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How can I make an international payment?

How can I make an international payment?

This guide explains how to send an international payment using the Royal Bank of Scotland Mobile App or Digital Banking, and includes information on limits, charges, and requirements. Alternatively, you can visit a local branch to make an international payment in person. 

 

What's needed?

 

  • A personal current account.
  • Latest version of the Royal Bank of Scotland Mobile App (for payments via mobile banking).
  • Bank details:
    • IBAN – Beneficiary’s International Bank Account Number used for payments to Europe and some other countries.
    • BIC/SWIFT code – Beneficiary’s Bank Identifier Code. It tells us which bank to send the money to. The code is 8 or 11 letters and numbers.
    • Account number – For payments to an account without an IBAN.
  • Other Information:
    •  NCC – National Clearing Code (NCC), payments to an account without an IBAN. They are also known as Routing Codes or Bank State Branch (BSB) codes for some countries (e.g. South Africa, Australia and New Zealand).
  • For some countries:
    • Bank name
    • Bank address

List of IBAN compliant countries can be found here.

Payment Methods and Useful Information

Payment Limits

Payment Limits

Mobile App

  • With Biometrics Registered: Up to £20,000 per day (Euro equivalent for ROI).
  • Without Biometrics Registered:
    • Saved payee: Up to £20,000.
    • New payee: Up to £750 per day (a maximum of 5 payments totalling £750 per day).
    • For payments over £1,000 to a new payee, use Digital Banking.

 

Online Banking

  • Up to £20,000 per day.
  • For larger amounts, visit a branch with your debit card and valid ID (such as passport or driving licence).

 

For personal customers a payment control feature is available to freeze and unfreeze the international payment functionality for mobile/digital payments. To make an international payment via the mobile app or Digital Banking, International Payment control must be unfrozen.

Making International Payments via Mobile App

Make a payment using our mobile app

  1. Log in to the app.
  2. Tap Payments at the bottom of the home screen.
  3. Select the correct account (swipe or tap Change account if needed).
  4. Tap ‘Send money’ then select ‘International payments’ and ‘Send money abroad’.
  5. Choose who to pay:

 

If paying someone new:

 

  1. Select country and currency.
  2. Enter the amount in GBP or foreign currency and then calculate rate.
  3. Choose payment type and fees.
  4. Enter payee details (full name, account, reference, bank details, address).
  5. Select purpose of payment, review messages, and continue.
  6. Complete biometric approval if required.
  7. Review details and tap Make Payment.
  8. Confirmation screen will appear.

 

If paying a saved payee:

 

  1. Select payee.
  2. Enter the amount in GBP or foreign currency and then calculate rate.
  3. Choose payment type and fees.
  4. Review details and tap Make Payment.
  5. A confirmation screen will appear.

 

Additional Information

Learn more about biometrics

Learn more about our mobile app

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in specific countries.

Making International Payments via Digital Banking

Make a payment using online banking

If paying someone new:

 

  1. Log in and select Payments & Transfers.
  2. Under International Payments, choose Pay someone new.
  3. Enter country, currency, and amount.
  4. Calculate exchange rate and click Next.
  5. Choose payment type and fees.
  6. Enter payee details.
  7. Review summary and authorise using card reader or mobile app.
  8. Confirmation screen will appear.

 

If paying a saved payee:

 

  1. Log in to Digital Banking.
  2. Select Payments & Transfers.
  3. Under International Payments, choose Pay one of your saved payees.
  4. Select account and payee.
  5. Enter amount and calculate exchange rate.
  6. Choose payment type and fees.
  7. Review summary and confirm payment.
  8. Authorise if required (card reader or mobile app).

 

Additional Information

Learn more about Digital Banking

Digital banking available to customers aged 11+ with a Royal Bank of Scotland account.

Making International Payments by Post or Fax

Complete a form and return it to your branch

If your payment is above £20,000 and you are unable to visit a branch then please complete one of these forms:

 

Once completed and signed please send the first page only to:

 

Post

Payments Centre
NatWest
5th Floor, 1 Spinningfields Square
Manchester M3 3AP

 

Fax:

UK: 0345 300 3369

Overseas: +44 161 755 7272

How long will the payment take to arrive?

How long will the payment arrive?

Payment type Time Taken Mobile Banking cut off time Online Banking cut off time 
*Standard Euro payment to SEPA country Same business day 14:00 UK time14:00 UK time
*Urgent Euro payment to SEPA countrySame business day 15:00 UK time15:00 UK time
*Standard non-Euro payment2-4 business days15:00 UK time16:00 UK time
*Urgent non-Euro payment Next business day15:00 UK time15:00 UK time

 

*SEPA is the Single Euro Payments Area in which you can make and receive euro payments. 

SEPA International payments must be made in euros to (SEPA) countries which are within the EU (European Union) or EEA (European Economic Areas)      

List of SEPA countries can be found here.

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