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International Money Transfer

Send money abroad quickly and securely

Transferring money abroad? At HSBC we've made it convenient, quick and easy for you to make your International Money Transfer.

  1. Log on to Online Banking
  2. Select 'Move Money'
  3. Enter payment details
  4. Review and Confirm your payment 

     

Key Benefits

  • Easy & Convenient
    Available 24/7 via Online Banking - send up to £50,000 or currency equivalent in a matter of minutes. We've also made it easy for you to set up future dated and recurring payments.
  • Simple Fees
    Send money online for just £4. There's no payment fee at all if you transfer to another HSBC Account.
  • Exchange Rate Certainty
    With live rates updated by the second during market hours, we'll provide you with our most up to date foreign exchange rate available - providing you with the certainty and visibility of how much you're sending.
  • Safe & Secure
    Using your own bank means you'll have peace of mind knowing that your transaction is secure.

Sending an International Money Transfer

Whether you’re sending money to your family and friends, or buying, renting or maintaining a property abroad, whatever the reason, HSBC are here to help make doing this quick, easy and convenient.

We will offer you the most up to date HSBC Exchange Rate available using our live rates for all International Payments sent in foreign currency, this way you can be certain of the exchange rate applied to your payment.

Remember that by sending your payment in foreign currency you will have the certainty and visibility of how much you're sending.

Things you need to know before making a payment

International Money Transfer

We'll make your International Money Transfer using the details you provide to us, so it's really important you check they are correct to avoid any unnecessary delays and / or charges.

Before you can make an International Money Transfer it's important that you have the following details to hand about the beneficiary and payment:

  • Your own account details
  • Beneficiary's full name and address
  • Beneficiary's bank code 
    (You should obtain this code, normally the Business Identifier Code (BIC), from your beneficiary. For some countries you may need the national bank code rather than the BIC.)
  • IBAN (International Bank Account number) or account number
    (The IBAN is a series of alphanumeric characters that helps to identify accounts held anywhere in the world. Not all beneficiaries will have an IBAN instead they may hold just an account number depending on their bank. You should obtain this information from your beneficiary.)
  • Country of their bank
  • Amount of the payment
  • Reference (if applicable)
  • Reason for making the payment
     

Useful information

How much will it cost? 
HSBC Bank Payment fees:

 
Payment type
Online  Branch  Telephone 
HSBC to HSBC £0  £0  £0 
HSBC to any other bank £4  £9  £9 


For all International Money Transfers, the beneficiary's bank, and any foreign bank we may use to send the payment, may also take a charge. You'll only have to pay these charges if you choose 'sender to pay all charges' when you request your payment.

 

How much can I send? 

Online
Branch  Telephone 
£50,000 (or currency equivalent)        
Unlimited

Premier - Unlimited

 

Non-Premier £10,000 (or currency equivalent) 

 

How long will it take?
Payments to an account within the EEA will normally be credited next working day*

Payments to an account outside of the EEA will normally take up to 6 Working Days*, but may take longer depending on the country the payment is being sent to.

* subject to currency cut off time and further checks as from time to time we may need to conduct additional security checks and validation of the payment.

 

How can I cancel my payment instruction?
If you've asked us to make a payment immediately, you will be unable to cancel it.

Receiving money from abroad

At HSBC we understand you may need to receive payments into your account from abroad - it’s possible for you to receive these payments in either foreign currency or Sterling.

If a payment is received in a different currency to what your account is
held in, we'll convert it using the HSBC Exchange Rate at that time, before crediting it to your account.

We will provide you with the most up to date HSBC Exchange Rate available.
 

Receiving money from abroad

Things you need to know before receiving a payment

The overseas bank sending the payment to you will need to know the following information about the account you wish to be credited - providing this information will help to ensure that the payment happens as quickly as possible;

  • Your personal details 
  • SWIFT Code (The HSBC SWIFT code is MIDLGB22)
  • IBAN (International Bank Account Number) or account number
    (The IBAN is a series of alphanumeric characters that helps to identify accounts held anywhere in the world. Not all beneficiaries will have an IBAN instead they may hold just an account number depending on their bank. You should obtain this information from your beneficiary.)
  • BIC (Business Identifier Code)

 

Useful information

How much will it cost? 
It is important for you to understand from the sender which charging option they have selected when making this payment to you.

 

Payments from within the EEA
The sender will pay the outward payment charge (charged by their bank) and you will pay any intermediary, agency and inward payment charges. (Shared charges)

 

Payments from outside the EEA

The sender has different options to; pay all the charges, share the charges or for you to pay all the charges.

The charge(s) applied to the payment will depend on the charging option selected by the sender.

  • If the sender opts to pay all the fees: No charges will be applied
  • If the sender opts to share the fees: The charge in the table below will apply.
  • If the sender opts for you to pay all fees: The charges in the table below will apply together with any intermediary and agency bank charges and will be deducted from the payment before it is credited
Payment type Payment amount Charge 
Non-sterling electronic payments £100 or more £8 each 
Non-sterling electronic payments
Under £100 £0 each 
Sterling electronic payments from banks outside the UK or Channel Islands & Isle of Man
£100 or more £6 each 
Sterling electronic payments from banks outside the UK or Channel Islands & Isle of Man
Under £100 £0 each 


The above charges will be deducted from the payment before we add them to your account where applicable. We will write to you to advise of any charges applied to an inward payment you receive.

Setting up a future dated or recurring payment

We know our customers may have regular financial commitments overseas such as maintaining or renting a property, or may have family living or studying outside of the Channel Islands & Isle of Man. Whatever your needs, HSBC have made it easy for you to set up future dated and recurring International Payments online. You can now create a payment up to a year in advance and also have the option to set up recurring payments for the same beneficiary.


For future dated and recurring international payments sent in foreign currency, the exchange rate used will be the HSBC Exchange Rate applicable at the time your payment is processed. And remember, if you set up your payment to be sent in Sterling to a non-Sterling account we cannot predict the exchange rate which will be used by the receiving bank. 

Recurring Payment

With live exchange rates updated by the second during market hours, for payments sent in foreign currency, you can be certain the most up to date HSBC Exchange Rate will be applied to your payment.

Things you need to know before setting up a payment

We'll make your International Money Transfer using the details you provide to us, so it's really important you check they are correct to avoid any unnecessary delays and / or charges.

Before you set up your future dated or recurring payment it's important that you have the following details to hand about your beneficiary and payment:

  • Your own account details 
  • Beneficiary's full name and address 
  • Beneficiary's bank code 
    (You should obtain this code, normally the Business Identifier Code (BIC), from your beneficiary. For some countries you may need the national bank code rather than the BIC.)
  • IBAN (International Bank Account number) or account number
    (The IBAN is a series of alphanumeric characters that helps to identify accounts held anywhere in the world. Not all beneficiaries will have an IBAN instead they may hold just an account number depending on their bank. You should obtain this information from your beneficiary.)
  • Country of their bank 
  • Amount of the payment 
  • Reference (if applicable)
  • Reason for making the payment

 

Useful information

How to cancel a future dated or recurring payment?
You can cancel a future dated or recurring international money transfer set up online by selecting 'Manage payments - future payments' in Send Money Overseas via Online Banking. We will need to have received your request to cancel by 23.59 (UK Time) on the day before the payment is due to be made 

 

How much will it cost?

HSBC Bank Payment fees
Currently this option is only available online when logged into Online Banking 

Payment Type
Online 
HSBC to HSBC
£0 
HSBC to any other bank
£4 

 

For all International Money Transfers, the beneficiary's bank, and any foreign bank we may use to send the payment, may also take a charge. You'll only have to pay these charges if you choose 'sender to pay all charges' when you request your payment.

Beneficiary banks may charge for receiving International Money Transfers.

 

How can I set up a future dated or recurring payment?
Currently this option is only available online when logged into Online Banking.

 

How long will it take?
Payments to an account within the EEA will be credited next working day*

Payments to an account outside of the EEA up to 6 working days*, but may take longer depending on the country the payment is being sent to

*subject to currency cut off times and further checks as from time to time we may need to conduct additional security checks and validation of the payment

 

How can I check the HSBC Exchange Rate applied?
For future dated payments, the exchange rate will be applied on the day that the payment is made.
You can check the actual exchange rate used for the payment by viewing "Historic payments" within Manage payments.
We will also write to you to advise of the exchange rate applied to the payment where applicable.

By Phone

If you are a HSBC Premier or Advance customer, call us on:
03456 00 61 61
If you are outside the UK, Channel Islands & Isle of Man please call +44 1470 697 139
Lines are open 24 hours a day

 

If you are not an HSBC Premier or HSBC Advance customer, call us on:
03456 00 61 61
If you are outside the UK, Channel Islands & Isle of Man please call +44 1470 697 139
Our lines are open from 8am to 10pm every day

 

If you require our textphone services, call us on:
03457 125563
If you are outside the UK, Channel Islands & Isle of Man please call +44 207 088 2077
Our lines are open from 8am to 10pm every day

 

In Branch

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

  • Photographic Identification
  • Beneficiary Details
  • Payment Details

Important information

Before you make your International Payment, please take the time to read the following documents. You may also want to save them for future reference:

Transferring money abroad? At HSBC we've made it convenient, quick and easy for you to make your International Money Transfer.

  1. Log on to Online Banking
  2. Select 'Move Money'
  3. Enter payment details
  4. Review and Confirm your payment 

     

Key Benefits

  • Easy & Convenient
    Available 24/7 via Online Banking - send up to £50,000 or currency equivalent in a matter of minutes. We've also made it easy for you to set up future dated and recurring payments.
  • Simple Fees
    Send money online for just £4. There's no payment fee at all if you transfer to another HSBC Account.
  • Exchange Rate Certainty
    With live rates updated by the second during market hours, we'll provide you with our most up to date foreign exchange rate available - providing you with the certainty and visibility of how much you're sending.
  • Safe & Secure
    Using your own bank means you'll have peace of mind knowing that your transaction is secure.

Sending an International Money Transfer

Whether you’re sending money to your family and friends, or buying, renting or maintaining a property abroad, whatever the reason, HSBC are here to help make doing this quick, easy and convenient.

We will offer you the most up to date HSBC Exchange Rate available using our live rates for all International Payments sent in foreign currency, this way you can be certain of the exchange rate applied to your payment.

Remember that by sending your payment in foreign currency you will have the certainty and visibility of how much you're sending.

Things you need to know before making a payment

International Money Transfer

We'll make your International Money Transfer using the details you provide to us, so it's really important you check they are correct to avoid any unnecessary delays and / or charges.

Before you can make an International Money Transfer it's important that you have the following details to hand about the beneficiary and payment:

  • Your own account details
  • Beneficiary's full name and address
  • Beneficiary's bank code 
    (You should obtain this code, normally the Business Identifier Code (BIC), from your beneficiary. For some countries you may need the national bank code rather than the BIC.)
  • IBAN (International Bank Account number) or account number
    (The IBAN is a series of alphanumeric characters that helps to identify accounts held anywhere in the world. Not all beneficiaries will have an IBAN instead they may hold just an account number depending on their bank. You should obtain this information from your beneficiary.)
  • Country of their bank
  • Amount of the payment
  • Reference (if applicable)
  • Reason for making the payment
     

Useful information

How much will it cost? 
HSBC Bank Payment fees:

 
Payment type
Online  Branch  Telephone 
HSBC to HSBC £0  £0  £0 
HSBC to any other bank £4  £9  £9 


For all International Money Transfers, the beneficiary's bank, and any foreign bank we may use to send the payment, may also take a charge. You'll only have to pay these charges if you choose 'sender to pay all charges' when you request your payment.

 

How much can I send? 

Online
Branch  Telephone 
£50,000 (or currency equivalent)        
Unlimited

Premier - Unlimited

 

Non-Premier £10,000 (or currency equivalent) 

 

How long will it take?
Payments to an account within the EEA will normally be credited next working day*

Payments to an account outside of the EEA will normally take up to 6 Working Days*, but may take longer depending on the country the payment is being sent to.

* subject to currency cut off time and further checks as from time to time we may need to conduct additional security checks and validation of the payment.

 

How can I cancel my payment instruction?
If you've asked us to make a payment immediately, you will be unable to cancel it.

Receiving money from abroad

At HSBC we understand you may need to receive payments into your account from abroad - it’s possible for you to receive these payments in either foreign currency or Sterling.

If a payment is received in a different currency to what your account is
held in, we'll convert it using the HSBC Exchange Rate at that time, before crediting it to your account.

We will provide you with the most up to date HSBC Exchange Rate available.
 

Receiving money from abroad

Things you need to know before receiving a payment

The overseas bank sending the payment to you will need to know the following information about the account you wish to be credited - providing this information will help to ensure that the payment happens as quickly as possible;

  • Your personal details 
  • SWIFT Code (The HSBC SWIFT code is MIDLGB22)
  • IBAN (International Bank Account Number) or account number
    (The IBAN is a series of alphanumeric characters that helps to identify accounts held anywhere in the world. Not all beneficiaries will have an IBAN instead they may hold just an account number depending on their bank. You should obtain this information from your beneficiary.)
  • BIC (Business Identifier Code)

 

Useful information

How much will it cost? 
It is important for you to understand from the sender which charging option they have selected when making this payment to you.

 

Payments from within the EEA
The sender will pay the outward payment charge (charged by their bank) and you will pay any intermediary, agency and inward payment charges. (Shared charges)

 

Payments from outside the EEA

The sender has different options to; pay all the charges, share the charges or for you to pay all the charges.

The charge(s) applied to the payment will depend on the charging option selected by the sender.

  • If the sender opts to pay all the fees: No charges will be applied
  • If the sender opts to share the fees: The charge in the table below will apply.
  • If the sender opts for you to pay all fees: The charges in the table below will apply together with any intermediary and agency bank charges and will be deducted from the payment before it is credited
Payment type Payment amount Charge 
Non-sterling electronic payments £100 or more £8 each 
Non-sterling electronic payments
Under £100 £0 each 
Sterling electronic payments from banks outside the UK or Channel Islands & Isle of Man
£100 or more £6 each 
Sterling electronic payments from banks outside the UK or Channel Islands & Isle of Man
Under £100 £0 each 


The above charges will be deducted from the payment before we add them to your account where applicable. We will write to you to advise of any charges applied to an inward payment you receive.

Setting up a future dated or recurring payment

We know our customers may have regular financial commitments overseas such as maintaining or renting a property, or may have family living or studying outside of the Channel Islands & Isle of Man. Whatever your needs, HSBC have made it easy for you to set up future dated and recurring International Payments online. You can now create a payment up to a year in advance and also have the option to set up recurring payments for the same beneficiary.


For future dated and recurring international payments sent in foreign currency, the exchange rate used will be the HSBC Exchange Rate applicable at the time your payment is processed. And remember, if you set up your payment to be sent in Sterling to a non-Sterling account we cannot predict the exchange rate which will be used by the receiving bank. 

Recurring Payment

With live exchange rates updated by the second during market hours, for payments sent in foreign currency, you can be certain the most up to date HSBC Exchange Rate will be applied to your payment.

Things you need to know before setting up a payment

We'll make your International Money Transfer using the details you provide to us, so it's really important you check they are correct to avoid any unnecessary delays and / or charges.

Before you set up your future dated or recurring payment it's important that you have the following details to hand about your beneficiary and payment:

  • Your own account details 
  • Beneficiary's full name and address 
  • Beneficiary's bank code 
    (You should obtain this code, normally the Business Identifier Code (BIC), from your beneficiary. For some countries you may need the national bank code rather than the BIC.)
  • IBAN (International Bank Account number) or account number
    (The IBAN is a series of alphanumeric characters that helps to identify accounts held anywhere in the world. Not all beneficiaries will have an IBAN instead they may hold just an account number depending on their bank. You should obtain this information from your beneficiary.)
  • Country of their bank 
  • Amount of the payment 
  • Reference (if applicable)
  • Reason for making the payment

 

Useful information

How to cancel a future dated or recurring payment?
You can cancel a future dated or recurring international money transfer set up online by selecting 'Manage payments - future payments' in Send Money Overseas via Online Banking. We will need to have received your request to cancel by 23.59 (UK Time) on the day before the payment is due to be made 

 

How much will it cost?

HSBC Bank Payment fees
Currently this option is only available online when logged into Online Banking 

Payment Type
Online 
HSBC to HSBC
£0 
HSBC to any other bank
£4 

 

For all International Money Transfers, the beneficiary's bank, and any foreign bank we may use to send the payment, may also take a charge. You'll only have to pay these charges if you choose 'sender to pay all charges' when you request your payment.

Beneficiary banks may charge for receiving International Money Transfers.

 

How can I set up a future dated or recurring payment?
Currently this option is only available online when logged into Online Banking.

 

How long will it take?
Payments to an account within the EEA will be credited next working day*

Payments to an account outside of the EEA up to 6 working days*, but may take longer depending on the country the payment is being sent to

*subject to currency cut off times and further checks as from time to time we may need to conduct additional security checks and validation of the payment

 

How can I check the HSBC Exchange Rate applied?
For future dated payments, the exchange rate will be applied on the day that the payment is made.
You can check the actual exchange rate used for the payment by viewing "Historic payments" within Manage payments.
We will also write to you to advise of the exchange rate applied to the payment where applicable.

By Phone

If you are a HSBC Premier or Advance customer, call us on:
03456 00 61 61
If you are outside the UK, Channel Islands & Isle of Man please call +44 1470 697 139
Lines are open 24 hours a day

 

If you are not an HSBC Premier or HSBC Advance customer, call us on:
03456 00 61 61
If you are outside the UK, Channel Islands & Isle of Man please call +44 1470 697 139
Our lines are open from 8am to 10pm every day

 

If you require our textphone services, call us on:
03457 125563
If you are outside the UK, Channel Islands & Isle of Man please call +44 207 088 2077
Our lines are open from 8am to 10pm every day

 

In Branch

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

  • Photographic Identification
  • Beneficiary Details
  • Payment Details

Important information

Before you make your International Payment, please take the time to read the following documents. You may also want to save them for future reference: