Our agreement with you is made up of the general conditions (contained in the Bank of Scotland Bank Account Terms and Conditions leaflet (including special conditions) or, for accounts opened from 12th September 2011, the Bank of Scotland Bank Account conditions leaflet or, for the Private Banking Premier Current Account and Flexible Current Account, the Bank of Scotland Private Banking Current Account Conditions and additional conditions. These additional conditions include the conditions below, information in the International Payments leaflet, and other information we tell you when you ask us to make the payment. If there is any overlap or conflict between the additional conditions and the Bank of Scotland Bank Account Terms and Conditions or the Bank of Scotland Bank account conditions or the Bank of Scotland Private Banking Current Account Conditions (as applicable) the additional conditions apply.

The international payments service allows you to make an electronic payment via our Online Banking service, in branch or Telephone Banking from an account you hold with us to a person (‘recipient’) either outside the UK or in a currency other than sterling within the UK. It is provided by Bank of Scotland plc.

1. Making an international payment

1.1 We must receive your payment instruction before the cut-off time on a working day so that we can start processing it the same day. The cut-off time for international payments sent in euro via branch and telephony will be communicated to you at the time of the transaction but will be no earlier than 2pm and no later than 3pm, and the cut off time for all other currencies is 3pm. If you make your international payment online the cut-off time for all currencies is 3pm.

If you are a Private Banking client and you want to make a payment via your Private Banking and Advice Manager the cut-off time will be no later than 12.30pm for all international payments.

1.2 Provided we receive your payment instruction before the cut-off time on a working day, we will take the money from your account the same day. If the recipient’s account is in the EEA, the timescales for payments set out in the general conditions will apply. If the recipient’s account is outside the EEA, you can ask us for details about how long the payment will take to arrive. By ‘EEA’ we mean the European Economic Area (this includes members of the European Union plus Norway, Iceland and Liechtenstein).

1.3 By ‘working day’ we mean any day on which a particular bank is open for business as required for the processing of an international payment. Our working days are Monday to Friday (other than English bank holidays) but foreign banks may have different working days, for example because they observe local bank holidays.

1.4 There must be sufficient funds in your account for us to process your payment instruction. If, when we try to process your payment, there are insufficient funds in your account, you acknowledge that:

  • we may make a charge for cancelling the payment. We will tell you the amount of our charges for this service at the time
  • we may also make a charge for any loss in foreign exchange that we make as a result of trying to send the payment on your behalf.

1.5 When you give us a payment instruction you must give us the full name and address of the recipient, and the name and address of their bank; and

1.5.1 if you are making a payment in euro or any other EEA currency to a bank account in the EEA, Switzerland or Monaco you must give us the International Bank Account Number (IBAN) and Bank Identifier Code (BIC) for the recipient’s account. By ‘EEA currency’ we mean the euro or any official currency of an EEA country; or

1.5.2 if you are making any other payment you must give us the recipient’s account number and any other details we ask you for so we can make the payment

1.6 You may not be able to cancel or change your payment instruction once you have given it to us because we start processing it when we receive it. If you ask us to cancel a payment instruction that is already being processed or if we’re unable to process the payment due to incorrect recipient details, you acknowledge that:

1.6.1 if the payment has been credited into the recipient’s account, we can only recall the payment (or any part of it) with the agreement of the recipient’s bank and the recipient.

1.6.2 we may make a charge for trying to cancel or change the payment, whether or not we succeed. We will tell you the amount of our charges for this service at the time you request it.

1.6.3 if you asked for the original payment to be sent in a foreign currency, we will convert it into sterling at the applicable exchange rate before we pay it back into your account. The exchange rate we use to do that may be different from the exchange rate applied to the original payment and so the amount paid back into your account may be less than the amount originally taken.

2. Exchange rates

2.1 If you ask us to send the payment in a currency other than sterling we’ll use our standard exchange rate for the payment (which may depend on the amount) and we will tell you or display online the exchange rate that will apply. To establish the current exchange rate before sending your international payment via our branch or telephone channel call us on 0345 721 3141 or visit us in branch.

If the payment is in a currency which differs from the currency of the recipient’s account, we cannot control any exchange rate applied by the recipient’s bank or any agent bank.

3. Charges

3.1 If you ask us to make the payment in euro or any other 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.

3.2 If you are requesting any other international payment to be sent via branch or by telephone you may opt:

3.2.1 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. We may not be able to tell you in advance what an agent or recipient bank will charge; or

3.2.2 for charges to be shared, where you agree to pay our charges and the recipient pays their bank’s charges, and, if we use an agent bank when sending the payment, their charge (if any) is deducted from the payment before it reaches the recipient’s bank. We will not always be able to tell you in advance what the recipient’s bank or any agent bank will charge.

3.2.3 When an international payment is sent online all charges will be shared as per condition 3.2.2 above, there is no option for you to pay all the charges.

3.3 Our charge that applies to international payments is £9.50.

3.4 We will take our charges for dealing with your international payment, and, where appropriate, any charges by the recipient’s bank and any agent bank(unless the payment falls within condition 3.2.2 above, and the agent bank’s charge is deducted from the payment) from your account.

4. Statements and information

4.1 The payment transaction details, including the sterling equivalent of the payment, the charges which apply and any breakdown of these and the exchange rate applied will be confirmed to you immediately before the payment has left your account and will be shown on the statement for your account.


Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.