International payments

SWIFT - Transfer money worldwide*

Feel comfortable making international payments with SWIFT from Clydesdale Bank. Fees apply.

• SWIFT makes payments simple and convenient for you
• SWIFT transfer can be instructed at any branch

*Some exclusions apply. Please consult 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
• International services

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.