How do I send an international wire transfer?

What you need before you start

• Beneficiary's full legal name and address as held by their bank.
• IBAN or local account number.
• SWIFT / BIC of the beneficiary bank, and its branch address.
• For some corridors, a local routing code, purpose-of-payment code or the beneficiary's tax number.

Sending the payment

1. Open Transfers → International wire.
2. Enter or select the beneficiary and complete the bank details.
3. Enter the amount and choose the currency to send in.
4. Select who pays the correspondent charges — shared, or paid entirely by you so the beneficiary receives the full amount.
5. State the purpose of the payment. This is a regulatory requirement and a vague answer can delay the wire.
6. Review the rate, fees and estimated arrival, then approve with your one-time passcode.

Cut-off times

Wires submitted before the daily cut-off are released the same working day. Anything after that, or on a weekend or public holiday in either country, is released on the next working day.

Large or first-time wires may be held briefly for a compliance check. If we need anything from you, you will see a task in online banking and receive an email.