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.

To make an international payment, you must have the following:

  • 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.

Hints and tips:

Any bank or building society’s card reader will work, as long as it accepts your debit card - it's equally safe and secure.

Bear in mind, payment costs and timings vary between countries

Sending Euros to a European country

This costs £9 and can take up to 2 working days. This type of international payment is known as a SEPA payment. There’s no limit on how much you can send. Here's a list of SEPA countries.

All other international payments

These cost £20 and can take 4 working days or longer – they’re known as SWIFT payments. There’s no limit on how much you can send.

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.


You can't use your savings account to send or receive a SWIFT or SEPA payment - you'll need to use your current account.

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


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.

Don’t have internet banking?

You can make 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 just have to give the payee your BIC and IBAN. The time it takes to receive a payment depends on where it’s coming from.

Where can I find my BIC and IBAN?

The person sending the money will need your BIC and IBAN. It’s free to receive an international payment. How long it takes depends on where the payment is coming from.