International payments

Ukraine fee waivers

We are 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.

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 bank you’re sending money to.
Make 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.
Payment options and fees
You will only be able to send an international payment to the USA.
If you make an international payment at a branch or by Telephone Banking, there’s a £25 fee per payment. If you have a Personal or Premier account with us, international payments are free providing you make them from Online Banking or the Barclays app. If you have a Business account, there’s a £15 charge per SEPA payment.
Sometimes when an international payment is processed, a foreign bank, such as the correspondent bank, may take a fee to process the payment and send it to the beneficiary, or to us, if we are receiving the payment. These charges are known as Overseas Delivery Charges.
There are three charging options the sender of a payment can select.
OUR: Our customer will pay all related charges to a payment they've made – including their bank charges and any overseas delivery charges. The beneficiary should receive the full value of the payment without additional charges being taken
SHA: Our customer will only pay their charges – the beneficiary will pay all other charges and may receive less than originally sent. This is the default option for payments sent to Europe in Sterling, Euros or Local Currency and can't be changed
BEN: The beneficiary will pay all charges related to the payment. Our fee for sending a payment will be deducted from the amount of the payment before it’s sent. Any other charges, such as an Overseas Delivery Charge or Beneficiary Bank charge, will also be deducted before the beneficiary receives the money.
Sometimes, additional charges are taken from payments beyond our control by foreign banks. If the beneficiary receives less than expected, the charging option selected should be reviewed or the beneficiary should contact their bank.
What you’ll need to make a payment
The name on the account you’re sending the money to
The recipient's address
The address of the bank you’re sending the money to (branch and Telephone Banking payments only)
The recipient banks SWIFTBIC code, please ask the recipient for this
Some US banks require an ABA routing code (instead of a SWIFTBIC code), if necessary please ask the recipient for this
There are sometimes additional requirements depending on the destination country and currency. Please refer to our A–Z country list for further information.
Where you can send money
You can send money to over 200 countries worldwide, in over 50 currencies.

You can make payments in Online Banking to the majority of these countries, which span America, Central and South America, Africa, Asia and Australasia.

You can also make all of these payments in branch.

There are a small number of countries that you can only send money to by visiting a branch. These include Algeria, Bangladesh, Colombia, Egypt, Ethiopia, Falkland Islands, Georgia, Nepal and Uruguay.
Please refer to our A–Z country list for more details.

If you're a Barclays Premier customer, you can also give us a call to make a payment.
Payment options and fees
You will only be able to send an international payment to the rest of the world.
If you make an international payment at a branch or by Telephone Banking, there’s a £25 fee per payment. If you have a Personal or Premier account with us, international payments are free providing you make them from Online Banking or the Barclays app. If you have a Business account, there’s a £15 charge per SEPA payment.
Sometimes when an international payment is processed, a foreign bank, such as the correspondent bank, may take a fee to process the payment and send it to the beneficiary, or to us, if we are receiving the payment. These charges are known as Overseas Delivery Charges.
There are three charging options the sender of a payment can select.
OUR: Our customer will pay all related charges to a payment they've made – including their bank charges and any overseas delivery charges. The beneficiary should receive the full value of the payment without additional charges being taken
SHA: Our customer will only pay their charges – the beneficiary will pay all other charges and may receive less than originally sent. This is the default option for payments sent to Europe in Sterling, Euros or Local Currency and can't be changed
BEN: The beneficiary will pay all charges related to the payment. Our fee for sending a payment will be deducted from the amount of the payment before it’s sent. Any other charges, such as an Overseas Delivery Charge or Beneficiary Bank charge, will also be deducted before the beneficiary receives the money.
Sometimes, additional charges are taken from payments beyond our control by foreign banks. If the beneficiary receives less than expected, the charging option selected should be reviewed or the beneficiary should contact their bank.
What you’ll need to make a payment
The name on the account you’re sending the money to
The recipient’s address
The address of the bank you’re sending the money to (branch and Telephone Banking payments only)
The recipient banks SWIFTBIC code, in most instances – please ask the recipient for this
Some countries and overseas banks require additional codes.
These additional requirements depend on the destination country and currency.
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

Payment options and fees

A–Z country list

Important information