You can request us to make an overseas payment in the Internet Bank or at a branch. Unfortunately, you can’t do it on the Banking app just yet.


Information you need to make an international payment

To make an international payment, you must have:

  • the details of the person receiving the payment, including their name and address
  • their International Bank Account Number (IBAN) or account number
  • the name and address of the bank receiving the funds
  • Bank Identifier Code (BIC) of the bank receiving the funds if the payment isn't euros sent to a European country
  • a card reader.

Costs vary depending on payment type and the account you hold. Timings very between countries.


Sending euros to a country in the SEPA Zone

This is known as a SEPA payment and:

  • can take up to 1 working day
  • there’s no limit on how much you can send
  • you need to use your current account to send or receive a SEPA payment – you can’t use a savings account.

All other international payments

These are known as a SWIFT payments and:

  • we charge a transaction fee of £20
  • can take 1 working day or longer
  • there’s no limit on how much you can send
  • you need to use your current account to send or receive a SWIFT payment – you can’t use a savings account.

Make sure you have enough money in your account

You will need to have enough money in your account or a covering overdraft to pay the £20 fee, as well as the amount you are sending.

For example, if you were sending £100, you would need at least £120 in your account.

If you don’t have enough to pay the fee, we may refuse to make the payment.

If you have a FlexBasic account and you are making a SWIFT payment in UK pounds (£) to the European Economic Area (EEA) (opens in a new window), the £20 fee will be refunded the next working day after we send the payment.

If you have a FlexOne, FlexStudent or FlexGraduate account, there is no transaction fee.

Some countries ask for more details when you send money

To avoid your payment being delayed or rejected, check if you need to include extra information for your SWIFT payment.


Request an international payment in the Internet Bank

Take a second to protect yourself from fraud. Remember, if you willingly send money to someone we can’t always get it back for you.

  1. Log in to the Internet Bank.
  2. Click on the Move money tab.
  3. Find Other payments at the bottom of the screen.
  4. In the Make an international payment section, choose the account you want to use and click ‘Go’.
  5. Follow the on-screen instructions.

Note:

When you request an international payment in the Internet Bank, the exchange rate is quoted in the online form, so you know exactly how much money will be received.

When you ask us to make a payment to an account in an EEA country in euros or another EU/EEA currency, we will provide you with our charges for carrying out the currency conversion. These are calculated by comparing our standard outbound exchange rate against the latest foreign exchange reference rates issued by the European Central Bank (ECB).


Requesting an international payment in branch

You’ll need to bring:

  • your Nationwide current account card
  • a valid passport or driving licence
  • proof of address.

Receiving an international payment

There’s no transaction fee to receive an international payment.

You need to give the person sending money:

  • Your Bank Identifier Code (BIC). These are sometimes called 'SWIFT codes'. Nationwide's BIC is NAIAGB21.
  • The intermediary BIC. Our Intermediary Bank (HSBC) BIC is MIDLGB22.
  • Your International Bank Account Number (IBAN), which you can find in the Internet Bank or on your bank statements
  • Your full name and address.

How long it takes to get the payment depends on where it is coming from. You can only receive a SWIFT payment to your current account, not a savings account.