International Money Transfer | Bank Transfers

HSBC UK
International services
International payments

An easy, quick way to send and receive money worldwide

An international money transfer is a safe, secure way to send money to a bank account in another country or region. With HSBC you can do it securely online, any time and in local currency. Plus, we only use up-to-date exchange rates during market hours and don't hide any of our fees.¹

Get started

Send money around the world

Make international payments 24/7 in online banking, whether it's going to an HSBC account or another bank.

Send up to £50,000 (or the currency equivalent) online or on mobile, and up to £10,000 (or the currency equivalent) over the phone (£10 million if you're a Premier customer)
Send an unlimited amount in one of our branches
Set up regular or future overseas payments in online banking

Get fair and simple fees

Get peace of mind knowing how much it'll cost to send money internationally with us.

Send money without any HSBC fees when you transfer to another HSBC account or when you pay in euros to somewhere in the European Economic Area (EEA)²
If you're sending money in any currency outside the EEA, or to somewhere in the EEA in a currency other than euros, pay a £5 HSBC fee

Know how much you're sending

Send money confidently online around the world, whenever you're sending it, with our live exchange rates.

Send money to over 150 different destinations
Make payments in local currency with competitive real-time rates during market hours, so you know exactly how much you're sending and receiving

Sending and receiving money outside the UK

How it works

To send money online, over the phone or in a branch, you'll need:

the amount you're sending – you can pay in sterling or in the local currency
the name on the account you’re sending the money to – you'll need to include this in the payment instruction
the bank code (SWIFT or BIC) of the bank you’re sending money to
the IBAN or account number of the person or business you’re sending money to – this has the information we need to send a payment overseas
the address of the person or business you’re sending money to
the address of the bank you’re sending money to
a reason for the payment - this helps us avoid delays
a payment reference

It's a good idea to check all the details are right before making a payment. If anything is wrong, we'll do our best to refund the payment, but this isn't guaranteed.

You can receive money in sterling or another currency. If the money is in a different currency to the one your account is held in, we'll convert it using the most up-to-date exchange rate before crediting it to your account.

To help make sure you receive money as quickly as possible, the bank sending the payment to you will need your:

personal details
Swift Code or BIC
IBAN or account number

From the 'Accounts' screen, select the account you want to view the IBAN and BIC for.
Select ‘Statements’, then on any recent statement. Your IBAN and BIC will be on your statement.

If you have an HSBC Currency Account, you can find your IBAN and BIC by logging on to online banking and selecting 'Details’ from your Currency Account transactions.

Finding your IBAN and BIC

Your International Bank Account Number (IBAN) and Bank Identifier Code (BIC) are your account number and sort code written in a standard format that can be used worldwide. They help us to process your international payments automatically.

Your IBAN and BIC are on your paper statements, but you can find them when you log on to online banking or mobile banking, then:

From the 'Accounts' screen, select the account you want to view the IBAN and BIC for.
Select ‘Statements’, then on any recent statement. Your IBAN and BIC will be on your statement.

If you have an HSBC Currency Account, you can find your IBAN and BIC by logging on to online banking and selecting 'Details’ from your Currency Account transactions.

Send money online

Log on to online banking.
Add your friends and family as payees if you haven't already.
Select 'Pay and Transfer', then choose the account you want to make the payment from.
Enter the payment details and follow the on-screen instructions.
If you're sending money outside the UK for the first time, authorise the transaction using your Secure Key.
Review and confirm your payment.

If you haven't set up online banking yet, register now to make an international payment.

Send money using a Digital Secure Key

Log on to online banking.
On your Secure Key, select the transaction tab.
Enter the last 4 digits of the payee's account number or IBAN followed by the full payment amount unconverted, ignoring any letters or special characters and the decimal point. For example, if you're sending £3000.15 and the IBAN code is UK64HSBC4005A678, enter 5678300015.
Generate your 6-digit transaction code using fingerprint or face ID, or your Digital Secure Key password.
Select 'Continue' in online banking to complete your payment.

Send money using a Physical Secure Key

Press and hold the green button to turn your Secure Key on, then enter your PIN.
When 'HSBC' displays, press the yellow button.
Enter the last 4 digits of the payee's account number or IBAN followed by the full payment amount unconverted, ignoring any letters or special characters and the decimal point.
Press the yellow button to generate your 6-digit transaction code.
Log on to online banking and enter the code, then select 'Continue' to complete your payment.

Send money to an existing payee using the app

The first time you send money to someone outside the UK, you'll need to use online banking. Then, you'll be able to make international payments to those existing payees using your mobile app.

Log on to your HSBC UK mobile banking app.
Select 'Move Money'.
Select 'International Payments - Send money outside the UK'.
On the 'From' screen, select the account you're sending the money from.
On the 'To' screen, select the person you're paying. They'll need to be an existing payee.
Enter the amount you want to send. You can choose to pay, share or pass the fees to the payee. Select the '?' (help) icon next to each option to find out more about them.
Once you've chosen to pay, share or pass, select 'Continue'.
Check that all the payment details are correct on the 'Review' screen, then select 'Confirm'.
The 'Total debit amount' will appear, showing you how much we'll debit from your account. The amount you're sending and the sending fee will show separately. Select the 'X' when you're ready.
The 'Confirmation' screen will show that we've received the instruction, as well as the payment details.

If you're having trouble, you can find more support on our help page.

To send money by phone, call us on 03457 404 404, or +44 1226 261 010 if you're calling from outside the UK.

If you're an HSBC Premier customer, call us on 03457 707 070 or +44 1226 260 260 if you're calling from outside the UK.

Our lines are open 24 hours a day for HSBC Premier and Advance customers, and from 08:00 to 20:00 every day (except for Christmas Day, Boxing Day and New Year's Day) for all other customers.

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Make a payment in branch

When making an international payment in one of our branches, please bring the following with you:

photographic identification
beneficiary details
payment details

Find a branch

If you're sending money to the EEA² in euros or sterling, it should reach the account the next working day.

Sometimes, it may take longer if we need to make extra security checks to validate payments. For example, if you’re sending money to secure a property or for investment.

Payments outside the EEA can take up to 4 working days. They may take longer, depending on the destination and if the payment falls on a bank holiday.

To set up or cancel future-dated or recurring payments in online banking, select 'Manage payments - future payments' in 'Send Money Overseas'.

You can request to cancel any time up to 23:59 (UK time) on the day before the payment is due to be made.

We can't cancel a payment if you've asked us to make it immediately.

How much it costs

It's free to send money from HSBC to HSBC and to another bank if it's in euros and within the EEA². Otherwise, it's £5 for HSBC to any other bank if you send money online. This applies to recurring and future payments, too.

Payment fees
Payment type	Online	Branch	Phone	Post
HSBC to HSBC	£0	£0	£0	£17
Euros within the EEA	£0	£0	£0	£17
Euros outside the EEA or any other currency in or outside the UK	£5	£5	£5	£5

Payment fees
Payment type	HSBC to HSBC
Online	£0
Branch	£0
Phone	£0
Post	£17

Payment type	Euros within the EEA
Online	£0
Branch	£0
Phone	£0
Post	£17

Payment type	Euros outside the EEA or any other currency in or outside the UK
Online	£5
Branch	£5
Phone	£5
Post	£5

Payments within the EEA

If you’re paying someone in the EEA², you'll be charged the fees shown above and any intermediary and agency bank charges. You can't pay charges for the other person.

From 1 January 2021, the bank you're sending the money to may apply higher charges than it did before the UK left the EU. HSBC UK charges haven't changed.

We recommend checking what charges the other bank applies. These charges may be taken from the amount you’ve sent.

Payments outside the EEA

For payments outside the EEA, you can either:

pay all the fees. You'll pay the charges in the table above and any intermediary, agency and beneficiary bank charges, which can be applied later
share the fees. The charge in the table above will apply – together with any intermediary and agency bank share charges, which can be applied at a later date

If you choose the beneficiary to pay all the fees, no charges will apply.

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

If we send money to or receive money from places outside the EEA, we may use an intermediary bank. They and the receiving bank may also impose charges, which could include payments sent through, or to, another HSBC bank.

First, check which charging option the person sending you money has chosen. They can choose to:

pay all the fees
share the fees with you, which means you'll pay the charge(s) in the table below
ask you to pay all fees - you'll pay the charges in the table below and any intermediary and agency bank charges

Receiving payments in foreign currency
Payment type	Fee
Euros from the EEA	£0
Less than £100 in another currency, or euros from outside the EEA	£5
More than £100 in another currency, or euros from outside the EEA	£5

Receiving payments in foreign currency
Payment type	Euros from the EEA
Fee	£0

Payment type	Less than £100 in another currency, or euros from outside the EEA
Fee	£5

Payment type	More than £100 in another currency, or euros from outside the EEA
Fee	£5

Receiving sterling payments
Amount	Fee
Less than £100	£5
£100 or more	£5

Receiving sterling payments
Amount	Less than £100
Fee	£5

Amount	£100 or more
Fee	£5

If we can, we'll take away the charges from the payment before we credit them to your account. Any charges will show in your statement.

You'll always share fees for payments you receive in euros from an EEA country or region via SEPA (Single Euro Payments Area). You'll only pay HSBC’s receiving fee, and the sender will pay all of the other charges

Get started

Log on to online banking to start sending money internationally 24/7.

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The small print

1. Some charges by intermediary banks may apply, but we won't know what they are until after the payment is made.

2. Countries within the EEA include Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Iceland, Ireland, Latvia, Lithuania, Liechtenstein, Luxembourg, Malta, Norway, Netherlands, Poland, Portugal, Romania, Spain, Slovakia, Slovenia and Sweden.

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HSBC Personal Banking Terms and Conditions and Charges (PDF, 1.4MB)

International payments

An easy, quick way to send and receive money worldwide

Send money around the world

Get fair and simple fees

Know how much you're sending

Sending and receiving money outside the UK

How it works

What you need to send money outside the UK

What you need to receive money from outside the UK

How to send money outside the UK

How to set up and cancel recurring or future payments

How much it costs

Sending money outside the UK

Receiving money outside the UK

Get started

Not registered yet?

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The small print

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