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Banking with us

Sending money abroad

How do I send money abroad?

Making an international payment using the mobile app or Online Banking is just as secure as it is to make one in branch. You can make a payment to a new or an existing payee, quickly and easily, in the comfort of your home. Criteria apply.

Fee free

We don't charge a fee to send standard international payments using Online Banking or the mobile app.

Find out the exchange rates upfront

With our live rates, you'll see exactly how much you'll pay before you make your international payment.

Compare international payment options

When sending money abroad, you'll pay different amounts depending on when or where you're sending it to and how quickly you need it to arrive.

*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)

See Support Centre FAQs for list of applicable Countries.

Send larger payments with biometric registration

If you have registered your biometrics with the Bank, you can use the mobile app or Online Banking to make an international payment to new and saved payees up to the daily limit of £10,000.00 GBP (Euro equivalent for ROI).

If you have not yet registered your biometrics with the Bank you can make a payment to:

a saved payee via the mobile app up to £10,000
a new payee via our mobile app up to £1,000 (a maximum of 5 payments totalling £1000 per day).
a new or saved payee via Online Banking, up to the daily limit is £10,000 using your card reader, when required.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Online Banking available to customers aged 11+ with a NatWest account.
Biometric approval is available to eligible app customers aged 16 or over

Select your preferred way of doing it

The quickest route

What you'll need

The latest version of the mobile app

The recipient's IBAN or Account number

BIC/SWIFT code or NCC number

Any other country specific requirements

When paying someone new for the first time via Online Banking you will also need:

Your debit card

Your enabled card-reader

Your step-by-step guide

Country specific requirements

Americas Close

Americas

Brazil

A beneficiary phone number is required as banks will phone the customer to call in with ID before the payment is credited to their account.

Canada

Payments to Canada require the beneficiary account number, name and address. An 8-digit Bank Transit Number should be provided in preference to a BIC wherever possible. The Bank Transit Number should be entered into the National Clearing Code box.

When sending Relay/Budget payments to Canada, they will more than likely have a 3 figure bank code as that is all they are provided with by the Canadian banks. However, a 4 digit code is required so an additional ‘0’ should be added at the beginning of the code e.g. Royal Bank of Canada 003 should be 0003; HSBC 016 should be 0016.

Mexico

Mexican account numbers are 18 digits long and called a CLABE.

United States of America (USA)

The USA does not generally accept any payment that is not in USD and will convert if sent in Sterling. USA banks are identified using Fed Wire Routing numbers and ABA numbers (equivalent of UK sort codes) which are always 9 digits. This should go in the National Clearing Code box, and should be provided in preference to a BIC wherever possible.

For payments to Credit Unions, please contact the Retail Payments Helpdesk for assistance on 0845 300 3512.

Europe Close

Europe

France

Payments to La Poste can only be made in Euros.

Hungary

A reason for payment is required to be sent with all payments.

Italy

A reason for payment is required to be sent with all payments.

Romania

A reason for payment is required to be sent with all payments.

Turkey

Payments must have a 26 digit IBAN.

Ukraine

A reason for payment is required to be sent with all payments.

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Asia pacific

Australia

A BSB number is an Australian sort code which has 6 digits, the account number has 9 digits.

A BSB should be provided in preference to a BIC wherever possible. The BSB should be entered in the National Clearing Code box.

India

Payments to India may require an IFSC code (Indian Financial System Code). This is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system (clearing system in India) and has an 11-digit code.

All payments require a beneficiary address.

New Zealand

A BSB number is a New Zealand sort code which has 6 digits. A BSB should be provided in preference to a BIC wherever possible. The BSB should be entered in the National Clearing Code box.

Pakistan

Payments require the beneficiary address.

Middle east and Africa Close

Your step-by-step guide

Pay an existing payee

If you've made a payment before via the mobile app or Online Banking, the payee details are automatically saved. You won't need a card reader to complete the transaction if you're using the same payment details.

Existing payee Close

Existing payee

Open your mobile app
Select the account that you wish to send your payment from
Tap on ‘International payments’
Tap on ‘Choose payee’ to select your saved payee
Choose a payee from your list
Enter the amount you want to send and press ‘Calculate rate’ to see your exchange rate
Tap ‘Continue’, review the paymetn details and then 'Next' to choose a payment type
Select ‘Standard’ (completed the next business day) or ‘Urgent’ (completed the same business day, £15 fee applies)
Review your payment and if happy with all the details, click ‘Confirm payment’
You'll be prompted to read and accept the terms and conditions.
Accept, and you’re done!

Pay someone new

It's easy to pay someone new using just your mobile app. Limits apply.

New payee Close

New payee

Open your mobile app
Tap on the account you want to make a payment from
Tap on 'International payments’, and then ‘Choose who to pay’
Tap ‘Pay someone new’
Select the recipient’s country from the drop-down list, and then confirm the recipient’s currency
Enter the amount you would like to send, or the amount you would like the recipient to receive. The exchange rate will then be calculated
Tap ‘Continue’ and choose payment type – ‘Standard’ (completed the next business day) or ‘Urgent’ (completed the same business day, £15 fee applies)
Click ‘Next’
Enter the payee’s full name, along with their IBAN number and BIC/SWIFT number. You may also add a payment reference
Click ‘Continue’
Add a statement reference and message (optional)
Confirm payee and payment details and click ‘Continue’ to complete your transaction.

Download the app

Downloading the NatWest app couldn't be easier, follow these three simple steps below.

On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android
Search for 'NatWest Mobile Banking'
Tap to download the app

Get the app

Experience easy, quick, secure banking with the NatWest banking app

Get the app

Experience easy, quick, secure banking with the NatWest banking app

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.