International Payments

A quick and secure way to send and receive money around the world.

Overview of International Payments

Maybe 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 Payment services are fast, efficient and secure.

You have a choice of which currency you want your payment to be sent in - we offer a range of currencies to choose from.

How much do International Payments cost? 

When sending money abroad, the following fees apply to each transaction:

  • £9.50 when sending money via Online Banking
  • £19.50 via Telephone Banking and in branch.

Save £4.50 on each of your first ever 2 online international payments

ONLINE OFFER: Send your first ever 2 online international payments for only £5 each, reduced from £9.50. That's a saving of £4.50 for each payment.

See the online offer details.

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.

Please be aware that online international payments made outside of normal market trading hours (7am-5pm Monday to Friday, excluding bank holidays) will include an additional outside of market trading hours premium, in the exchange rate offered. This premium is not applied if you transact within normal market trading hours where exchange rates offered to you will be live and fluctuate in line with the markets.

Find out more about sending money abroad. 

View full International Payments Information (PDF opens in new window)

Sending money abroad

ONLINE OFFER: Save £4.50 on each of your first ever 2 online international payments
Use promotion code FIVER when sending your first ever 2 online international payments only. Offer closes at midnight on 29th April 2014 and further payments will be charged at £9.50 each. 
Offer applies to the first ever 2 online payments only:

  • You can use the promotion code only once for your second  online  payment if you’ve previously sent 1 international payment using the Online Banking service.
  • You can't use the promotion code if you’ve previously sent 2 or more international payments using the Online Banking service.
    Offer may be withdrawn at any time.

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 £75,000 applies when sending International Payments via Online Banking.

To save £4.50 on each of your first ever 2 online international payments, enter FIVER in the promotion code field when sending each payment.

Sign in to Online Banking and choose the bank account you wish to make a payment from. Click the 'UK & International Payments tab, then the 'International Payments' sub-tab and follow the on-screen instructions.


NOTE: A daily transaction limit of £5,000  applies when sending International Payments via Telephone Banking.

If you're registered for Telephone Banking, just call:

  • 08457 20 30 40 in the UK
  • Or +44 113 242 2229 from outside the UK.

Lines open 8am to 8pm, 7 days a week

In Branch

Call into your nearest branch and talk to us.



View full International Payments Information (PDF opens in new window)

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; select the relevant account from the “Your accounts” page, and then click on the ‘Show IBAN / BIC’ link.

IBAN - International Bank Account Number.
BIC - Bank Identifier Code.

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

Fees for receiving international payments
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.



View full International Payments Information (PDF opens in new window)

Free international transfers to Spain

Do you live, work in or visit Spain frequently, and hold a Halifax current account in the UK? If so, you can benefit from free international transfers^ from your UK current account to an account you hold with Lloyds Bank International, S.A.U., the Spanish banking arm of the Lloyds Banking Group.

You can make a transfer via Online Banking, by Telephone Banking on 08457 20 30 40. Lines open 8am to 8pm, 7 days a week. Or pop into your nearest branch.

If you wish to open a Lloyds Bank International, S.A.U. account, please call 08456 00 36 03. Lines are open 8am to 6pm Monday to Friday and 9.30am to 1.30pm Saturday (UK local time).

^ The free transfer service does not apply to third party transfers.

Lloyds Bank International, S.A.U. (Lloyds Bank International) is a body corporate incorporated in Spain with registered office at C/ Serrano, 90, 5a Planta, 28006 Madrid, Spain and is registered in the Spanish Register of Banks and Bankers (Registro de Bancos y Banqueros) with the number 0236. Reg. Mer. Madrid. T. 6799, L.O.F. 108 Sec 8a, H.M.-110714, Incrip. 1a, N.I.F. A-80481765.

All deposits will be held in Spain and the accounts will be subject to Spanish law and Spanish banking rules. Lloyds Bank International is a member of the Fondo de Garantía de Depósitos. The Financial Services Compensation Scheme under the UK Financial Services and Markets Act 2000 does not apply to deposits held in Spain. Subject to status. An annual or maintenance fee may apply.

Halifax and Lloyds Bank International, S.A.U. are part of Lloyds Banking Group.



View full International Payments Information (PDF opens in new window)

Calls may be monitored and recorded.

A foreign draft is required when sending money abroad by post. Foreign drafts are available in all major currencies with a fee of £20 for each draft. Just ask in branch for more details.

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.


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.

Watch our international payments demo

Watch our international payments demo

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

View our interactive demo

Living overseas and want to benefit from free international payments to the UK and elsewhere?

You are here:  Home > Online Banking help > Moving money > International Payments