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International Payments

Looking to send money fee-free outside the UK?  Send money online to over 160 countries without any payment fees from us. Payments may incur intermediary and/or beneficiary bank fees.

Sending money outside the UK?

Our International Payment service is quick, easy and secure...

  • Convenient

          Send money 24/7 - and you can set up future-dated and recurring payments too

  • No fees online

          Send up to £50,000 (or currency equivalent) online with no payment fee

  • Know your exchange rate

          With rates updated by the second during market hours, you'll know how much you're sending

  • Peace of mind

          With us, you can be confident your transaction is safe and secure


Want to send money outside the UK?

Want to send money outside the UK?


  1. Login to Online Banking
  2. Select 'Payments & transfers' and then 'Send money outside the UK'
  3. Follow on screen instructions.
Log on to Online Banking


By Telephone

Please contact our call centre

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Receiving money from outside the UK

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/BIC (Business Identifier Code)
  • IBAN (International Bank Account Number) or account number.

It's possible for you to receive money into your account from outside the UK in either foreign currency or Sterling.

If money is received in a different currency to what your account is held in, we'll convert it using the most up to date first direct Exchange Rate available before crediting it to your account.

What is an IBAN/BIC/SWIFT Code?

Your BIC/SWIFT Code identifies the bank receiving the international payment, the IBAN is your bank account number in a standard internationally recognised format.

Where can I find my IBAN/BIC/SWIFT Code?

You can find these details on your statements. To view a pdf of your statement log on to Online Banking.

How much will it cost?

It is important for you to understand from the sender which charging option they have selected when sending this money to you.

first direct receiving fees

Foreign currency electronic payments from banks outside the UK

Amount Charge
£100 or more
£8 each
under £100
£0 each

Sterling electronic payments from banks outside the UK

Amount Charge
£100 or more
£6 each
under £100
£0 each

Receiving money from within the EEA

If you're receiving money from another person in the EEA, you will only pay first direct's receiving fee (see table above), and the sender will pay all of the other charges.

Receiving money 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(s) in the table above will apply to you
If the sender opts for you to pay all fees; the charges in the table above will apply together with any intermediary and agency bank charges
The above charges will be deducted from the payment before we add them to your account where applicable. Any charges applied to money received will appear in your statement.