|REA||Reverse equity share abroad|
|RDA||Reverse debt instruments abroad|
|FSL||Equity other than investment fund shares in not related companies in the UAE|
|FIL||Investment fund shares in the UAE|
|DSL||Purchases and sales of securities issued by residents in not related companies - Less than a year|
|DLL||Purchases and sales of securities issued by residents in not related companies - More than a year|
|FDL||Financial derivatives in the UAE|
|LDL||Debt instruments intragroup loans, deposits in the UAE (above 10% share)|
|AFL||Receipts or payments from personal non-resident bank account in the UAE|
|SLL||Loans - Drawings or Repayments on foreign loans extended to residents - Short-term|
|LLL||Loans - Drawings or Repayments on foreign loans extended to residents - Long-term|
|LEL||Leasing in the UAE|
|RLS||Repos on securities issued by residents|
|TCP||Trade credits and advances payable|