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.
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.
-
Fees, charges and payment limits
Payment limits
If you use your Barclays app or Online Banking to make a payment, limits will apply, and these limits might be lower than your payment amount. However, splitting your payment across multiple smaller transactions to stay within these limits might result in higher fees. This is because our exchange rates are typically better for higher value transactions, so you might get a better rate by paying with a different method. Please. Please check our limit page before deciding how to make your payment.
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 our 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 – 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 – 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, charges and payment limits
Payment limits
If you use your Barclays app or Online Banking to make a payment, limits will apply, and these limits might be lower than your payment amount. However, splitting your payment across multiple smaller transactions to stay within these limits might result in higher fees. This is because our exchange rates are typically better for higher value transactions, so you might get a better rate by paying with a different method. Please check our limit page before deciding how to make your payment.
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 – ask them for this
-
What you need
- Your IBAN (How to find your IBAN)
- Barclays UK SWIFTBIC code, which is BUKBGB22
How much does it cost?
There are two potential costs for receiving an international payment – an inward payment charge and a currency conversion charge.
Payment charges
The below payment charges apply to international payments you receive. The person sending the payment can choose to pay all bank charges when they send the payment from their account. If they do this, we won’t charge a fee.
Payment type Charge SEPA and euro payments from the EEA Free Payments up to and including £100 Free Payments over £100 £6 Foreign exchange rate conversion charges
If we need to convert the payment into another currency, we’ll use the latest Barclays Reference Exchange Rate and will apply a currency conversion charge.
The conversion charge we apply will be no greater than:
- 2.75% for Personal and Premier customers
- 2% for Business customers.
For transactions above £25,000 the conversion charge will reduce further as the amount increases.
What is the Barclays Reference Exchange Rate?
The Barclays reference exchange rates are set by us and based on market exchange rates. The rate depends on the type of currency you want to exchange. You can find our rates on Online Banking, Telephone Banking or in the Barclays app.
How to view your payments
Your monthly statement will show the amount of money credited to your account on the day it was credited to you. You'll also see this in your transactions in your Barclays app or online banking.
For transactions involving a currency conversion, we’ll send you all the details, including the original amount and foreign exchange rate we applied, in the 'Statements and documents' section of your Barclays app or Online Banking, or by post.
