Help & Support

International (Non SEPA) Transfer (ROI only)

  • What is an International (Non SEPA) Transfer?

    Read answer

    An International (Non SEPA) Transfer (formerly known as ‘International Transfer’) is used for euro transfers to non SEPA zone countries (e.g. Euro to China) and foreign currency payments (e.g. USD to USA or Sterling to the UK).

  • What countries are available for International (Non SEPA) transfers on 365 online?

    Read answer

    The following countries are available for International (Non SEPA) transfers:

    Australia

    Lithuania*

    Sweden*

    Canada

    New Zealand

    Switzerland*

    China

    Norway

    Thailand

    Croatia*

    Pakistan

    Turkey

    Czech Republic*

    Philippines

    United Arab Emirates

    Denmark*

    Poland*

    United Kingdom*

    Hong Kong

    Russia

    United States

    Hungary*

    Singapore

    India

    South Africa

    *Indicates SEPA zone country thus can be also set up as a SEPA Payee if you wish to transfer funds in EUR

    Tip: If you would like to transfer money to a country not listed, please go to your local Bank of Ireland branch and the payment / money transfer will be arranged for you.

  • What is an International (Non SEPA) Payee?

    Read answer

    International (Non SEPA) payees (formerly known as an International Payees), are accounts held outside of the Republic of Ireland to which you transfer money. The payee bank must be located in:

    • A non SEPA zone country or;

    • A SEPA zone country that does not have Euro as its currency e.g. Sterling to the UK or Zloty to Poland.

    You must add the international payee account details to 365 online before you can make payments.

  • What account details are required when setting up a new international (Non SEPA) payee?

    Read answer

    Necessary payee account details will vary depending on the country that you have selected.

    Please see the table for details on the account information required for each country. The countries where you require an IBAN and BIC are indicated. For all other countries, you will require the payee account number and BIC (for some countries, a National Sort Code of the payee's bank branch is also required). For payments to the USA an ABA code will be required.

     

    International (Non SEPA) Payee Countries

    IBAN

    BIC

    National Sort Code

    Account Number

    ABA

    Transfer currency available as an International
    (non SEPA) payee

    Australia

     

    X

    X

    X

     

    AUD

    Canada

     

    X

    X

    X

     

    CAD

    China

     

    X

    X

    X

     

    EUR

    *Croatia

    X

    X

         

    HRK

    *Czech Republic

    X

    X

         

    CZK

    *Denmark

    X

    X

         

    DKK

    Hong Kong

     

    X

    X

    X

     

    HKD

    *Hungary

    X

    X

         

    HUF

    India

     

    X

    X

    X

     

    INR

    *Lithuania

    X

    X

         

    LTL

    New Zealand

     

    X

    X

    X

     

    NZD

    *Norway

    X

    X

         

    NOK

    Pakistan

     

    X

    X

    X

     

    EUR

    Philippines

     

    X

    X

    X

     

    PHP

    *Poland

    X

    X

         

    PLN

    Russia

     

    X

    X

    X

     

    EUR

    Singapore

     

    X

    X

    X

     

    ZAR

    South Africa

     

    X

    X

    X

     

    ZAR

    *Sweden

    X

    X

         

    SEK

    *Switzerland

    X

    X

         

    CHF

    Thailand

     

    X

    X

    X

     

    THB

    Turkey

    X

    X

         

    TRY or EUR

    United Arab Emirates

    X

    X

         

    AED

    *United Kingdom

    X

    X

         

    STG

    United States

     

    X

     

    X

    X

    USD

    Important:
    *
    Indicates SEPA zone country thus can also be set up as a SEPA Payee if you wish to transfer funds in EUR

  • What currencies are available when transferring funds to an International (Non SEPA) payee via 365 online and Tablet Banking?

    Read answer

    The currencies available when transferring funds to an International (Non SEPA) payee are listed below.

    If you wish to make a euro payment to a SEPA zone country from the list below you will need to set the account up separately as a SEPA payee.

    International (Non SEPA) Payee Countries

    Transfer currency available as an International
    (non SEPA) payee

    Australia

    AUD

    Canada

    CAD

    China

    EUR

    *Croatia

    HRK

    *Czech Republic

    CZK

    *Denmark

    DKK

    Hong Kong

    HKD

    *Hungary

    HUF

    India

    INR

    *Lithuania

    LTL

    New Zealand

    NZD

    *Norway

    NOK

    Pakistan

    EUR

    Philippines

    PHP

    *Poland

    PLN

    Russia

    EUR

    Singapore

    SGD

    South Africa

    ZAR

    *Sweden

    SEK

    *Switzerland

    CHF

    Thailand

    THB

    Turkey

    TRY or EUR

    United Arab Emirates

    AED

    *United Kingdom

    STG

    United States

    USD

    Important
    *
    Indicates SEPA zone country thus can also be set up as a SEPA Payee if you wish to transfer funds in EUR

  • How much can I transfer internationally online?

    Read answer

    For International (Non SEPA) transfers, there is a total daily transaction limit of €20,000 (including international fees and charges).

    The threshold limit per transaction is €10,000 for India (INR), Thailand (THB) and the Philippines (PHP).   

    For added security, payments to Payees added using a security code sent to your mobile phone are subject to a working day transfer limit of €3,000 (including international fees and charges). These limits are included in the €20,000 daily transaction limit per working day for total payments on 365 online.

    For transfers over €20,000, please contact your local Bank of Ireland Branch.

  • How do I add a payee?

    Read answer

    For details on how to add a new payee via 365 online please see our demo Add a Payee”.

    For information on how to add a new payee via Tablet Banking, please see our Tablet Banking FAQs.

  • How do I activate an International (Non SEPA) Payee?

    Read answer

    Once you have registered your payee online you will receive a security code either by post or by mobile (depending on the selection made when adding the payee)

    1. Within the 'Manage Accounts' section, please select 'Manage Payees'

    2. Select the payee that you want to activate and click 'Activate'

    3. Enter the security code which was sent to you and click 'Activate Payee'

    When you have successfully activated your international (Non SEPA) payee, you can then make payments to this account immediately.

    For information on how to activate a new International (Non SEPA) payee via Tablet Banking, please see our Tablet Banking FAQs.

  • Can I delete an International (Non SEPA) Payee?

    Read answer

    Yes,

    1. Within the 'Manage Accounts' section, please select 'Manage Payees';

    2. Select the international (Non SEPA) payee you wish to delete and click 'Delete';

    3. Confirm deletion and click 'Delete Payee'.

    Tip: Once payees are deleted, the payee details will not be kept on the system. If you wish to add the international (Non SEPA) payee again, you will need to go through the registration and activation process.

    To delete a payee on Tablet Banking, tap Manage Payees from the left-hand menu.  From your list of payees, tap the payee you would like to delete.

  • What charges are associated with International (Non SEPA) transfers?

    Read answer

    There are zero fees on Bank of Ireland international payments to the UK, EU Member States and EEA Countries (e.g. Sterling to UK, Zloty to Poland). Countries with an FX Conversion (e.g. US$ to United States) are only €5.

    Full details of our International payment transaction charges are contained in our brochure 'Schedule of International Transaction Charges' also available from any branch. 

  • How do I tell what the exchange rate is when transferring foreign currencies?

    Read answer

    Bank of Ireland offers competitive foreign exchange rates and by sending your international (non SEPA) transfers in local currency i.e. Sterling to the UK or Polish Zloty to Poland you can have certainty on the currency amount being sent.

    Foreign exchange rates are based on current market rates. You will be advised of these rates on the ‘Enter Your PIN’ payment confirmation screen before you authorise the transaction with your 365 PIN.

    Tip: Daily foreign exchange rates

  • How long does it take for the money to arrive in the International (Non SEPA) Payee's account?

    Read answer
     

    If you give us an international (non-SEPA) transfer instruction to pay money from your account, we treat the international (non-SEPA) transfer instruction as given on the banking day ("D") on which we actually get it, so long as it is received by us before the cut off time (see below). If we receive it after the cut off time it will be treated as received on the next banking day.

    If the payment is in euro and PSR-regulated we will ensure the payee's bank is paid within one banking day of D. If it is a cross-border payment in Sterling or another EEA currency (non-euro) we will ensure the payee's bank is paid within three banking days of D. Transactions outside the EU/EEA may take longer to process.

    Cut-off times

    Cut-off time for ROI:      3.30pm

    Cut-off time for UK:        4.30pm

  • Translations - How to make International Payments online

    Read answer
  • As a result of the introduction of SEPA, which countries can now be set up as SEPA payees?

    Read answer

    Any previously existing International payees from SEPA zone countries, where we only offer you the ability to transfer funds in euro via Bank of Ireland Digital Banking services, are now known as SEPA payees, please see listing below.

    International payee countries that have become SEPA Payees as a result of recent changes:

    Austria

    Latvia

    Belgium

    Liechtenstein

    Bulgaria

    Luxembourg

    Cyprus

    Malta

    Estonia

    Monaco

    Finland

    Netherlands

    France

    Portugal

    Germany

    Romania

    Greece

    Slovak Republic

    Iceland

    Slovenia

    Italy

    Spain

  • Which countries can be set up as both International (Non SEPA) and SEPA payees?

    Read answer

    The following countries can be set up as both International (Non SEPA) and SEPA payees. 

    If you wish to transfer funds in euro you must add the account as a SEPA payee. If you wish to transfer funds in the local currency you must add the account as an International (Non SEPA) payee.

    Croatia

    Norway

    Czech Republic

    Poland

    Denmark

    Sweden

    Hungary

    Switzerland

    Lithuania

    United Kingdom

  • Under Construction

    Read answer

    Under Construction

If you can't find the answer to your question, why not contact us via Twitter or email below.

Contact us

Get in touch via email

Do not include any account information (numbers/PINs) in your message.