How can I make an international payment?

Mobile banking

If you have registered to use your biometrics with the Bank, you can use the mobile app to make an international payment to new and saved payees up to the daily limit of £20,000.00 GBP (Euro equivalent for ROI).

If you have not yet registered your biometrics with the Bank you can make an international payment to:

• a saved payee up to £20,000
• a new payee up to £750 (a maximum of 5 payments totalling £750 per day)
• to make a payment to a new payee for more than £1,000 you will need to go to Anytime Internet Banking

Step by step instructions:

1. Login to the mobile app
2. Tap 'Payments' on the bottom of the home screen, make sure the account shown is set to the account where you want to make the payment from. You can swipe to change accounts or tap 'Change account'.
3. Tap 'Send money'
4. Tap 'Send money abroad'
5. Tap 'Choose who to pay'
6. Tap Pay someone new or an existing Payee set up
7. Follow the on screen instructions to complete the payment

Pay Someone New selected

1. Select country and then Currency
2. Key the amount in either foreign currency or GBP as you prefer and select calculate rate
3. Choose Payment type and Fees
4. Input Recipient’s details (Payee’s full name/ Account details/Reference/Recipient’s bank details/Recipients address/Other details)
5. Select purpose of payment, review messages and select continue
6. If required, complete Biometric approval
7. Check the payment details and Continue
8. Review payment & select "Make Payment"
9. Accept Terms & Conditions
10. The screen will then confirm your payment has been arranged

Saved Payee selected

1. Select Payee
2. Key the amount in either foreign currency or GBP as you prefer and select calculate rate
3. Choose Payment type and Fees
4. Check Payment details
5. Confirm payment
6. The screen will then confirm your payment has been arranged

Anytime Internet Banking

You can use Anytime Internet Banking to make an online international payment to an individual or business outside the UK and to currency accounts within the UK from your bank account as and when it suits you.

A fee will apply for all urgent payments and funds should reach the recipient in 1 to 2 business days. Standard payments are free of charge. Standard euro payments within the SEPA zone should reach the recipient the same day (you have until 2PM to arrange the payment), for all other countries standard payment should reach the recipient in 2 to 4 working days.

Further details on international payment fees and charges can be found in our Schedule of Services brochure (PDF, 322KB).

Before you start

You have to set up a payee to make a payment abroad - the person or company the money will be paid to. You will need a Card-Reader and a card you can use with that reader to complete this process.

Find out more on how to make an international payment when you have already set up a payee.

Before you start you will need the following information:

• Beneficiary's Bank Identifier Code (SWIFT BIC) - all payments
• Beneficiary's International Bank Account Number (IBAN) - for payments to IBAN compliant countries
• Account number - payments to an account without an IBAN
• National Clearing Code (NCC) - payments to an account without an IBAN

If you do not have the Payee's account details in this format please ask the Payee to supply them. They can get these details on request from their bank.

Setting up a payee

1. Select 'Payments and transfers' from the left hand menu
2. Under the 'International payments' section select 'Make a Payment'
3. Select 'Get a quote for paying someone new then select 'Next'
   The next screen will ask you some questions to provide you with a quote in pounds and pence. The quote will have converted the amount you want to pay into local currency and will include the relevant fees.
4. Enter the country, the currency, the amount you want to send, how fast you want it sent, and the relevant fee options. The website will give you a quote in pounds of how much it will cost in total. Once done, click ‘Next’.
5. Enter the relevant account details, which will vary depending on the country you are sending to. If unsure what they are, click on the information icon next to the required details on the website.
6. You’ll also need to enter a reference for the payment, the account you want it to leave from, and the date you want it to be sent. Once done, select ‘Next’.
7. You’ll be given a summary of all the information you have entered, please check that everything is fine before continuing. You’ll then need to follow the onscreen instructions to authorise the payment with your card reader.
8. Once the card reader has been enabled, select ‘Confirm’ to send the payment.