Global business payments in 170+ countries

The time it takes for an international transfer to go through depends on the payment method and destination. For SWIFT payments, transfers typically settle within two business days. Local payment methods are usually quicker, with transactions often completed within minutes, or at most, within 24 hours. However, in certain situations, transfers may experience delays due to compliance reviews or regulatory checks.

To send an international bank transfer, you'll need the recipient’s full name as registered with their bank, along with their bank name and address. You’ll also need their account number or IBAN (if they’re in a country that uses IBANs), as well as the bank’s SWIFT/BIC code. In some cases, you may also need a sort code or routing number, depending on the country. Adding a payment reference is optional, but it can be helpful for tracking the transfer.

It really depends on what you need from the transfer. SWIFT payments are widely accepted and secure, but they can be more expensive and take longer to process. If speed and lower fees are your priority, local payment methods are often the better choice, especially when sending money within the same currency. If both options are available, it’s always worth checking which one works best for your specific transfer.

We charge two main types of fees on payments: a transaction fee and an FX fee. Transaction fees apply to all external transfers, while a fixed FX fee is charged whenever you convert currencies, regardless of the currency pair involved. These fees are transparently presented at the time of the transaction.