Local VS International transfers

Payments within the same country in the main currency of the country are considered as Local, including:

• SEPA account holders sending EUR to SEPA counterparties including EEA territories
• SEPA account holders sending GBP to UK counterparties including British territories
• UK customers sending EUR to SEPA counterparties including EEA territories

Payments to other countries, or payments within the same country but not in that country's main currency are considered as International (see SWIFT transfers). For example: sending GBP from a Polish account to a Polish recipient.

Note: inbound local and international transfers in GBP, USD, EUR and CHF will not be counted towards your free allowance.

Find out more about transfers in Sending & Receiving money FAQs.