{"id":58791,"date":"2024-03-20T15:42:52","date_gmt":"2024-03-20T15:42:52","guid":{"rendered":"https:\/\/www.transfergo.com\/hsbc-international-transfers"},"modified":"2024-10-30T09:26:17","modified_gmt":"2024-10-30T09:26:17","slug":"hsbc-uk-international-transfers","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/gb\/hsbc-uk-international-transfers","title":{"rendered":"HSBC UK international transfers: Fees, exchange rates and transfer times"},"content":{"rendered":"\n<p>Apart from using the HSBC app or online banking platform, HSBC customers can also make international transfers via phone, in-person branch visits, or by post, although these methods may come with higher fees.<\/p>\n\n\n\n<p>With so many options, you might be feeling a little confused.&nbsp;<\/p>\n\n\n\n<p>This guide provides comprehensive information on making online payments to friends, family, or businesses overseas, covering the fees, exchange rates and limits to HSBC UK international transfers.<\/p>\n\n\n\n<p>But before we begin, it\u2019s worth pointing out that while HSBC offers international transfer services, there are digital alternatives out there offering faster and more cost-effective <a href=\"https:\/\/www.transfergo.com\/gb\/\" target=\"_blank\" rel=\"noreferrer noopener\">international transfers<\/a>.<\/p>\n\n\n\n<p>For example, this is how TransferGo compares to HSBC:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><\/td><td>             <strong>HSBC UK International Transfers<\/strong>           <\/td><td>            <strong>TransferGo International Transfers<\/strong><\/td><\/tr><tr><td><strong>Exchange Rates<\/strong><\/td><td>Between 1.5% and 3% of total transfer amount<br>Source: <a href=\"https:\/\/www.topmoneycompare.com\/guides\/hsbc-international-transfers\" target=\"_blank\" rel=\"noopener\">TopMoneyCompare<\/a><\/td><td>0.5% to 1.5% of total transfer amount                            <\/td><\/tr><tr><td><strong>Transfer Fee<\/strong><\/td><td>EEA: free<br>Outside EEA (Non-HSBC accounts): \u00a35  <\/td><td>Same day delivery: \u00a31.99 &#8211; \u00a32.99<br>Next day delivery: \u00a32.99<br>30 minute delivery: \u00a32.99<\/td><\/tr><tr><td><strong>Additional fees<\/strong><\/td><td>Intermediary and recipient banks may charge extra<\/td><td>Transparent fees (included in the recipient amount)<\/td><\/tr><tr><td><strong>Transfer limit<\/strong><\/td><td>\u00a350,000 per day<\/td><td><em>Subject to receiver country and delivery method<\/em><\/td><\/tr><tr><td><strong>Transfer times <br>(UK and Europe)<\/strong><\/td><td>1 -2 working days<\/td><td><strong>4 delivery options:<\/strong><br>30 minutes<br>End of the same day<br>Next working day, until noon<br>One working day<\/td><\/tr><tr><td><strong>Transfer times<br>(Outside Europe)<\/strong><\/td><td>Up to 5 working days <\/td><td><em>as above<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>With all that said, let\u2019s get started.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents <\/h2><nav><ul><li class=\"\"><a href=\"#1-how-hsbc-uk-charges-for-international-transfers\">1: How HSBC UK charges for international transfers<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#2-how-long-does-it-take-to-make-an-international-transfer-with-hsbc\">2: How long does it take to make an international transfer with HSBC?<\/a><\/li><li class=\"\"><a href=\"#3-how-to-make-an-international-transfer-with-hsbc-step-by-step\">3. How to make an international transfer with HSBC step-by-step<\/a><\/li><li class=\"\"><a href=\"#4-what-information-is-required-for-an-international-money-transfer-with-hsbc\">4. What information is required for an international money transfer with HSBC?<\/a><\/li><li class=\"\"><a href=\"#5-hsbc-uk-customer-satisfaction\">5. HSBC UK customer satisfaction<\/a><\/li><li class=\"\"><a href=\"#6-how-do-hsbc-uk-international-transfers-compare-to-other-banks\">6. How do HSBC UK international transfers compare to other banks?<\/a><ul><\/ul><\/li><li class=\"\"><a href=\"#7-hsbc-uk-contacts\">7. HSBC UK contacts<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"1-how-hsbc-uk-charges-for-international-transfers\"><strong>1: How HSBC UK charges for international transfers<\/strong><\/h2>\n\n\n\n<p>When sending money abroad with HSBC, you&#8217;ll encounter charges in the form of transfer fees and exchange rates.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><\/td><td><strong>HSBC charges<\/strong><\/td><td><strong>TransferGo charges<\/strong><\/td><\/tr><tr><td><strong>Exchange rates<\/strong><\/td><td>Between 1.5% and 3% of total transfer amount<br>Source: <a href=\"https:\/\/www.topmoneycompare.com\/guides\/hsbc-international-transfers\" target=\"_blank\" rel=\"noopener\">TopMoneyCompare<\/a><\/td><td>0.5% to 1.5% of total transfer amount  <\/td><\/tr><tr><td><strong>Transfer fees<\/strong><\/td><td>EEA: free<br>Outside EEA (Non-HSBC accounts): \u00a35  <\/td><td>Same day delivery: \u00a31.99 &#8211; \u00a32.99<br>Next day delivery: \u00a32.99<br>30 minute delivery: \u00a32.99<\/td><\/tr><tr><td><strong>Additional fees<\/strong><\/td><td>Intermediary and recipient banks may charge extra<\/td><td>Transparent fees &#8211; all included in the recipient amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"hsbc-uk-international-transfer-exchange-rates\"><strong>HSBC UK international transfer exchange rates<\/strong><\/h3>\n\n\n\n<p>Exchange rates are the most significant factor affecting the cost of international money transfers.&nbsp;<\/p>\n\n\n\n<p>This is because traditional banks such as HSBC often include a markup in the exchange rates they offer to customers, which serves as an additional, albeit hidden fee that may not be readily apparent during the transfer setup process.<\/p>\n\n\n\n<p>HSBC UK employs two main exchange rates: the &#8216;HSBC exchange rate&#8217; and the &#8216;HSBC global transfers exchange rate&#8217;. While customers receive a quote on the exchange rate upon initiating a transfer, it remains unclear whether these rates incorporate a markup.<\/p>\n\n\n\n<p>Although the exact exchange rate markup applied by HSBC is not explicitly disclosed, customers can compare the quoted exchange rate with the mid-market exchange rate using online currency converters.&nbsp;<\/p>\n\n\n\n<p>To get a sense of the exchange fee usually incurred when making HSBC UK international transfers, <a href=\"https:\/\/www.topmoneycompare.com\/guides\/hsbc-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">Top Money Compare<\/a> carried out an analysis estimating fairly high exchange costs: accordingly, HSBC charges between 1.5% and 3% of the total transfer amount.&nbsp;&nbsp;<\/p>\n\n\n\n<p>HSBC also does not provide an upfront exchange rate for bank transfers, leaving customers unaware until the last moment when the transaction is initiated.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-does-this-compare-to-transfer-go\">How does this compare to TransferGo?<\/h3>\n\n\n\n<p>TransferGo charges a small FX mark-up on the mid-market rate, ranging between 0.5% and 1.5% based on the destination of your transfer.<\/p>\n\n\n\n<p>These exchange rates are among the most favourable on the market, which is why TransferGo consistently secures a <a href=\"https:\/\/www.monito.com\/en\/send-money-with\/transfergo\" target=\"_blank\" rel=\"noreferrer noopener\">9\/10 Exchange Rate Score on Monito<\/a>.<\/p>\n\n\n\n<p>Ultimately, TransferGo allows the recipient to receive more money compared to HSBC&#8217;s exchange rates.<\/p>\n\n\n\n<p>TransferGo also includes all the fees in the amount your receiver gets: for the transfer to go through, you just pay in the exact same amount you entered in your transfer order.&nbsp;<\/p>\n\n\n\n<p>In other words, there are <em>no hidden fees<\/em> when making international transfers with TransferGo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"hsbc-uk-international-transfer-fees\"><strong>HSBC UK international transfer fees<\/strong><\/h3>\n\n\n\n<p>HSBC charges transfer fees, which vary depending on factors such as destination, account type and how the payment is arranged. For example:<\/p>\n\n\n\n<p>Receiving an international transfer:<\/p>\n\n\n\n<ul>\n<li>Euros from within the EEA: No fee.<\/li>\n<li>Foreign currency (excluding Euros) within the EEA: \u00a35.<\/li>\n<li>British pounds from outside the UK: \u00a35.<\/li>\n<\/ul>\n\n\n\n<p>Sending an international transfer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sending Euros within the EEA: Free via phone, in-branch, or using mobile banking.<\/li>\n\n\n\n<li>Sending Euros outside the EEA or any other currency internationally:\n<ul class=\"wp-block-list\">\n<li>Free to another HSBC account when arranged online, by phone, or in-branch.<\/li>\n\n\n\n<li>\u00a35 to non-HSBC accounts when arranged online, by phone, or in-branch.<\/li>\n\n\n\n<li>\u00a317 for transfers arranged by post.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>Understanding the impact of transfer fees on your overall transaction cost is essential.&nbsp;<\/p>\n\n\n\n<p>Compared to HSBC&#8217;s fee structure, <a href=\"https:\/\/www.transfergo.com\/gb\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/transfergo.com\" rel=\"noreferrer noopener\">TransferGo<\/a> ensures transparent and inclusive fees based on delivery option, eliminating the need for senders or receivers to cover any additional funds:&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Same day delivery: \u00a31.99 &#8211; \u00a32.99<\/li>\n\n\n\n<li>Next day delivery: \u00a32.99<\/li>\n\n\n\n<li>30 minute delivery: \u00a32.99<strong>&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"683\" width=\"1024\" src=\"https:\/\/www.transfergo.com\/wp-content\/uploads\/2024\/03\/iStock-1491524033-1024x683.jpg\" alt=\"2 friends comparing HSBC international transfers together \" class=\"wp-image-57953\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"hsbc-uk-international-transfer-additional-fees\"><strong>HSBC UK international transfer additional fees<\/strong><\/h3>\n\n\n\n<p>Apart from transfer fees and exchange rate margins, there may be additional costs associated with HSBC UK international transfers. These could include charges from intermediary banks or the recipient&#8217;s bank.&nbsp;<\/p>\n\n\n\n<p>Unfortunately, it&#8217;s difficult to determine these costs in advance.<\/p>\n\n\n\n<p>In comparison, with TransferGo you can guarantee no additional fees, ensuring that the recipient receives the full amount specified in your transfer order without any deductions.<\/p>\n\n\n\n<p>In summary, while HSBC provides a convenient platform for international transfers, it&#8217;s essential to consider the potential impact of exchange rates and transfer fees.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"2-how-long-does-it-take-to-make-an-international-transfer-with-hsbc\"><strong>2: How long does it take to make an international transfer with HSBC?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Destination<\/strong><\/td><td><strong>HSBC transfer times<\/strong><\/td><td><strong>TransferGo transfer times<\/strong><\/td><\/tr><tr><td>Within UK and Europe<\/td><td>1 -2 working days <\/td><td><strong>4 convenient delivery options:<\/strong><br>In 30 minutes<br>End of the same day<br>Next working day, until noon<br>One working day<\/td><\/tr><tr><td>Outside of Europe <\/td><td>Up to 5 working days <\/td><td><em>As above <\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The duration of your international money transfer with HSBC varies based on the destination. Here&#8217;s what you can expect:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transfers between UK and Europe: International money transfers between the UK and Europe typically take between one and two working days to complete.<\/li>\n\n\n\n<li>Transfers outside Europe: If you&#8217;re transferring money outside Europe with HSBC, it should generally take no more than five working days.<\/li>\n<\/ul>\n\n\n\n<p>With <a href=\"https:\/\/transfergo.com\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/transfergo.com\" rel=\"noreferrer noopener\">TransferGo<\/a>, you have the flexibility to choose the delivery option that best suits your needs, allowing for faster and more efficient international transfers.<\/p>\n\n\n\n<p>Depending on the delivery option you choose when ordering your transfer, TransferGo can deliver your money to your recipient within:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>One working day<\/li>\n\n\n\n<li>End of the same day from when you created the transfer<\/li>\n\n\n\n<li>The next working day, until noon<\/li>\n\n\n\n<li>In 30 minutes<\/li>\n<\/ul>\n\n\n\n<p>TransferGo offers expedited transfer times, ensuring your money reaches your recipient swiftly.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-how-to-make-an-international-transfer-with-hsbc-step-by-step\"><strong>3. How to make an international transfer with HSBC step-by-step<\/strong><\/h2>\n\n\n\n<p>To send money internationally with HSBC, you have two options: using the Global Money account feature in the HSBC UK mobile banking app or making an international payment through online banking or the app.<\/p>\n\n\n\n<p><strong>Send money with Global Money:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Access the HSBC UK mobile banking app: Log in to your HSBC UK mobile banking app.<\/li>\n\n\n\n<li>Use Global Money: If you have a Global Money account, select &#8216;Pay or transfer&#8217; and then choose &#8216;Send money internationally&#8217; from the menu.<\/li>\n\n\n\n<li>Enter payment details: Input the payment details and follow the on-screen instructions.<\/li>\n\n\n\n<li>Review and confirm: Check the payment details and confirm the transaction.<\/li>\n<\/ol>\n\n\n\n<p>If you don&#8217;t have a Global Money account, you&#8217;ll need to open one first.&nbsp;<\/p>\n\n\n\n<p>Log in to the HSBC app, select the &#8216;Global Money&#8217; option and follow the instructions to set up your account.<\/p>\n\n\n\n<p><strong>Send money through online banking:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Access online banking: Log in to your HSBC online banking account.<\/li>\n\n\n\n<li>Add payees: Add your friends and family as payees if you haven&#8217;t already.<\/li>\n\n\n\n<li>Initiate payment: Select &#8216;Pay and transfer&#8217; and choose the account for the payment.<\/li>\n\n\n\n<li>Enter payment details: Fill in the recipient&#8217;s details and follow the instructions.<\/li>\n\n\n\n<li>First-time international payments: If it&#8217;s your first time sending money outside the UK, you may need to authorise the transaction using your Secure Key.<\/li>\n\n\n\n<li>Review and confirm: Review the payment summary and confirm the transaction. You can make future international payments to the same payee via the app.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"4-what-information-is-required-for-an-international-money-transfer-with-hsbc\"><strong>4. What information is required for an international money transfer with HSBC?<\/strong><\/h2>\n\n\n\n<p>To make an international transfer with HSBC, you&#8217;ll need to provide a specific set of details, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The amount of the payment, specifying if it&#8217;s in pounds sterling or another currency.<\/li>\n\n\n\n<li>Beneficiary&#8217;s name and address.<\/li>\n\n\n\n<li>Beneficiary bank&#8217;s SWIFT\/BIC code.<\/li>\n\n\n\n<li>Beneficiary&#8217;s IBAN (international bank account number) or complete account number.<\/li>\n\n\n\n<li>Beneficiary bank&#8217;s address.<\/li>\n\n\n\n<li>Reason for the payment.<\/li>\n\n\n\n<li>Payment reference.<\/li>\n<\/ul>\n\n\n\n<p>The information required may vary depending on the country to which you&#8217;re sending the payment.&nbsp;<\/p>\n\n\n\n<p>For instance, when sending money to countries that don\u2019t utilise the IBAN system, you may need to provide your recipient&#8217;s bank account number and additional details such as a sort code or routing number.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"5-hsbc-uk-customer-satisfaction\"><strong>5. HSBC UK customer satisfaction<\/strong><\/h2>\n\n\n\n<p>The best way to understand how customers feel is by reading reviews on independent platforms.<\/p>\n\n\n\n<p>HSBC, a major bank, has a rating of 1.6 out of 5 on <a href=\"https:\/\/www.trustpilot.com\/review\/www.hsbc.co.uk\" target=\"_blank\" rel=\"noreferrer noopener\">TrustPilot<\/a>, with 8,499 reviews. This rating is considered \u2018Bad\u2019. It suggests areas where HSBC could improve, including service quality and overall banking experience.<\/p>\n\n\n\n<p>In contrast, TransferGo boasts an <a href=\"https:\/\/www.trustpilot.com\/review\/transfergo.com\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cExcellent\u201d TrustPilot rating of 4.7\/5<\/a>, based on 34,047 reviews. This high rating indicates excellent service and customer satisfaction, as shown by the positive experiences shared by many users.<\/p>\n\n\n\n<p>While these ratings provide valuable insights, it&#8217;s important for individuals to research and consider their specific needs when choosing a financial service provider.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"6-how-do-hsbc-uk-international-transfers-compare-to-other-banks\"><strong>6. How do HSBC UK international transfers compare to other banks?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" height=\"615\" width=\"1024\" src=\"https:\/\/www.transfergo.com\/wp-content\/uploads\/2024\/03\/iStock-1173340181-1024x615.jpg\" alt=\"\" class=\"wp-image-57965\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"exchange-rates\">Exchange Rates <\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Bank <\/strong><\/td><td><strong>Exchange Rates <\/strong><\/td><\/tr><tr><td>HSBC<\/td><td>1.5% to 3% of total transfer amount [source: <a href=\"https:\/\/www.topmoneycompare.com\/guides\/hsbc-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare<\/a>]<\/td><\/tr><tr><td>Barclays<\/td><td>3% to 4% of total transfer amount [source: <a href=\"https:\/\/www.topmoneycompare.com\/guides\/barclays-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare<\/a>]<\/td><\/tr><tr><td>Halifax<\/td><td>0 &#8211; \u00a325,000: 3.55%<br>\u00a325,000.01 \u2013 \u00a375,000: 2.40%&nbsp;<br>\u00a375,000.01 &#8211; \u00a3250,000: 2.00%&nbsp;<br>\u00a3250,000.01 and above: 1.50%<br>[<a href=\"https:\/\/www.halifax.co.uk\/aboutonline\/payments-and-transfers\/international-payments\/send-money-guide.html#:~:text=If%2520the%2520current%2520GBP%252FEUR,our%2520current%2520margin%2520of%25203.55%2525.\" target=\"_blank\" rel=\"noopener\">Halifax Exchange Margin Calculator<\/a>]<\/td><\/tr><tr><td>Lloyds<\/td><td>0 &#8211; \u00a325,000: 2.60%<br>\u00a325,001 and above: Variable [<a href=\"https:\/\/www.lloydsbank.com\/business\/fx-margins.html\" target=\"_blank\" rel=\"noreferrer noopener\">Lloyds FX Margin<\/a>]<\/td><\/tr><tr><td>Nationwide<\/td><td>2% to 4% of total transfer amount [<a href=\"https:\/\/www.topmoneycompare.com\/guides\/nationwide-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare<\/a>]<\/td><\/tr><tr><td>NatWest<\/td><td>3% to 5% of total transfer amount [<a href=\"https:\/\/www.topmoneycompare.com\/guides\/natwest-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare<\/a>]<\/td><\/tr><tr><td>Santander<\/td><td>2% to 4% of total transfer amount [<a href=\"https:\/\/www.topmoneycompare.com\/guides\/santander-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare<\/a>]<\/td><\/tr><tr><td>TransferGo<\/td><td>0.5% to 1.5% of total transfer amount<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"transfer-fees\">Transfer fees<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Bank <\/strong><\/td><td><strong>Transfer Fees <\/strong><\/td><\/tr><tr><td>HSBC<\/td><td>EEA transfers: Free<br>Outside EEA transfers (Non-HSBC accounts): \u00a35<\/td><\/tr><tr><td>Barclays<\/td><td>Online: Free<br>Branch or telephone: \u00a325<\/td><\/tr><tr><td>Halifax<\/td><td><strong>Sender fees<\/strong><br>Euro: Free<br>Other currencies: \u00a39.50<br><strong>Recipient fees<\/strong><br>USA, Canada and Europe: \u00a312<br>Rest of the world: \u00a320<\/td><\/tr><tr><td>Lloyds<\/td><td>Lloyds to Lloyds: Free<br>Online: \u00a39.50<br>Branch or telephone: \u00a39.50<\/td><\/tr><tr><td>Nationwide<\/td><td>Euro: \u00a30<br>All other international payments (SWIFT): \u00a320<\/td><\/tr><tr><td>NatWest<\/td><td>Online: Free<br>SWIFT: \u00a315<br>By phone\/in-branch\/post:<br>Euro (standard): \u00a30<br>Non-Euro (standard): \u00a322<br>Euro (urgent): \u00a323<br>Non-Euro (urgent): \u00a330<\/td><\/tr><tr><td>Santander<\/td><td>Electronic transfers: \u00a325<br>Electronic Euro transfer (non-urgent: SEPA): Free<\/td><\/tr><tr><td>TransferGo<\/td><td>Same day delivery: \u00a31.99 &#8211; \u00a32.99<br>Next day delivery: \u00a32.99<br>30 minutes delivery: \u00a32.99<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"transfer-limit\">Transfer Limit <\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Bank <\/strong><\/td><td><strong>Transfer Limit <\/strong><\/td><\/tr><tr><td>HSBC<\/td><td>\u00a350,000 per day<\/td><\/tr><tr><td>Barclays<\/td><td>Varies based on <a href=\"https:\/\/www.barclays.co.uk\/help\/payments\/payment-information\/mobile-payment-limits\/\" target=\"_blank\" rel=\"noreferrer noopener\">bank account type<\/a><\/td><\/tr><tr><td>Halifax<\/td><td>\u00a3100,000 per day online<\/td><\/tr><tr><td>Lloyds<\/td><td>\u00a3100,000 online<\/td><\/tr><tr><td>Nationwide<\/td><td>No transfer limit<\/td><\/tr><tr><td>NatWest<\/td><td>\u00a310,000 per day online<\/td><\/tr><tr><td>Santander<\/td><td>\u00a3100,000 per day<\/td><\/tr><tr><td>TransferGo<\/td><td><em>Subject to receiver country and delivery method<\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"transfer-times-uk-to-europe\">Transfer times &#8211; UK to Europe<\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Bank <\/strong><\/td><td><strong>Transfe<\/strong>r <strong>Time (UK-EU)<\/strong><\/td><\/tr><tr><td>HSBC<\/td><td>1-2 working days<\/td><\/tr><tr><td>Barclays<\/td><td>1-2 working days<\/td><\/tr><tr><td>Halifax<\/td><td>Payments in Euros: Next working day&nbsp;<br>Payments in other currencies: Up to four working days<\/td><\/tr><tr><td>Lloyds<\/td><td>1-2 working days<\/td><\/tr><tr><td>Nationwide<\/td><td>Payments in Euros: End of next working day<br>Payments in other currencies: Up to four days<\/td><\/tr><tr><td>NatWest<\/td><td>Standard: 2-4 working days<br>Urgent: 1-2 working days<br>SEPA transfers: Same day<\/td><\/tr><tr><td>Santander<\/td><td>Up to 1 working day<\/td><\/tr><tr><td>TransferGo<\/td><td><strong>Four delivery options:<\/strong><br>30 minutes<br>End of the same day<br>Next working day, until noon<br>One working day<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"transfer-times-uk-eu-to-rest-of-world\">Transfer times &#8211; UK\/EU to Rest of World <\/h3>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Bank <\/strong><\/td><td><strong>Transfe<\/strong>r <strong>Time (Outside of Europe)<\/strong><\/td><\/tr><tr><td>HSBC<\/td><td><br>Up to 5 working days<\/td><\/tr><tr><td>Barclays<\/td><td>3-4 working day<\/td><\/tr><tr><td>Halifax<\/td><td>North America, Canada, Australia, South Africa, New Zealand and the Middle East: Up to four working days&nbsp;<br>All other countries: Up to 14 working days&nbsp;<\/td><\/tr><tr><td>Lloyds<\/td><td>Up to 3 working days<\/td><\/tr><tr><td>Nationwide<\/td><td>More than 4 days<\/td><\/tr><tr><td>NatWest<\/td><td>Standard: 1-2 working days<br>Urgent: 1-2 working days<br>SEPA transfers: Same day<\/td><\/tr><tr><td>Santander<\/td><td>Up to 4 working days<\/td><\/tr><tr><td>TransferGo<\/td><td><strong>X4 delivery options:<\/strong><br>30 minutes<br>End of the same day<br>Next working day, until noon<br>One working day<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"7-hsbc-uk-contacts\"><strong>7. HSBC UK contacts<\/strong><\/h2>\n\n\n\n<p>If you have inquiries or require assistance, there are various channels through which you can contact HSBC:<\/p>\n\n\n\n<p><strong>Mobile banking app<\/strong><\/p>\n\n\n\n<p>You can get in touch with HSBC through the HSBC mobile banking app. Follow these steps to start a chat:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Log on to the mobile banking app.<\/li>\n\n\n\n<li>Select the &#8216;Support&#8217; tab.<\/li>\n\n\n\n<li>Choose &#8216;Chat with us&#8217;.<\/li>\n<\/ol>\n\n\n\n<p><strong>Branch visit<\/strong><\/p>\n\n\n\n<p>Alternatively, you can visit an HSBC branch. Use their branch finder to locate the nearest branch.<\/p>\n\n\n\n<p><strong>Phone<\/strong><\/p>\n\n\n\n<p>From the UK:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Phone: 03457 404 404<\/li>\n\n\n\n<li>Operating Hours: 08:00 to 20:00 daily<\/li>\n<\/ul>\n\n\n\n<p>From outside the UK:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Phone: +44 1226 261 010<\/li>\n<\/ul>\n\n\n\n<p><strong>Non-HSBC customers<\/strong><\/p>\n\n\n\n<p>Within the UK:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Phone: 03455 873 444<\/li>\n\n\n\n<li>Operating Hours: 08:00 to 20:00 daily (except Christmas Day, Boxing Day and New Year&#8217;s Day)<\/li>\n<\/ul>\n\n\n\n<p>From outside the UK:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Phone: +44 1226 261 010<\/li>\n<\/ul>\n\n\n\n<p><strong>Summary&nbsp;<\/strong><\/p>\n\n\n\n<p>Whenever you <a href=\"https:\/\/www.transfergo.com\/gb\/\" target=\"_blank\" rel=\"noreferrer noopener\">send an international payment<\/a> and are researching the most cost-effective ways to do it, pay attention to all the different fees that may apply.&nbsp;<\/p>\n\n\n\n<p>As we have seen, some of these fees are not always that obvious. Doing a little research (as you\u2019ve just done by reading this helpful guide!) and comparing all your options could save you quite a bit of money and inconvenience in the end.<\/p>\n\n\n\n<p><strong>Sources<\/strong><\/p>\n\n\n\n<p>HSBC UK international transfers info:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.hsbc.co.uk\/international\/money-transfer\/\" target=\"_blank\" rel=\"noreferrer noopener\">HSBC UK | international transfers<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.hsbc.co.uk\/current-accounts\/products\/global-money\/\" target=\"_blank\" rel=\"noreferrer noopener\">HSBC UK | Global Money<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.hsbc.co.uk\/content\/dam\/hsbc\/gb\/pdf\/personal-banking-terms-conditions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">HSBC personal banking terms and conditions and charges<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.hsbc.co.uk\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">HSBC | How to contact us<\/a><\/li>\n<\/ul>\n\n\n\n<p>Exchange cost estimates:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.topmoneycompare.com\/guides\/barclays-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare | Barclays<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.topmoneycompare.com\/guides\/hsbc-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare | HSBC<\/a>&nbsp;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.topmoneycompare.com\/guides\/nationwide-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare | Nationwide<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.topmoneycompare.com\/guides\/natwest-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare | NatWest<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.topmoneycompare.com\/guides\/santander-international-transfers\" target=\"_blank\" rel=\"noreferrer noopener\">TopMoneyCompare | Santander<\/a><\/li>\n<\/ul>\n\n\n\n<p>Customer satisfaction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.trustpilot.com\/review\/www.hsbc.co.uk\" target=\"_blank\" rel=\"noreferrer noopener\">TrustPilot | HSBC UK<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.trustpilot.com\/review\/transfergo.com\" target=\"_blank\" rel=\"noreferrer noopener\">TrustPilot | TransferGo<\/a><\/li>\n<\/ul>\n\n\n\n<p>______________<\/p>\n\n\n\n<p><em>Need to send money home? Don\u2019t forget to&nbsp;<a href=\"https:\/\/www.transfergo.com\/gb\/\" target=\"_blank\" rel=\"noreferrer noopener\">sign up<\/a>&nbsp;to TransferGo for easy, fast and affordable money transfers to Europe, Africa, Asia and beyond.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Apart from using the HSBC app or online banking platform, HSBC customers can also make international transfers via phone, in-person branch visits, or by post, although these methods may come with higher fees. With so many options, you might be feeling a little confused.&nbsp; This guide provides comprehensive information on making online payments to friends, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":57941,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1492,1490],"tags":[],"business_case_studies_tags":[],"class_list":["post-58791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-transfers","category-personal-finance"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/gb\/hsbc-uk-international-transfers","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"HSBC UK international transfers: Fees, exchange rates and transfer times","url":"http:\/\/www.transfergo.com\/gb\/hsbc-uk-international-transfers","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/gb\/hsbc-uk-international-transfers"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2024\/03\/0319_EN_HSBCInternationalTransfersUK_Banner_Blogs.png?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2024\/03\/0319_EN_HSBCInternationalTransfersUK_Banner_Blogs.png"},"articleSection":"Money transfers","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2024-03-20T15:42:52Z","datePublished":"2024-03-20T15:42:52Z","dateModified":"2024-10-30T09:26:17Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"HSBC UK international transfers: Fees, exchange rates and transfer times\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/gb\\\/hsbc-uk-international-transfers\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/gb\\\/hsbc-uk-international-transfers\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/0319_EN_HSBCInternationalTransfersUK_Banner_Blogs.png?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2024\\\/03\\\/0319_EN_HSBCInternationalTransfersUK_Banner_Blogs.png\"},\"articleSection\":\"Money transfers\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2024-03-20T15:42:52Z\",\"datePublished\":\"2024-03-20T15:42:52Z\",\"dateModified\":\"2024-10-30T09:26:17Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2024\/03\/0319_EN_HSBCInternationalTransfersUK_Banner_Blogs.png","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/posts\/58791","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/comments?post=58791"}],"version-history":[{"count":0,"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/posts\/58791\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/media\/57941"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/media?parent=58791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/categories?post=58791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/tags?post=58791"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/gb\/wp-json\/wp\/v2\/business_case_studies_tags?post=58791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}