Skip to content Go to accessibility help
We use cookies to keep our websites easy to use and relevant to our users’ requirements and to enable us to learn which advertisements bring users to our website. Select Accept below if you wish to proceed or How to change your cookies for instructions on how to manage your cookie settings. Find out more about our Cookie Policy.

International payments (Swift)

  • Make international [1] payments with SWIFT from Yorkshire Bank. Fees apply.
  • SWIFT makes payments simple and convenient for you.
  • SWIFT transfer can be instructed at any branch

[1] Some exclusions apply, speak to your relationship manager for details.

Further features

Payments are given specific value dates i.e. same-day, next day or “spot” value which is typically 2 business days ahead

We use Value Dates in International banking because currencies fluctuate in value every day, so your payment would be worth more or less bu the time it is received by the beneficiary. Using the Value Date eliminates these discrepancies so you know that the amount you send is the amount that will be received.

Please note, for a same day payment you must visit the branch before 10.30am.


Earliest value date Currencies
Next Day Australian Dollar (AUD), Canadian Dollar (CAD), Danish Krone (DKK), Hong Kong Dollar (HKD), Japanese Yen (JPY), New Zealand Dollar (NZD), Norwegian Krone (NOK), Polish Zloty (PLN), Singapore Dollar (SGD), Swedish Krona (SEK), Swiss Franc (CHF), South African Rand (ZAR), Mexican Peso (MXN).
Spot Value
(2 working days)
United Arab Emirates Dirham (AED), Chinese Offshore (CNY), Czech Koruna (CZK), Bulgarian Lev (BGN), Bahraini Dinar (BHD), Hungarian Forint (HUF), Israeli New Shekel (ILS), Indian Rupee (INR), Kuwaiti Dinar (KWD), Moroccan Dirham (MAD), Mauritian Rupee (MUR), Romanian Leu (RON), Saudi Riyal (SAR), Thai Baht (THB), Croatian Kuna (HRK).

Our Standard Foreign Exchange Rate

When you send an International payment in a different currency from your current account, a foreign exchange rate will be applied. Our standard foreign exchange rate is based on the market exchange rate, plus or minus a currency conversion cost which is detailed in the table below.

Transaction Amount Conversion cost on foreign exchange rate
£0-£25,000 2.50% of market rate
£25,001-£50,000 1.70% of market rate
£50,001-£100,000 1.55% of market rate
£100,001-£250,000 1.20% of market rate
£250,001-£500,000 0.95% of market rate
£500,000-£1,000,000 0.65% of market rate

The percentages outlined above are indicative, for information only and can change at any time.


Transaction Amount - EUR 20,000 (from GBP Account) Market Exchange Rate - 1.1050

Conversion cost on foreign exchange rate - 2.50%

Our Standard Foreign Exchange Rate - 1.0774 (1.1050 – 2.5%)

Payment Fees - £25

Total cost to you - £18,588.21 (EUR 20,000 @ 1.0774 = £18,563.21 plus £25)

Single Euro Payment Area (SEPA)

What is SEPA?

The Single Euro Payments Area (SEPA) is a project developed within the European Union (EU) which seeks to create an integrated market for electronic payments in Euro. It aims to remove the distinction between national and cross-border payments and introduce a common set of payment standards and rules so that payments in Euro can flow quickly and efficiently throughout the EU.

The single Euro Payments Area includes all European Union Member States as well as Norway, Iceland, Liechtenstein, Switzerland and Monaco.

Making a SEPA Credit Transfer

SEPA Credit Transfers are Next Day payments. This means that the beneficiary will receive the funds the day after the payment has been initiated, subject to cut off times and bank holidays. The pricing of SEPA Credit Transfers takes this into account. If you need to send a payment in Euros immediately, you can use our SWIFT service.

When making a single initiated SEPA Credit Transfer and you will only need to provide the International Bank Account Number (IBAN) of the account into which you wish to make the payment.

Charges for using SEPA

  • There is a fee for each SEPA payment
  • Intermediary bank Charges may also apply
  • Charges can be found in the interest rates and charges section. Speak to your Relationship Manager for more details.
  • For further information on making SEPA payments or current indicative exchange rates contact your Relationship Manager.

*Some exclusions apply. Please consult your relationship manager for details.

Please be aware that because SWIFT/SEPA payments are linked to foreign exchange and currency rates, there is exposure to exchange rate risk which may or may not benefit the customer.

Further information

General enquiries
Call us on
0800 032 3971

Monday - Friday 8am - 5pm

Existing customers

Contact your relationship manager or call our Business Direct team

Branch locator

Find your nearest branch or private banking centre

Branch locator