International payments

• your account details
• reason for the payment - some banks require this
• the following details about your beneficiary:
• full name and address
• bank code - usually a BIC (Business Identifier Code)
• IBAN (International Bank Account Number) or account number
• bank address
• payment reference if applicable.

Please make sure you give us all the correct information to avoid delays or incorrect payments (though we'll do our best to help and make reasonable efforts to recover the payment). If a payment is returned, you might get a different amount back because of other bank's charges and differences in exchange rates.

As part of our ongoing protection against fraud, one of our team might give you a call to re-confirm the payment.

Payment type	Online	Telephone
first direct to HSBC	£0Online	£0Telephone
first direct to any other bank	£0Online	£4Telephone

Payments to within the EEA

If you're sending money to another person in the EEA, you will pay our charges (shown in the table above) together with any intermediary and agency bank charges. You cannot pay charges for the other person.

Payments to outside the EEA

You have different options to; you pay all the charges, share the charges or for the beneficiary to pay all charges.

The charge(s) applied to the payment will depend on the charging option selected.

• If you opt to pay all the fees: The charges in the table above will apply together with any intermediary, agency and beneficiary bank charges.
• If you opt to share the fees: The charge in the table above will apply together with any intermediary and agency bank charges.
• If you opt the beneficiary to pay all fees: No charges will be applied.

The above charges will be deducted from the payment before we add them to the beneficiary's account where applicable.

	Online	Telephone
Payment limit	£50,000 or currency equivalent per dayOnline	UnlimitedTelephone

Payments to an account within the EEA will normally be credited by the next working day.

Payments to an account outside of the EEA could take up to 4 working days but may take longer depending on the country the payment is being sent to.

These are subject to further checks and currency cut off times as from time to time we may need to conduct additional security checks or validation of the payment. If you are sending money to secure an item e.g. for a purchase or investment, please ensure you give additional time for the payment to be received.

Immediate payment

If you've asked us to send money immediately, you can't cancel it - sorry.

Future dated or recurring payment

You can cancel a future-dated or recurring payment through Online Banking or by giving us a call. You have until 23.59 (UK time) on the working day before the payment is due to be made, to cancel it.

Immediate payment

For immediate payments, you'll be shown the exchange rate before you send any money - which you can choose to accept or reject. We will also write to you to let you know the exchange rate we applied to the payment, where applicable.

Future dated or recurring payment

For future dated or recurring payments, the exchange rate will be applied on the day the payment is made. You can check the actual exchange rate used for the payment via Online Banking or by giving us a call. We'll also write to you to let you know the exchange rate we applied to the payment, where applicable.