Large transfers. Less stress.
Real rate.

If you're sending a lot of money abroad, we'd like to .

give you peace of mind. You'll always get the real
exchange rate, be able to track your transfer, and
reach a specialist if you need to.

Compare price How to get started

The rate is mightier than the fee.

Here's how much it actually costs to send £50,000 to euros with Swift pay, along with two high street banks. As you can see, you have to look at the exchange rate and fee in tandem.

Compare the costs
Exchange rate 1.14510
Transfer fee £0
You receive €57,254.91

Data collected from providers' websites on 19th of December independent research agency.

On every transfer, you get the real rate — and your recipient gets more money.

To make extra money, banks often add a spread to the exchange rate. It's like a big, hidden fee.

Our smart tech and lower costs let us give you the real rate, like the one you'll see on Google. Combine that with our transparent, upfront fee, and more of your money gets to the other side.

And if your transfer is over £100,000, your fee will be 0.1% less on the amount that's over that threshold.

See how much your transfer will cost
Send money
Lock down
abroad

Money doesn't get more
important than this.

cost
Purchasing property

No matter the size of your property abroad, you don't have room for hidden costs. Neither do we. You'll always see the transfer cost upfront.

Get started >
cost
Paying tuition

Don't learn about exchange rates the hard way. Banks like to mark them up, but we always give you the real rate, like the one on Google.

Get started >
cost
Purchasing property

No matter the size of your property abroad, you don't have room for hidden costs. Neither do we. You'll always see the transfer cost upfront.

Get started >
cost
Purchasing property

No matter the size of your property abroad, you don't have room for hidden costs. Neither do we. You'll always see the transfer cost upfront.

Get started >

Tips for large transfers.

how it works payments

Learn your bank's limits

We have very high transfer limits, but your bank might not. Ask them how much they'll let you send per day or per transfer.

If they have limits, our support team can
help you plan your transfer.
how it works payments

Get verified in advance

Send us your ID and proof of address in advance to save time on verification later.

See how verification works with
Swift Pay
how it works payments

Lock in your exchange rate

When you set up a transfer, your rate is guaranteed for 24–48 hours, so you have time to take advantage of a good rate.

Sign up for our rate alerts, and we'll let you
know when the rate is best.
secure

Your money's safe with us.

Swift Pay is an authorised Electronic Money Institution, independently regulated by the Financial Conduct Authority (FCA) in the UK, the Financial Crimes Enforcement Network (FinCEN) in the US, and many other
regulators around the world.

To safeguard your money, we keep it in low-risk financial institutions including JP Morgan Chase, Deutsche Bank, and
Barclays.

We're also happy for you to judge us by our over 5 million
customers. See what they have to say on Trustpilot.

Stay on top of the rate.

Sign up for our rate alerts and we'll let you know when the rate is best.
Sign up for rate alerts
secure

A support team dedicated to large transfers

We want to make it as easy as possible to send large amounts of money abroad.

If you have any questions or something's not clear, just reach out. Our specialist can walk you through the entire process.

Send us an email.

FAQs

Once you’ve opened your Swift Pay account, we’ll need to verify your identity, usually with some photo ID, proof or address, and/or a picture of you holding that ID.

The way we verify you depends on a few things:

The amount you send:

  • when you send larger amounts, like 80,000 GBP or more, we might need to see additional documents that show how you got the money.
  • when you send smaller amounts, we'll usually verify your identity.

The currency you send:

  • some countries require some proof of identities to send any amount.
  • some currencies require further identification.

How many transfers you've made:

  • while we might only verify your identity at first, we might need to verify your address later on.

A valid ID document can be:

  • passport (photo page only)
  • if you're a Nigerian citizen, we only accept passports or the new type of Nigerian national cards
  • national ID card
  • photo driver's licence (except New Zealand residents sending NZD)

A valid proof of address document can be:

  • utility bills: gas, electric, or landline phone (no mobile phone bills)
  • a bank or credit card statement (photo/scan of a physical letter or PDF of statement)
  • a council tax bill, or a HMRC notification
  • vehicle registration or tax
  • photo driving licence showing your address and expiry date
  • any other government or financial institution-issued document

If your money comes from your salary, we might ask for:

  • pay slips
  • a recent tax return
  • a letter from your employer about how much you earn

If your money comes from investments, we might ask for:

  • investment or savings certificates, contract notes or statements
  • confirmation from the investment company, bank or dividend payerAnswer...

If your money comes from selling property, we might ask for:

  • part of the sales contract that’s signed by both parties
  • a bank statement that shows you’ve received the money, with reference to the sale of a specific property