Information you’ll need to send an international payment
Before making the payment please have the account details of the person you're paying, including:
- their full name
- the Bank Identifier Code (BIC) of the beneficiary's bank and
- the beneficiary's account number or IBAN (International Bank Account Number). Please note you must supply the beneficiary's IBAN for euro payments to countries in the European Economic Area
- any routing code or other information required by the destination country
- for Mexican peso payments, the beneficiary’s 18 digit CLABE account number (Clave Bancaria Estandarizada) is required.
Intermediary/ agent bank charges
International payments can be subject to agent bank charges which are beyond the control of the sending bank. This may mean that the beneficiary receives a lower value than the amount that was originally sent.
- Log onto Online Banking.
- Go to the 'Payments & Transfers' tab.
- Click 'International payments' in the left-hand menu.
- Follow the on-screen instructions.
If you're sending money to companies overseas you'll need your registered mobile phone to hand as, for security reasons, we will send you a One Time Passcode. You may also need your IBAN or BIC details depending on the destination of the payment.
Not signed up for Online Banking? Find out more
Please call 0800 731 6666.
Santander customers can make 3 types of international payments:
The fastest method of transferring money, directly to an overseas bank account. For payments in EUR and USD, funds can arrive on the same day if sent before our cut-off time.
An electronic transfer can be done through Online Banking or Telephone Banking.
What are the time limits?
Depending on the currency of your payment and the channel you use to request it, there will be different cut-off times. The cut-off time is the time by which you must have submitted and fully authorised your payment instruction in order for it to be processed today.
Please note that payments are not processed on non-working days, including weekends and bank holidays, and this includes non-working days in the beneficiary country.
*The settlement date is the day upon which the payment will usually reach the beneficiary's bank. Santander cannot guarantee that the beneficiary will receive the funds on that day, as this is beyond the control of the sending bank.
**A small number of payments where the beneficiary bank uses Step 1 settlement will have a 13.20 cut-off.
The charging options available to you will depend on the destination country of your payment:
EEA Payments - these are payments to a country in the European Economic Area*, made in any currency using SWIFT or non-urgent payments in euros using the SEPA Scheme. For these payments you will only have the option to pay the sender’s (i.e. your) charges.
International payments - these are payments anywhere in the world outside of the European Economic Area*, made in sterling or any other currency, using SWIFT. For these payments:
- the beneficiary can pay all the charges or
- you can pay the beneficiary’s charges in addition to your own (sender’s) charges. This option will make it more likely (although not guaranteed) that the beneficiary will receive the full amount that you send.
If you want to change the charging option from the default setting (which is that you pay the sender’s charges only), this can be found in the section ‘Expenses paid by’ in Online Banking - alternatively the telephone operator or branch staff can select the correct option for you.
* European Economic Area Countries;
Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK.
For currency drafts (cheques), customers should request a draft drawn on the country where it will be paid in. Santander can provide currency drafts drawn in the following currencies:
Santander can provide currency drafts drawn in the following currencies:
Please refer to Section 16.9 of the General Terms and Conditions for further information on Foreign Currency Cheques.
How do I request a foreign currency cheque/draft?
You can complete a request for a foreign currency cheque over the telephone by calling 0800 731 6666.
Things to be aware of
- We will debit your account immediately for the equivalent sterling amount using our exchange rate for payments made out of your account.
- If you wish to cancel the cheque after we have issued it to you, we can do this but there will be a charge. Due to exchange rate fluctuations and different rates for payments into your account and payments out of your account you may receive back less than you originally paid.
- If you notify us that a cheque is lost or stolen, we will place a stop on it and refund your account, but there will be a charge. It will take at least 5 working days for your account to be re-credited. Due to exchange rate fluctuations and different rates for payments into your account and payments out of your account you may receive back less than you originally paid.
- If after 6 months the payee has not presented the cheque for payment, we may cancel it. Your account will be re-credited with the sterling amount, based on our exchange rate applicable to payments made into your account on the day we stop the cheque. This means you may receive less back than you originally paid.