How long do international money transfers take?
By SendPay Business · · 2 min read
- 1Start from the UK
- 2Send to the countries you choose
- 3It arrives in their own currency
An international transfer can arrive in seconds or take several working days. How long it takes depends mostly on which payment system carries it and how many banks it passes through on the way.
Typical times
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Euros within the SEPA area
by the next business day, or seconds with SEPA Instant.
Other international transfers over SWIFT
usually one to five business days.
What slows a transfer down
Each extra bank in the chain can add time and fees. Weekends, bank holidays in either country and sending after the daily cut-off time all push a transfer back. Security checks can also hold a payment, especially a large or unusual one, and a wrong IBAN, SWIFT code or name can send it back to you.
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Avoiding delays
Double-check the account details, send early in the day on a business day, and hold money in the currency you are paying in where you can, so it doesn't need converting on the way.
Where SendPay fits
SendPay platforms give your customers GBP, EUR and USD accounts and transfers under your own brand, with currency exchange at a fee the owner sets, powered by licensed partners.
How it works
Your own money app- 1Name it and pick your colours
- 2Choose what it does
- 3Launch when you are ready
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SendPay Business is a technology company, not a bank. Accounts, cards and payments are powered by licensed partners.
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Spotted a mistake or something out of date? and we'll fix it. How our guides are made
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. Other companies named in this guide are reference points only and are not affiliated with SendPay Business.