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How to make your international payment

If you want to find out more about international payments, go to our international payments page.

If the payment is under £20,000

If the payment is over £20,000

  • Please note: charges may apply for the transaction. Please check your account tariff for details.

If the payment is under £20,000

You can make the payment in Business Online Banking. To make an international payment to an existing payee:

  1. Log in to Business Online Banking.
  2. Click ‘Payment and transfers’ in the menu on the left of the screen, then ‘Pay and transfer.’
  3. Select ‘Pay someone else’ and ‘International.’
  4. Click ‘Continue.’
  5. Select:
    • the account you want to make the payment from
    • the payee you want to pay
    • the type of payment you want to make
    • the currency you want to send the payment in.
  6. Enter the amount you want to transfer.
  7. If you are making a Euro payment to the Eurozone and want to use a Real Time Euro Payment (TARGET2), select ‘Make this payment with Target2'.
  8. Under ‘Charging Method,’ select:
    • ‘Sender’ if you will pay the charges for the payment
    • ‘Beneficiary’ if the payee will pay them
    • ‘Shared’ if you and the payee will share the charges.
  9. Enter any references you want to include.
  10. Under ‘Payment method,’ select:
    • ‘Advise and Credit’ if you want the payee’s bank to advise the payee when they have received the money
    • ‘Credit (No Advice to Recipient)’ if you want them to credit the payee’s account without contacting the payee
    • ‘Pay on application and identification’ if you want them to request identification from the payee before crediting the payee’s account.
  11. If you have booked an exchange rate, select ‘Use booked rate’ and enter the exchange rate and deal number you’ve been given.
  12. If you are routing this payment through an intermediary or third-party bank, select ‘Use bank to bank information’ and enter the extra bank details you’ve been given.
  13. Click ‘Continue.’

Then, if you use the HID Approve app:

  1. In the app, select ‘Challenge Response’ in the bottom right hand corner of the screen.
  2. Enter the eight digit number from Business Online Banking, then tap the screen.
  3. Enter your PIN and press ‘OK’ to generate a secure code.
  4. In Business Online Banking, enter the secure code from the app and click ‘Confirm payment.’

Then, if you use a physical token:

  1. On your physical token, enter your four digit PIN. Do not press OK and ignore the message ‘CHAL - otP’ if it appears.
  2. Immediately enter the eight digit number from Business Online Banking, then press ‘OK’ to generate a secure code.
  3. In Business Online Banking, enter the secure code from your physical token and click ‘Confirm Payment.’

Alternatively, you can make the payment by calling us on 03457 213 213. Lines are open Monday to Friday 8am to 6pm, Saturday 9am to 12 noon. Call charges apply.

If the payment is over £20,000

If you are making a Real Time Euro Payment (TARGET2) over £20,000, email us at chapsrequests@co-operativebank.co.uk.

For all other payments over £20,000, email us at foreign.banking@co-operativebank.co.uk.

All requests must be on letter headed paper and signed in accordance of the mandate we hold.

Please include the following information about the person or company you’re paying:

  • Their name as it appears on their bank account
  • Their account number
  • The address of the receiving bank
  • Their IBAN and BIC/SWIFT code, unless you’re sending a SEPA

Please also include:

  • Your contact phone number
  • Your debiting sort code and account number
  • The amount you would like to transfer
  • The currency you want to transfer in