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Help & info

Just type in your query, or have a look at the list of popular questions below.

International payments

  • How are your transfer rates of exchange applied?

    Our rates of exchange are set around 8:30am each day, but can change throughout the day and apply to all transfers that are less than £20,000.
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  • What is the quickest way to receive money from outside the UK?

    The fastest way to receive a payment from outside the UK is through an electronic transfer.
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  • Can I set up my international payment to come out on a future date?

    No, an international payment will be processed immediately.
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  • What is an IBAN and BIC and where can I find them?

    Information about an IBAN (International Bank Account Number) and BIC (Bank Identifier Code) and what you need when making an international payment/transfer.
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  • What are your exchange rates?

    Our exchange rates vary daily so you need to contact us to get an up to date rate.
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  • What is SWIFT and when will I use it?

    The Society for Worldwide Interbank Financial telecommunications is used to make an electronic payment, of any amount, to almost anywhere in the world.
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  • What is SEPA and when will I use it?

    SEPA (The Single Euro Payments Area) enables you to make and receive card and electronic payments in Euros, across Europe, regardless of their location.
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  • What is an international payment?

    An international payment is a payment made to an individual or company outside of the UK.
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  • Withdrawal of US Dollar cheque service

    Unfortunately, from 5 May 2017 onwards, we will no longer be able to accept US Dollar cheques.
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  • What is the European Union Savings Directive and who is affected?

    The European Union Savings Directive (EUSD) is an agreement between the Member States of the European Union (EU) to share information about customers who earn savings income in one EU Member State, but live in another.
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  • How do I cancel a foreign payment?

    Unfortunately, once your transfer has been sent, we are unable to stop it.
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  • Why does my foreign transfer default to shared charges?

    A condition of sending funds to a European Economic Area (EEA) country in EEA or non-EEA currency is that the charges have to be pre-defined as 'shared'.
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  • What payment method will be used when I make an online request to send money outside the UK?

    The online facility will automatically default to the most economical method of payment for the currency and country you've selected.
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  • Which payment method should I use to send euros outside the UK?

    If you are sending euros outside the UK then you should do so through either a SEPA, or Real Time Euro Payment.
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  • How long will each international payment take to reach the recipient?

    The length of time an international payment will take to reach the recipient will vary depending on the currency.
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  • My international payment hasn't been made - what should I do?

    There are a number of reasons why your international payment may not go through, please check through these then contact us if you need any help.
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  • What is a US Structured Payment and when can I use it?

    A US Structured Payment is a more cost-effective way of sending US dollars to the United States. There is no limit on the amount you can send.
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  • What are the charges for sending money outside the UK?

    There are charges for sending money outside the UK and these can be found in the following table along with the different types of payment methods.
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  • What happens if the payment details I supplied for a foreign transfer are incorrect?

    If the details you provided for your foreign transfer are incorrect, the beneficiary bank may reject the transfer and either contact us to inform us there is a discrepancy or return the transfer to us.
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