International payments

Santander customers can make international payments using: 

  • Online Banking 
  • Telephone Banking 
  • our branches 
  • Santander’s One Pay FX app (for iPhones running iOS10+).

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.
  • 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 9 123 123. 

We're open 7am to 9pm Monday to Saturday and 8am to 9pm on Sundays.

Visit your local branch

The Santander One Pay FX app lets you transfer money abroad. The app is only available for iPhone users running iOS10 or above. 

With One Pay FX you can make regular international payments of up to £10,000 a day to individuals:

  • in Euros, to all 19 Eurozone countries 
  • in US dollars, to the USA. 

One Pay FX uses the latest exchange rates available, which are constantly updated and shown before you make your transfer.

Santander One Pay FX lets you:

  • make international payments to friends, family or your own foreign accounts 
  • enter the amount either in pounds you want to send or in Euros or Dollars you want to be received 
  • see the final amount that will arrive 
  • store the details of payments you make so it’s easier to pay them again 
  • see all the payments you’ve made using the app. 

We won’t charge you a transaction fee for using One Pay FX. However, the payment may be subject to fees from the receiving bank, for example if you send a payment in Euros or Dollars to an account which uses a different currency. If we introduce a transaction fee in the future, we’ll let you know about it before you make your payment.

To use One Pay FX you need:

  • an iPhone running iOS10+
  • Santander Online or Mobile Banking
  • a Santander debit card registered with Apple Pay.

How quickly will my payment be made?

If you’ve submitted and fully authorised a payment on any working day before the cut-off times below, we’ll usually process it the same day.

Please note that payments:

  • are subject to payment screening, which can delay the payment being processed
  • aren’t processed on non-working days, including weekends and bank holidays (this also includes non-working days in the destination country).

International payments with One Pay FX 

Currency

Destination

Cut-off time 

Settlement date

Euro

Eurozone countries

10.30

Same business day 

US dollars

Continental USA

17.00

Next business day 

The settlement date is the day the payment will usually reach the beneficiary’s bank. We can’t guarantee that the beneficiary will receive the funds on that date, as this is beyond our control.

Eurozone countries are: Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, The Netherlands, Portugal, Slovakia, Slovenia and Spain.

Santander customers can make 3 types of international payments:

Payment

Fee

Electronic transfer (standard)

£25

Electronic euro transfer (non-urgent: SEPA)

£15

Currency draft (cheque)

£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, Telephone Banking and in our branches.

Payment

Available currencies

Electronic transfer (urgent)

UAE dirham

Australian dollar

Canadian dollar

Swiss franc

Danish krone

Euro

Pound sterling

Hong Kong dollar

Indian rupee

Japanese yen

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

Cut-off time - Branch

Settlement date

How you can stop or change the payment

GBP

 
 

Within the EEA

15.00

13.00

16.30

Same day

Contact us on 0800 9 123 123 as soon as possible**
although we cannot guarantee the payment will be stopped

Euro

Within the EEA

11.30

11.30

14.30*

Same day

Contact us on 0800 9 123 123 as soon as possible**
although we cannot guarantee the payment will be stopped

SEPA - euro transfers

Within the EEA

14.30

13.00

16.30

Next business day

Contact us on 0800 9 123 123 as soon as possible**
although we cannot guarantee the payment will be stopped

USD

Within the USA
 

15.00

13.00

16.30

Same day

Contact us on 0800 9 123 123 as soon as possible**
although we cannot guarantee the payment will be stopped

All other currencies
 

Any country

15.00
 

13.00

16.30

Usually within four business days

Contact us on 0800 9 123 123 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 or in one of our branches.

Things to be aware of

  • When you visit a branch to request a foreign currency cheque it will be generated and handed to you straight away.

  • 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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