International Payments

Making payments across borders and time zones ought to be easy.

Whether you are making online payments in Sterling or in foreign currencies, we provide:

Online payments

  • Secure bank-to-bank transfers.
  • Send money to almost any country in the world.
  • Option to store details for repeat payments.

To make regular payments in Euros, SEPA direct debits could be the most efficient solution.

If you prefer to make your international payments at a branch, there are four ways to do it:

  • The quickest way of sending payments abroad, including in Euros, provided the beneficiary’s bank is in the European Economic Area (EEA)*.

    Payments in Euros can take one business day to arrive at the beneficiary’s bank, but will usually arrive on the business day on which we receive your instructions*.

    Payments in other currencies, including Sterling, may take up to four business days to arrive at the beneficiary’s bank, but usually arrive within two to three business days of your instruction**.

  • For sending non-Euro payments abroad. Payments in sterling can take up to a maximum of 4 days to arrive with the beneficiary’s bank, but normally arrive within two business days.** Payments in EEA* currencies, other than Euro, can take up to four business days to arrive at the beneficiary’s bank, provided the beneficiary’s bank is in the EEA. Payments outside the EEA and/or in non-EEA currencies can take up to five business days to arrive at the beneficiary’s bank.

  • For planned Euro payments overseas and within the UK. Payments will arrive one business day after your instruction*.

  • You can have a bank cheque in Sterling or foreign currency issued directly to you, made payable to the person or company who receives the funds.

Foreign exchange rate

International Payments are converted using the Lloyds Bank exchange rate. The Lloyds Bank exchange rate is based on the rate at which we buy and/or sell currency in the wholesale markets plus a percentage FX margin. To find out about our latest FX margins, please click the link below.

Business Foreign Exchange (FX) Margins.

Guide to international payments

View a summary of the rates and charges for our international services.

View details of Standard Settlement Instructions

Make payments in 94 new currencies

We have partnered with Equiniti Global to allow you to make International Payments in a further 94 currencies.

Equiniti Global Partnership

How to make an International Payment online

  1. Enter your login details, which will take you to the Online for Business Homepage
  2. Select ‘International Services’ in the left hand ‘Our Products and Services’ menu
  3. Select ‘Make an International Payment’


Send money abroad efficiently, through Internet Banking. If you aren’t registered for Internet Banking register now.

Log on to Internet Banking

On the phone

0345 072 5555

We are available Monday to Friday, 7:00am – 8:00pm; Saturday, 9.00am – 2.00pm, excluding UK Public Holidays.

In branch

Visit your local branch for information.

Find your nearest branch

International Trade Portal

International trading is a big step forward for your business, but it can be difficult to know how to break into a new market.

More about the International Trade Portal

International Business

Trading internationally can bring new benefits to your business. We’ll guide you through the next steps.

More about International Business

* EEA is the European Economic area, it includes: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK.

** Instructions made by bank form or letter may take an additional business day.

Important Legal Information

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.