Making international payments

International payments

Santander customers can make international payments using: 

  • Online Banking 
  • Telephone Banking

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:

Payment

Description

Fee

Electronic transfer (standard)

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.

For more information on cut-off times see the Electronic transfers and electronic European transfers section

£25

Electronic euro transfer (non-urgent: SEPA)

This method of transferring euros takes a little longer and can only be used if the bank you’re sending the money to takes SEPA transfers.

Money arrives next working day subject to cut-off times.

For more information on cut-off times see the Electronic transfers and electronic European transfers section

£15

Currency draft (cheque)

We can provide you with a currency draft (cheque) which you can then give or send to the beneficiary.

£10

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.

Payment

Available currencies

Electronic transfer (urgent)

UAE dirham
Australian dollar
Canadian dollar
Czech koruna
Swiss franc
Danish krone
Euro
Pound sterling
Hong Kong dollar
Hungarian forint
Indian rupee
Israeli shekel
Japanese yen
Mexican peso
Moroccan dirham
Norwegian krone
New Zealand dollar
Philippine peso
Polish zloty
South African rand
Swedish krona
Singapore dollar
Thai baht
US dollar

Electronic euro transfer (non-urgent: SEPA)

Euro only

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. 

Currency

Destination

Cut-off time - Online Banking

Cut-off time - Telephone Banking

Settlement date

How you can stop or change the payment

GBP

Within the EEA

15.00

13.00

Same day

Contact us on 0800 731 6666  as soon as possible**
although we cannot guarantee the payment will be stopped

Euro

Within the EEA

11.30

11.30

Same day

Contact us on 0800 731 6666 as soon as possible**
although we cannot guarantee the payment will be stopped

SEPA - euro transfers

Within the EEA

14.30

13.00

Next business day

Contact us on 0800 731 6666 as soon as possible**
although we cannot guarantee the payment will be stopped

USD

Within the USA

15.00

13.00

Same day

Contact us on 0800 731 6666 as soon as possible**
although we cannot guarantee the payment will be stopped

All other currencies

Any country

15.00

13.00

Usually within four business days

Contact us on 0800 731 6666  as soon as possible**
although we cannot guarantee the payment will be stopped

*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.

Charging options

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:

Country

Currency

Australia

Australian dollar

Canada

Canadian dollar 

Switzerland

Swiss franc 

Austria

Euro

Finland

Euro 

France

Euro 

Italy

Euro

Germany

Euro 

Luxembourg

Euro 

Portugal

Euro

Spain

Euro

New Zealand

New Zealand dollar 

United States

US dollar

 

Read the terms and conditions for an international draft (cheque).

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.

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