Make and receive international payments quickly, securely and cost effectively with our range of international payment methods.
Please note: charges may apply for making international payments. Please check your account tariff for details.
There are four ways of making international payments. You can use the one that best suits your business.
You can use The Society for Worldwide Interbank Financial Telecommunications (SWIFT) to make an electronic payment in several different currencies to almost anywhere in the world.
You may be able to use a Single Euro Payments Area (SEPA) Credit Transfer to make a non urgent euro payment to a payee in the SEPA.
This is the quickest but most expensive option for making urgent euro payments within the Eurozone.
This is a low cost service to send US dollars to the United States of America (USA).
Australian Dollar (AUD)
Canadian Dollar (CAD)
Swiss Franc (CHF)
Danish Krone (DKK)
Hong Kong Dollar (HKD)
Japanese Yen (JPY)
Norwegian Krone (NOK)
New Zealand Dollar (NZD)
Polish Zloty (PLN)
Swedish Krona (SEK)
Singapore Dollar (SGD)
U.S. Dollar (USD)
South African Rand (ZAR)
We may ask you for further information when sending payments to some countries.
The time it takes for your payment to arrive depends on the location of the payee’s account, the currency you’re paying in and the type of payment you’re using.
The table below shows how long payments usually take to arrive after we’ve received your request to make the payment and taken the money from your account. All times mentioned relating to international payments are given in Greenwich Mean Time (GMT).
Please note: if we don’t receive your payment request before the cut off time on a business day, we’ll treat your request as received on the next business day. The timings set out in the table above will begin then.
Please refer to the terms and conditions of your account for more information about international payments and timescales.
The fastest and most secure way of transferring funds into your account is through an electronic transfer. To receive a payment, you will need to provide your customer with:
Payments received in a foreign currency will be converted into sterling and credited to your account. We will let you know when payments are received through our cross border payments system. We will show you the amount received and any deductions made.
Please note: charges may apply for the transaction. Please check your account tariff for details.
We will convert international transfers from and to your account using our standard exchange rate. This changes to reflect the currency market movements and includes a margin of 4%.
To find out our current exchange rate, call us on the number above.
Please read the important information below before you amend, cancel or make an enquiry about international payments you have made.
IBAN stands for International Bank Account Number. An IBAN is always used with a Bank Identifier Code (BIC) when sending or receiving international payments. You can find your IBAN on your bank statement.
The Bank Identifier Code (BIC), also known as a SWIFT code, is a standard identifier for banks internationally. It should be used on all international payments, unless you are making a non urgent Euro payment via the Single Euro Payments Area (SEPA). In this case, the bank will derive the BIC from the IBAN provided.
The Co-operative Bank’s BIC is CPBKGB22.
The latest time on any given day that we can process payment instructions.