International payments

Ukraine fee waivers

We're temporarily waiving all fees to send international payments to Ukraine. Our normal exchange rates will apply if you ask us to send the payment in a different currency from your account.

From 14 September 2022, we’re changing our overseas delivery charges. These are the fees we charge you when you want to pay all the charges on a payment (known as an ‘OUR payment’). See our A to Z country list for a summary of all our overseas delivery charges.

This rate doesn’t reflect the final total payment.

We use mid-market rates (shown above) as reference exchange rates to determine the foreign exchange (FX) rate for most cross-currency payments or inter-account transfers.

The foreign exchange rate for a specific transaction amount is calculated by applying an FX margin to the reference exchange rate. You can find your FX margin by calling us or asking in branch.

We were unable to retrieve your foreign rate request. Please try again or contact us if this keeps happening.

Types of payment you can send to Europe
International payments in most currencies, or
SEPA payments in euros only
For euro payments, we’ll use the SEPA scheme where possible – see below.
You can also pay for goods or service in euros using a SEPA Direct Debit, but you’ll need to agree this with the person you’re paying.
SEPA payments
SEPA is a scheme designed to make euro payments faster and easier across the Single Euro Payments Area. We’ll use SEPA to send euro payments where possible and the person receiving the payment will get the money on the same day.
You can make SEPA payments, to these countries:
Austria, Andorra, Belgium, Bulgaria, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, the UK (including Guernsey and the Isle of Man)¹and Vatican City State.
See our A to Z country list for more details.

Options for payment, fees and fee options
When you send money to the European Union (EU) or the European Economic Area (EEA) in any currency, the payment will be sent using the shared charging option (also known as SHA).
This means you’ll pay our sending fee (when this applies), a £3 cover charge if the payment is in USD, and the person you’re sending money to will pay any other fees, which could include money deducted from the payment by a correspondent bank that sits between us and the bank you’re sending money to.
Making euro payments using SEPA means that charges won’t be deducted from your payment, but some banks may charge the recipient separately.
You can send payments using Online Banking, the Barclays app, from a branch, or using telephone banking if you have a business or Premier account with us.
If you have a personal, Premier or Wealth Management account, you won’t pay a fee when you send an international payment using Online Banking or your app.
If you make your international payment in a branch or by phone, you’ll need to pay a £25 fee, unless it’s a SEPA payment – those are fee-free.
How we charge for payments from business accounts depends on the tariff on your account and how you make the payment. See more about sending and receiving international business payments.
You can find out more about cut-off times and timescales for international payments in our A to Z country list. Our list says there’s no fee when you send payments to some countries – this only applies if you’re making a payment from a personal, Premier or Wealth Management account.
What you’ll need to make a payment
The name on the account you’re sending the money to – you need to include this in the payment instruction
The address of the person or business you’re sending money to
The address of the bank you’re sending money to (for branch payments)
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. Please ask them for this
SWIFTBIC code of the bank you’re sending money to (for non-SEPA payments only). Please ask them for this
When you make a payment using the SEPA Direct Debit option, the company receiving the payment needs to give your name and address on the payment instruction. If they don’t, the payment might be rejected.
Fees and charges
Our international payment fees
The fees for an international payment depend on how you’re making the transfer and the type of account you’re transferring it from.
If you make the payment
In the Barclays app or through Online Banking, there’s no charge if it’s made from a personal, Premier or Wealth Management account. If it’s made from a business account, we’ll charge you £15 per payment
In a branch or by Telephone Banking, we’ll charge you an international payment fee of £25 per payment, whatever type of account the payment comes from
Charges from other banks
A payment to the USA may be processed by several banks before reaching the account of the person or company you're paying. Any of these banks could charge for processing the payment, and this could affect the final amount received.

Payment options for fees and charges
If you’re making a payment in the Barclays app, you’ll need to pay all the fees and charges when you send the payment. This is known as an 'OUR payment'.
If you’re making a payment in Online Banking, Telephone Banking or in a branch, there are three ways you can manage the fees and charges.
Pay all the charges – this is known as an 'OUR payment'. If you choose this option, we ask any other banks involved to charge us rather than deducting their charges from the payment amount. We’ll charge you an additional fee to cover this, which we call an ‘overseas delivery charge’. You’ll pay this and our international payment fees (if any apply) when you make the payment, and the person you’re paying should get the full amount you send them
You can see the overseas delivery charge for each country in our A to Z country list.
Share the charges – this is known as a 'SHA payment'. You only pay our international payment fees (if applicable), and the person you’re paying pays the other charges. Their charges will probably be deducted from the payment amount, so they could get less than the amount you sent
Pay none of the charges – this is known as a 'BEN payment'. We deduct our international payment fees (if applicable) from the payment amount, and if other banks have charges, they’ll deduct them from the amount you’re paying, too. This means the person you’re sending the payment to will get less than the amount you sent
The information you’ll need to make a payment
The name, account number and address of the person or company you’re paying
The bank SWIFTBIC code (or ABA routing code, if applicable) of the person or company you’re paying – please ask them for this
Where you can send international payments
You can make payments to more than 200 countries worldwide, in over 50 different currencies.
In a branch, you can make payments to any of the destinations in our A to Z country list.
If you’re sending money to Algeria, Bangladesh, Colombia, Egypt, Ethiopia, Falkland Islands, Georgia, Nepal or Uruguay, you’ll need to go to a branch to make your payment – please see our A to Z country list for more details.
You can make payments to most of the other destinations in America, Central and South America, Africa, Asia and Australasia in Online Banking.

If you're a Premier or business customer, you can also give us a call to make a payment – just get in touch with your usual contact. Learn more on our sending money abroad page.
Fees and charges
Our international payment fees
The fees for an international payment depend on how you make it and the type of account it’s paid from.
If you make the payment
In the Barclays app or through Online Banking, there’s no charge if it’s made from a personal, Premier or Wealth Management account. If you make the payment from a business account, we’ll charge you £15 per payment
In a branch or by Telephone Banking, we’ll charge you £25 per payment from any account
Charges from other banks
When you make an international payment, it may be processed by one or more other banks before it reaches the bank of the person or company you’re paying. Any of these banks could charge for processing the payment, and this could affect the final amount that’s received.

Payment options for fees and charges
If you're making a payment to Canada, Switzerland, South Africa or the United Arab Emirates (UAE) through the app, you'll pay all the fees and charges when you make the payment. This is known as an 'OUR payment'.
If you’re making a payment in Online Banking, Telephone Banking or in a branch, there are three ways you can manage the fees and charges, regardless of the destination.
Pay all of the charges/OUR – if you choose this option, we’ll ask any other banks involved to charge us rather than deducting their charges from the payment amount. We’ll charge you an additional fee to cover this, which we call an 'overseas delivery charge'. You’ll pay this and our international payment fees (if applicable) up front when you make the payment, and the person or company you’re paying should receive the full amount you send them.
You can see the overseas delivery charge for each country in our A to Z country list.
Share the charges/SHA – you’ll only pay our international payment fees (if applicable), and any other charges will be paid by the person or company you’re paying. This will probably be deducted from the payment amount, so they could receive less than the amount you sent
Pay none of the charges/BEN – we’ll deduct our international payment fees (if applicable) from the payment amount, and if other banks have charges, they’ll deduct them. This means the person or company you're sending the payment to will receive less than the amount you sent
When you make an international payment, it may be processed by one or more other banks before it reaches the bank of the person or company you’re paying. Any of these banks could charge for processing the payment, and this could affect the final amount received.
The information you’ll need to make a payment
The name, account number and address of the person or company you’re paying
The bank SWIFTBIC code (or ABA routing code, if applicable) of the person or company you’re paying – please ask them for this
What you need
Your IBAN (How to find your IBAN)
Barclays UK SWIFTBIC code, which is BUKBGB22
How much it costs
It costs £6 to receive each overseas payment, for amounts over £100 (apart from SEPA and euro payments from the EEA, which are free).
You won’t be charged if the person sending the payment has already agreed to pay the fee.
After Brexit, some payments from the EEA might take longer to arrive, as the bank sending the payment might not be bound by payment processing times anymore.
Viewing payments
You can view the overseas payments you send and receive quickly and easily in Online Banking. You can also see certain payments in the Barclays app.

A–Z country list

How to send money, the currencies available, how long payments take and payment fees.

International payments

Fees and charges

Our international payment fees

Charges from other banks

Payment options for fees and charges

The information you’ll need to make a payment

Where you can send international payments