Help with sending money outside the UK

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 payment service is fast, efficient and secure.

What's more, setting up and sending money in different currencies is simple through our Internet Banking service – just view our demo on how to send money outside the UK.

Please bear in mind the following before setting up a payment:

  • The recipient will need to be set up
  • 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 the list of countries that you will need an IBAN for.
    • For the rest of the world, the beneficiary name and bank details are needed.

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 make a Payment?

Charges

We have one charge for sending money outside the UK regardless of whether you send it through Internet Banking, over the telephone or in your local branch. The charge is the same for every currency and for any amount of money.

Charge for sending money outside the UK or in a foreign currency - £9.50*

For payments in euro or another EEA currency to a bank account in the EEA, Switzerland or Monaco, you will pay our charges (including the charges of any agent bank we use) and the recipient will pay their bank’s charges.

For any other payments made through:

  • Internet Banking, you will pay our charges and the recipient will pay their bank’s charges and those of any agent bank.
  • One of our branches or Telephone Banking you may opt: a) to share charges in the same way as non-EEA payments through Internet Banking or b) to pay all charges, where you also agree to pay the charges of the recipient’s bank and any agent banks we use, instead of the recipient paying them.

We will not always be able to tell you in advance what the recipient’s bank or any agent bank will charge.

* This charge will not apply to payments in pounds 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.

Requesting an exchange rate illustration

You can use our payments calculator to get an estimate of how much a payment will cost. Please log in to Internet 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 a payment’. Using the ‘ 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
difference between our standard
exchange rate for sending money outside the UK or in a foreign currency 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 payment take to arrive?

Once we have received your instruction to send a payment, the table below tells you the maximum time the payment will take to reach the other person’s bank - provided you have 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 or Switzerland 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.

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

Setting up payments to International banks

From your account homepage select ‘More actions’ on the account you want to make the payment from.

Choose ‘Payments & transfers’ and then select ‘Make a payment’.

If you know the BIC/SWIFT code:

Select ‘I know the BIC/SWIFT code’ then click ‘Continue’.

Enter the following details:

  • Recipients name
  • Recipients IBAN (International Bank Account Number) or the Recipients account number
  • Recipients bank BIC/SWIFT code.

If you don’t know the BIC/SWIFT code:

Select ‘I don’t have the BIC code’ then click ‘Continue’

Enter the following details:

  • Recipient’s name
  • Recipient’s IBAN (international Bank Account Number) or the Recipient’s account number
  • Recipient’s bank name and bank address

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.

Sending an existing payment / transfer

From your account homepage select ‘More actions’ on the account you want to make the payment from.

Choose ‘Payments & transfers’ and then select ‘Make a payment’. You can then choose your existing recipient from the drop down and select continue.

From this 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, payments cannot be stopped, amended or recalled.

Viewing existing payments / transfers

From your account homepage select ‘More actions’ on the account you want to make the payment from.

Choose ‘Payments & transfers’ and then select ‘Make a payment’.

Deleting payments / transfers

From your account homepage’ select the ‘More Actions’ link on the account you want to delete the payee from.

Choose ‘Payments and Transfers’ and select ‘Manage Recipients’. You can then select the International tab and delete the payee you would like to remove.

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

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

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

Sending payments outside the UK demo


View our step-by-step guide for how to send money outside the UK.