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.
Sending money to Europe Sending money to Europe
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 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) 1 and Vatican City State.
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
The person you’re sending money to will pay any other fees. This could include money deducted from the payment by a correspondent bank 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, our app, from a branch or using Telephone Banking if you have a Business or Premier account with us.
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.
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.
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.
