How do I make an international payment?

You can make an overseas payment in the Internet Bank or in branch. Unfortunately, you can’t do it in 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, address and Bank Identifier Code (BIC) of the bank receiving the funds
  • a card reader.

Payment costs and timings vary between countries.

Sending Euros to a European country

This is known as a SEPA payment and:


  • costs £9
  • can take up to 2 working days
  • 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

See a list of SEPA countries.

All other international payments

This is known as a SWIFT payment and:


  • costs £20
  • can take 4 working days 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 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, the transaction may not go through.

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

If you have a FlexOne, FlexStudent or FlexGraduade 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.

Make 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.
Log in to the Internet Bank

Note:

When you make 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.

Making an international payment in branch

You’ll need to bring:


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

Receiving an international payment

There’s no cost 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

Where can I find my BIC and IBAN?

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.