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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 table below along with the different types of payment methods.

Payment Type Charge
SWIFT - Transfers in sterling or foreign currency to almost anywhere in the world, within 1-4 Business Days.  0.25% (min £13, max £35*)
Structured USD Payments - Low cost way of sending US Dollars to the USA which will take up to five Business Days. £8
Single Euro Payment Area (SEPA) Payments - Transfer euros between all EU Member States as well as Iceland, Lichtenstein, Norway, Monaco and Switzerland. Funds should be received by close of business on the next Business Day and both the remitter and beneficiary have to have an account within the SEPA region. £8
Real Time Euro Payments (TARGET) - This is a method of sending money outside the UK in euros. This payment is received on the same day if keyed before 2pm, but can take 1-3 Business Days if there are problems from the recipient's side. Fax confirmation required if transfer is over £10,000. £25*
Enquiries, amendments and cancellations - Fees from any enquiry investigated at your request regarding sending money outside the UK. These fees are also payable for our handling of enquiries from banks outside the UK concerning your payment instructions. However, where this investigation has resulted from an error by The Co-operative Bank, or one of its agents, the fee will be waived. £20*

 

 

 

 

 

 

 

 

 

 

 

 

 

 * Plus postage, transmission and agent's charges where applicable.

Where a payment gives you a full range of charging options (shared, sender or recipient) agent fees are usually applicable.

Payments outside the European Economic Area and USA require the use of an agent/correspondent bank to forward the funds onto the recipient's bank. This charge can vary depending on the destination, currency and complexity of the transfer. The additional charging options allow you to specify who pays the two sets of charges.

For information about charges for sending money outside the UK, please see the Account Charges Leaflet relevant to your account.

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