Mortgage support
Worried about paying your mortgage? We have various ways that we can help you.
Send money outside the UK or in a foreign currency
You can do this online
- Fee free euro payments. Other charges may apply.
- Simple repeat payments, up to £100,000.
- Over 30 currencies to choose from.
Lloyds Bank will never tell you to :
- move money to another account
- move your money or ask you to transfer funds to a new sort code and account number.
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Sending money to the EEA and UK
- The recipient's full name and address.
- The recipient's IBANIBAN is an International Bank Account Number
- The recipient's Swift/BIC.Swift or BIC is a Bank Identifier Code.
Sending money to the rest of the world
- The recipient's full name and address.
- The recipient's IBAN.IBAN is an International Bank Account Number
- The recipient's Swift/BIC.Swift or BIC is a Bank Identifier Code.
- Name and address of the recipient's bank.
- Clearing code.Some banks need a clearing code to find a branch or business area of the recipients account.
- Reason for your payment.
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- Log on and select More actions from your account.
- Choose Payments and transfers. Then select Send money outside the UK.
- If you're sending money to someone you've paid before, choose Select an international recipient. Then select their details from the list. if you’re paying someone for the first time, select Pay someone new. Choose the country from the list, then enter the recipient's details.
- Enter how much currency you'd like to send. If you want to change the currency, select the flag icon and choose a new currency.
- Select Continue to review the payment details.
- Select Confirm Payment to complete the payment request. We might ask you to enter your password. If you're sending money to a somebody new, we'll do some extra security checks.
- Log on and select the More menu from your account. Then choose Send money outside the UK.
- If you're sending money to someone you've paid before, choose Select an international recipient. Then select their details from the list. If you’re paying someone for the first time, select Pay someone new. Choose the country from the list, then enter the recipient's details.
- Enter how much currency you'd like to send. If you want to change the currency, select the flag icon and choose a new currency.
- Select Continue to review the payment details.
- Select Confirm Payment to complete the payment request. We might ask you to enter your password. If you're sending money to a somebody new, we'll do some extra security checks.
Mobile Banking app
Scan to download
- Join our 7 million app users.
- Secure log on with a fingerprint or Face ID.
- Stay up to date with notifications.
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Phone
Call us on 0800 015 0062 (+44 173 334 7403 from abroad), Monday to Friday 8am – 8pm, Saturday 8am – 4pm. Not all Telephone Banking services are available 24 hours a day, seven days a week.
Branch
You can visit your nearest branch to make payments.
Payments explained
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You can make payments up to the following amounts:
Channel
Limit
Channel
Online
Limit
Send up to £100,000 per day through Internet Banking.
Channel
In branch
Limit
There is no maximum limit.
Channel
Telephone Banking
Limit
Send up to £10,000 through Telephone Banking.
The minimum payment amount is £1.01, no matter how you make the payment.
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Our fees
Payment Charges
Type of payment
Fee
Type of payment
Payments in euros from your account
Fee
No fee
Type of payment
All other payments from your account
Fee
£9.50**
Payments to Ukraine
We’ll refund our £9.50 fee for payments sent to Ukraine. Please allow a few days for this to be paid back into your account.
**This fee won't apply to payments:
- sent in pounds from our Basic Account
- from an account held with Lloyds Bank Corporate Markets plc
- sent in any currency other than pounds from a Mayfair Private Banking Service account.
Other fees
You can only share charges with the recipient when the payment is made:
- in any currency using Online Banking or our app
- in any currency to a bank account abroad in the UK or EEA
- in any EEA currency or pounds to a bank account in Switzerland, Monaco or San Marino.
Sharing the charges means you pay our fee and the recipient will pay their banks charge and any agent bank charges that apply
For any other payment you can either:
- share the charges, or
- pay both our fee and the correspondent bank fee so the recipient bank receives the full amount you send.
If you want to do this, you’ll need to make your payment in branch or over the phone. The recipient’s bank may still charge them a fee, but we won’t know if that’s the case. Please ask them to speak to their bank.
Correspondent Bank Fee
- Zone 1 (USA, Canada and Europe (non-EEA)) - £12
- Zone 2 (Rest of the world) - £20
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You can use the online payment calculator to see our standard exchange rate, which may change depending on how much you send.
If you enter an amount without selecting a recipient or without entering a new recipient, we’ll only show you a payment illustration.
If you select a recipient or enter a new recipient first, you can continue your payment with the exchange rate displayed.
We’ll show you the final payment details and exchange rate before you confirm your payment.
Our standard exchange rate includes a margin. The following table provides an indication of the current margin. This is the difference between our standard exchange rate and the wholesale rate at which we buy and sell currency in the foreign exchange markets.
If you hold a Mayfair Private Banking Service account you may receive a different standard exchange rate and margin. Please contact your Private Banking Manager for more details.
Standard Exchange Rate
Payment Value in GBP
Current margin for sending money outside the UK or in a foreign currency
Payment Value in GBP
0 - £10,000
Current margin for sending money outside the UK or in a foreign currency
3.55%
Payment Value in GBP
£10,000 - £50,000
Current margin for sending money outside the UK or in a foreign currency
3.55% - 2.40%
Payment Value in GBP
£50,000 - £100,000
Current margin for sending money outside the UK or in a foreign currency
2.40% - 2.10%
Payment Value in GBP
£100,000 - £250,000
Current margin for sending money outside the UK or in a foreign currency
2.10% - 1.50%
Payment Value in GBP
£250,000 and above
Current margin for sending money outside the UK or in a foreign currency
1.50%
Margin calculator
This calculator indicates the margin we apply when you send money outside the UK or in a foreign currency.
I would like to send a payment of:
Payment margin:
##margin##%For example:
You need to make a payment of €1,000 to Spain. If the current GBP/EUR wholesale rate is 1.1900, the Lloyds Bank standard exchange rate applied to your payment would be 1.1478. This is based on our current margin of 3.55%. In this example, you’ll pay £871.23 to send €1000 to Spain.
Please note that a live wholesale rate is used to calculate the standard exchange rate. Together with the percentages outlined in the previous table, the information is indicative, for information only and can change at any time.
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You can send payments overseas in pounds.
Please be aware that most bank accounts are held in the currency of that country. For example, Canadian dollar accounts in Canada. This means the recipient bank would have to change a payment into foreign currency to be able to pay it into the recipient’s account.
If you send pounds, you may not know what exchange rate will be used by the receiving bank when the money arrives or exactly how much money the recipient will get. If we convert your payment into foreign currency before you send it, we’ll tell you our exchange rate at the time you request your payment. This means you'll know exactly how much foreign currency is being sent even if you make your payment request after the cut-off time.
If the account overseas is in pounds, you have a special arrangement to send pounds or you would just prefer to, then you should send it in pounds.
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You can make a payment 24 hours a day, 7 days a week, but we'll only process it during normal banking hours.
When the money will leave your account
Money will only be taken from your account once we've processed your payment.
- If you make your request before 3pm on a working day, the payment will be made the same day.
- If you make a payment in euros in branch or over the phone, there may be an earlier cut off time of 2pm.
- We process requests made after 3pm on the next working day.
- We process requests made on bank holidays and weekends on the next working day.
For example, if you request the payment at 3:30pm on a Friday, we won't process it until the following Monday.
Please make sure you keep enough money in your account to cover your payment amount. Otherwise we won’t be able to make the payment and it'll be cancelled. Also be aware of any other payments due that day which will reduce your balance such as Direct Debits, standing orders and debit card payments.
When the money will reach the recipient
The following table gives you information about the time the payment will take to reach the recipient's bank. These timescales apply if you've requested the payment on a working day before the cut off time:
Information about the time the payment will take to reach the recipient's bank
Currency and destination
Delivery times
Currency and destination
Payments in euros to the UK, an EEA country, Monaco, Switzerland or San Marino
Delivery times
No later than the next working day
Currency and destination
Payments in any other EEA currency / pounds / Swiss francs to another EEA country
Delivery times
No later than four working days
Currency and destination
Any currency to North America, Canada, South Africa, Australia, New Zealand, Middle East and the Far East
Delivery times
Should take no longer than four working days
Currency and destination
Any currency to any other country
Delivery times
Should take no longer than five working days
Currency and destination
SEPA Direct Debit Scheme
Delivery times
On the date we've been given for payment unless this is a public holiday in the other bank’s country. In that case, this will be on the next working day.
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Please call the International Helpdesk on 0345 300 0101 Monday to Friday 8.30am – 5pm. We can talk you through your options.
We won’t charge you a fee, but other banks involved may do.
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If you think you've been scammed, please get in touch with us. We can then guide you on what to do next.
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Please call the International Helpdesk on 0345 300 0101 Monday to Friday 8.30am – 5pm.
We can’t guarantee that we’ll be able to cancel the payment. If we are able to cancel it for you, you may lose money through the differences in exchange rates.
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Please make sure you’ve allowed enough time to pass before calling the International Helpdesk on 0345 300 0101, Monday – Friday, 8.30am – 5pm.
They can review the Payment Tracking system and talk you through your options. Please be aware that if we need to trace your payment, we won’t charge you a fee but other banks involved may do.
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IBAN and BICs are details that help banks identify the correct account when money is sent internationally. They're mandatory in certain countries.
What is an IBAN?
IBAN stands for ‘International Bank Account Number'. An IBAN identifies a specific bank account. Each country has a different number of characters in their IBANs.
This is an example of an IBAN for the United Kingdom:
GB29NWBK60161331926819.
An IBAN has four components and is a mixture of alpha and numeric characters:
- an ISO country code
- bank and branch identifier
- beneficiary account number
- two check digits.
The two check digits in the IBAN help banks make sure that your payment details are right.
Which countries do I need a BIC/SWIFT and an IBAN for?
We need you to give us a BIC/SWIFT and IBAN when sending payments to the following countries:
All EU and EEA countries:
Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Guernsey, Hungary, Iceland, Republic of Ireland, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, The Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden
As well as the following countries:
Albania, Andorra, Bahrain, Faroe Islands, Georgia, Gibraltar, Greenland, Isle of Man, Israel, Jordan, Kosovo, Kuwait, Lebanon, Macedonia, Montenegro, Moldova, Monaco, Pakistan, Palestine, Qatar, San Marino, Saudi Arabia, Serbia, Switzerland, Tunisia, Turkey, Ukraine and United Arab Emirates.
Calls may be monitored or recorded to help us improve our quality of service.