Help with sending money outside the UK

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: 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, Sweden and UK
  • and also the following non EU and EEA countries: Andorra, Bahrain, Faroe Islands, Georgia, Gibraltar, 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.

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.

Code / Purpose
0101 Invoice Payment & Purchase
0102 Utility Bill Payment
0103 Prepaid Cards Recharging
0104 Standing Orders
0105 Personal Donations
0106 Family Assistance and Expenses
0107 Individual Social Security Subscription
0108 Associations Subscriptions
0109 Saving and Funding Account
0110 Heritance
0111 End of Service indemnity
0201 Public Sector Employees Salaries
0202 Labourers 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
0301 Investment Revenues
0302 Brokerage Investment
0303 Insurance
0304 Subscriptions to international nonmonetary organisations
0305 Local Investment
0306 External Investment
0307 Tender bond Guarantee
0401 Air Freight
0402 Land Freight
0403 Sea Freight
0404 Travel and Tourism
0501 Governmental Delegation Transfers
0502 Private Sector Delegation Transfers
0503 Governmental Education
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
0704 UN Aid
0705 Charity Communities Aid
0801 Telecommunication Services
0802 Financial Services
0803 Information Technology Services
0804 Consulting Services
0805 Construction Services
0806 Maintenance & Assembling Services
0807 Marketing and Media Services
0808 Mining Services
0809 Medical & Health Services
0810 Cultural, Educational & Entertainment Services
0811 Rental Expenses
0812 Real Estate
0813 Taxes
0814 Fees
0815 Commissions
0816 Franchise and License Fees
0817 Cheque Collection
0818 Membership Fees
0901 Municipality Funds
0902 Government Funds
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
1201 Rerouting
1202 Scientific Research Support

Code / Purpose
Charitable Donation
Commission
Expenses
Family maintenance
Fees
Fx Ccy Non-Res Deposit
Gift
Grant
Holiday
Hotel
House Purchase Non-Resident
House Purchase Resident
Inheritance
Invoice
Loan
Medical
Mortgage payment
Other – Please specify
Own account transfer
Pension
Personal transfer
Purchase of shares
Relocation
Rent
Salary
School fees
Tax
Wages
Code Purpose
ACM Agency Commissions
AES Advance payment against EOS
AFA Receipts or payments from personal residents bank account or deposits abroad
AFL Receipts or payments from personal non-resident bank account in the UAE
ALW Allowance
ATS Air transport
BON Bonus
CCP Corporate Card Payments
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
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
CHC Charitable Contributions (Charity and Aid)
CIN Commercial Investments
COM Commission
COP Compensation
CRP Credit Card Payment
DCP Debit Card Payments
DIV Dividend Payouts From FI
DLA Purchases and sales of foreign debt securities in not related companies - More than a year
DLF Debt instruments intragroup loans, deposits foreign (above 10% share)
DLL Purchases and sales of securities issued by residents in not related companies - More than a year
DOE Dividends on equity not intragroup
DSA Purchases and sales of foreign debt securities in not related companies - Less than a year
DSF Debt instruments intragroup foreign securities
DSL Purchases and sales of securities issued by residents in not related companies - Less than a year
EDU Educational Support
EMI Equated Monthly Installments
EOS End of Service / Final Settlement
FAM Family Support (Workers' remittances)
FDA Financial derivatives foreign
FDL Financial derivatives in the UAE
FIA Investment fund shares foreign
FIL Investment fund shares in the UAE
FIS Financial services
FSA Equity other than investment fund shares in not related companies abroad
FSL Equity other than investment fund shares in not related companies in the UAE
GDE Goods sold (Exports in fob value)
GDI Goods bought (Imports in cif value)
GMS Processing repair and maintenance services on goods
GOS Government goods and services embassies etc.
GRI Government related income taxes, tariffs, capital transfers, etc.
IFS Information services
IGD Dividends intragroup
IGT INTER GROUP TRANSFER
IID Interest on debt intragroup
INS Insurance services
IOD Income on deposits
IOL Income on loans
IPC Charges for the use of intellectual property royalties
IPO IPO Subscriptions
IRP INTEREST RATE SWAP PAYMENTS
IRW INTEREST RATE UNWIND PAYMENTS
ISH Income on investment funds shares
ISL Interest on securities more than a year
ISS Interest on securities less than a year
ITS Computer services
LAS Leave Salary
LDL Debt instruments intragroup loans, deposits in the UAE (above 10% share)
LDS Debt instruments intragroup securities in the UAE
LEA Leasing abroad
LEL Leasing in the UAE
LIP Loan Interest Payments
LLA Loans - Drawings or Repayments on loans extended to nonresidents - Long-term
LLL Loans - Drawings or Repayments on foreign loans extended to residents - Long-term
LNC Loan Charges
LND Loan Disbursements From FI
MCR Monetary Claim Reimbursements
MWI MOBILE WALLET CARD CASH-IN
MWO MOBILE WALLET CARD CASH-OUT
MWP MOBILE WALLET CARD PAYMENTS
OAT OWN ACCOUNT TRANSFER
OTS Other modes of transport (including Postal and courier services)
OVT Overtime
PEN Pension
PIN Personal Investments
PIP Profits on Islamic products
PMS Professional and management consulting services
POR Refunds/Reversals on IPO subscriptions
POS POS Merchant Settlement
PPA Purchase of real estate abroad from residents
PPL Purchase of real estate in the UAE from non-residents
PRP PROFIT RATE SWAP PAYMENTS
PRR Profits or rents on real estate
PRS Personal, cultural, audiovisual and recreational services
PRW PROFIT RATE UNWIND PAYMENTS
RDA Reverse debt instruments abroad
RDL Reverse debt instruments in the UAE
RDS Research and development services
REA Reverse equity share abroad
REL Reverse equity share in the UAE
RFS Repos on foreign securities
RLS Repos on securities issued by residents
RNT Rent Payments
SAA Salary Advance
SAL Salary (Compensation of employees)
SCO Construction
SLA Loans - Drawings or Repayments on loans extended to nonresidents - Short-term
SLL Loans - Drawings or Repayments on foreign loans extended to residents - Short-term
STR Travel
STS Sea transport
SVI STORED VALUE CARD CASH-IN
SVO STORED VALUE CARD CASH-OUT
SVP STORED VALUE CARD PAYMENTS
TCP Trade credits and advances payable
TCR Trade credits and advances receivable
TCS Telecommunication services
TKT Tickets
TOF Transfer of funds between persons Normal and Juridical
TTS Technical, trade-related and other business services
UTL Utility Bill Payments
TAX TAX Payment

Sending payments outside the UK demo


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