What is a SEPA Credit Transfer?

Introduced in January 2008, this service is for non-urgent payment in Euros to the following countries:

SEPA countries are the EU countries and their territories (including UK Crown Dependencies), Iceland, Lichtenstein, Norway and Switzerland

SEPA Credit Transfers:

To send payments by SEPA Credit Transfers (SCT) the payment must:
- be in Euros
- be sent to a bank in a SEPA country which is a member of the SCT scheme
- include a valid IBAN for the beneficiary's account
- include a SWIFTBIC if the payment is to a non-EEA country
If you request a SCT and we are unable to route it via SEPA we will send it as an international payment.


To make a SEPA CREDIT Transfer, follow the same procedure as Making an International Payment and choose 1-2 working days (standard service) when you are asked when you would like your payment to arrive

Tariff (Refer to Section 6 of the relevant Tarff Guide).

Note: Before you complete the payment, you will be advised of the exchange rate and charges

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