Go paper-free
Amend paper-free preferences for your statements and correspondence.
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.
Getting started online
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You can call us if you're not registered for Internet Banking. If you prefer to bank in person, there’s range of services in your local area.
Need help?
If you're registered for online banking, the fastest way to get in touch is by messaging us securely online.
Let’s look at the details
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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**
**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
When you send money using online banking or our app, the payment will always be sent using the shared charging option. This means you’ll only pay our £9.50 fee and the person you’re sending money to will pay any other fees. This could include money deducted from the payment by an agent bank and the bank you’re sending money to.
For payments made in branch or over the phone and being sent outside the UK or EEA, you can arrange for the full amount to be received by the recipient’s bank. Please note, the recipient’s bank may still charge a fee before they pay the money into the recipient’s account. To send a payment this way in branch or over the phone, you’d pay our £9.50 fee and the Correspondent Bank fee shown below.
Correspondent Bank Fee
- Zone 1 (USA, Canada and Europe (non-EEA)) - £12
- Zone 2 (Rest of the world) - £20
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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 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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Calls may be monitored or recorded to help us improve our quality of service.
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