Bank transfer terms

We support standard domestic transfers, SEPA and SEPA Instant across the euro area, Faster Payments in the United Kingdom, and SWIFT wires for payments in other currencies or to countries outside the EEA. Availability depends on the currencies and countries we currently serve.

Instant payment rails settle within seconds. Standard domestic transfers settle the same business day. International wires can take between one and four business days depending on intermediary banks.

Transfers submitted after our cut-off time, on weekends, or on public holidays are processed on the next business day. Cut-off times for each rail are published in the transfer confirmation screen.

We route transfers based on the account number or IBAN you provide — we do not independently verify the beneficiary's name. If you send money to the wrong account, contact us immediately; we will make reasonable efforts to recover the funds but cannot guarantee success.

Incoming transfers may be recalled by the sending bank if they were made in error or are suspected of fraud. We will follow the rules of the relevant payment scheme when responding to a recall.