How can we help you?

To create an international payee, make the initial payment to the recipient and the payee details will be available for future payments.

What you'll need to send an international payment

When making an international payment, make sure you have the beneficiary’s:

  • Name and address
  • Bank name and address
  • Bank Identifier Code (SWIFT BIC)
  • International Bank Account Number (IBAN)*

* A National Clearing Code (NCC), also known as a Routing Code, is required for payments without an IBAN. If you enter a NCC, you will require the recipient’s bank account number.

How do I make a payment using online banking

What you'll need

To approve an initial payment to a recipient you will require:

  • A personal current or savings bank account

and either:

  • your card and card reader or;
  • our mobile app if you've registered for biometric approval

Your step-by-step guide

  1. Log in to online banking
  2. Select 'Payments & transfers' from the main menu
  3. Under 'International payments', choose 'Make an international payment'
  4. Under 'Who would you like to send money to?' advise who you like to send money to:
    • If you select 'Someone I've paid before':
      Choose a recipient's name from the list
    • If you select 'Someone new':
      Select the country that you are sending money to from the list
    • Press 'Next'
  5. Under 'How much would you like to send?':
    • Choose the account to send the money from
    • Select the recipient’s currency
    • Enter the amount that you would like to send
    • Choose which charges you wish to pay
    • Select 'Get exchange rate and charges' and review the quote
    • If you accept the quote, press 'Next'
  6. Complete the recipient’s details including (pre-populated for an existing payee):
    • Recipient's name
    • Recipient's address
    • International Bank Account Number (IBAN)*
      * When entering the IBAN, please do not include any spaces
    • Bank Identifier Code (BIC) or National Clearing Code (NCC)**
      ** For payments using a NCC, please enter the recipient's bank account number in the IBAN field. You'll also require to enter the recipient's bank name and address.
  7. Complete the Additional details including:
    • Message to recipient
    • Reference for your statement
    • Payments to Bahrain or United Arab Emirates require a Purpose of payment code.
  8. Complete the security check to advise the reason for the payment, confirm that you wish to continue and press 'Next'
  9. Review the payment details, acknowledge you have read and accept the terms & conditions then press 'Next'

If this is the first payment made to this recipient, you'll be asked to approve the payment using your card reader or using our mobile app if you have registered for biometric approval.

Learn more about online banking

Online banking available to customers aged 11+ with a NatWest International account.

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