To send an international payment
Make sure you have the correct details for the person you're paying, including:
- Their full name and account number or IBAN.
- Their bank’s BIC.
- Any routing code or other information required by the destination country.
- For Mexican peso payments, the beneficiary’s 18 digit CLABE account number.
The simplest way to send an international payment is to use Online Banking – take a look at the sections below to learn more.
- 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
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
- in Polish Zloty, to Poland.
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, US Dollars or Polish Zloty 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, US Dollars or Polish Zloty 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
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:
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.
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.
|Payment type||Cut-off time (branch)||Cut-off time (contact centre)||Cut-off time (online)||When the money usually arrives at the recipient’s bank|
|Sending money within the UK by CHAPS||4.30pm*||1.00pm||N/A||Same working day|
|Sending money outside the UK in pounds||4.30pm||1.00pm||3.00pm||Next working day|
|Sending money outside the UK not in pounds, euros or US Dollars||4.30pm||1.00pm||3.00pm||May take up to 4 working days**|
|Sending money either inside or outside the UK in euros***||2.30pm***||11.30am||11.30pm||Within the EEA – same working day|
Outside the EEA – usually within 4 working days
|Sending money within the SEPA in euros using non-urgent method||4.30pm||1.00pm||2.30pm||Next working day|
|Sending money either inside or outside the UK in US Dollars||4.30pm||1.00pm||3.00pm||Within the UK/US – same working day|
Outside the UK/US – usually within 4 working days
* Please note the cut off time may be later for branches that open beyond 5.00pm.
** This will depend on the currency and destination of your payment. Please see the Frequently Asked Questions on our website or ask a member of our staff.
*** Please note that a cut off time of 1pm may apply to a small number of banks. Any payments made after this time will arrive the next working day.
How you can stop or change a payment?
Contact us on 0800 9 123 123 as soon as possible. We’ll see if we can help, although we can’t guarantee the payment will be stopped.
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.
Requesting a foreign currency cheque/ draft
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:
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.
Paying in a foreign currency cheque/ draft
You will need to:
- Sign the back of the cheque/ draft and include the sort code and account number you want it to be paid into
- Make a copy of the cheque/ draft for your own records
- Send the original to: Santander UK FCD Team, 1st Floor - Ops Block, Bridle Road, Bootle, Merseyside L30 4GB.
For the Terms & Conditions of paying in a foreign currency cheque/ draft please see General Terms & Conditions (pdf)
- Paying a foreign cheque into your account costs £10.
- There are a couple of ways to clear a foreign cheque. We’ll decide which one to use based on the value, currency and country the cheque is drawn on.
- Payment by negotiation can be used when criteria can be met.
- The funds will normally be made available to you after six working days.
- Payment by collection is used if certain criteria means the cheque can’t be paid by negotiation;
- The funds will be credited to your account when the cheque is paid. This is normally between 2-8 weeks, depending on the foreign bank.
- If we pay by collection we will usually have to use the services of another bank (called a correspondent bank) to deal with the cheque for us. Their costs will be deducted from the final amount paid into your account.
- We will not accept liability for any foreign cheques until they have been received by the Santander UK Foreign Cheque Team.
- If we receive a foreign cheque but can’t process it, we’ll return the cheque to you with the reason as soon as possible.
- The exchange rate used in converting the cheque from the foreign currency into pounds will be on the date of processing for cheques paid by negotiation, and on the day we receive settlement from the drawing bank for cheques paid by collection.
- A £5 charge for our costs in dealing with the unpaid cheque.
- If there have been any other charges incurred for the unpaid cheque, for example Correspondent bank charges, these will debit your account and we will write to you about any charges as soon as possible after they debit. This applies to both Negotiated and Collected cheques.
- If the cheque is returned unpaid and we have already credited your account, the value of the cheque will be debited using the exchange rates which apply on the day the cheque debits. This means that the amount that goes out of your account could different to what was originally received.
Fraudsters send foreign cheques and ask for money to be returned or forwarded once funds have been made available. After the funds are returned or forwarded, the cheque then bounces leaving the customer out of pocket.
Please let us know if:
- The cheque is a payment for goods or services and exceeds the value of the goods/services being provided.
- The buyer has asked to return or forward any overpayment once the cheque has cleared.
- The cheque has cleared, but the person is now asking for the money to be returned.
- An online friend has asked you to cash a foreign cheque and forward them the money.
If any of the above has happened, please don’t send any funds and contact our Security Team immediately on 0800 9 123 123. Our Security Team are available 24 hours a day, 7 days a week, so we can take immediate action to protect you.
The funds from a foreign cheque may be debited after they have been credited to your account. The reasons for this are:
It can take 2-8 weeks for a non-fraudulent foreign cheque to clear. The cheque can bounce for any reason in this time.
Even after 8 weeks a foreign cheque can bounce up to a maximum of 7 years from the date of issue, if fraud is identified by the issuing bank.
Therefore we can’t provide an absolute guarantee that a foreign cheque won’t bounce for up to 7 years after it's issued.