Help & Support

International non Sepa Transfer RoI only

  • What is an International Transfer?

    Read answer

    Republic of Ireland (ROI) Customers

    International Transfer functionality should be 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). Note: A SEPA transfer should be used where you wish to make a euro transfer to a SEPA zone country that has euro as its local currency.

    Northern Ireland & Great Britain (NI/GB) Customers

    An International Transfer is used for sterling and foreign currency transfers to other countries (e.g. Sterling to Spain or AUD to Australia).

  • What countries are available for International Transfers on 365 online?

    Read answer

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

    Australia

    New Zealand

    Switzerland*

    Canada

    Norway

    Thailand

    China

    Pakistan

    Turkey

    Croatia*

    Philippines

    United Arab Emirates

    Czech Republic*

    Poland*

    United Kingdom*

    Denmark*

    Russia

    United States

    Hong Kong

    Singapore

     

    Hungary*

    South Africa

     

    India

    Sweden*

     

    *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.

    NI/GB Customers - The following countries are available for International Transfers

    Australia Hungary Poland
    Austria Iceland Portugal
    Belgium India Romania
    Bulgaria Ireland Singapore
    Canada Italy Slovak Republic
    Croatia Latvia Slovenia
    Cyprus Liechenstein South Africa
    Czech Republic Lithuania Spain
    Denmark Luxembourg Sweden
    Estonia Malta Switzerland
    Finland Mexico Thailand
    France Netherlands Turkey
    Germany New Zealand United Arab Emirates
    Greece Norway United States
    Hong Kong Philippines  

    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.

  • On which Bank of Ireland digital channels can I make an International Transfer?

    Read answer

    ROI Customers - International Transfer functionality can be accessed via 365online, Bank of Ireland Tablet Banking and Bank of Ireland Mobile Banking.

    NI/GB Customers - International Transfer functionality is available on 365 online only.

  • What is an International Payee?

    Read answer

    ROI Customers - International (Non SEPA) 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.

    NI/GB Customer - International Payees are accounts held outside of the United Kingdom to which you transfer money. The payee account must be located in:

    • A country outside of the United Kingdom (e.g. Sterling to Spain or AUD to Australia)

    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 payee?

    Read answer

    Payee account details required will vary depending on the country. Please see appropriate table below for details.
     

    ROI Customers - Payee details 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

    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

    NI/GB Customers - Payee details required:

    International (Non SEPA) Payee Countries

    IBAN

    BIC

    National Sort Code

    Account Number

    ABA / Clabe

    Transfer currency available as an International
    (non SEPA) payee

    Australia

     

    X

    X

    X

     

    AUD

    Austria

    X

    X

         

    EUR / GBP

    Belgium

    X

    X

         

    EUR / GBP

    Bulgaria

    X

    X

         

    EUR / GBP

    Canada

     

    X

    X

    X

     

    CAD

    Croatia

    X

    X

         

    HRK/EUR/GBP

    Cyprus

    X

    X

         

    EUR/GBP

    Czech Republic

    X

    X

         

    CZK/EUR/GBP

    Denmark

    X

    X

         

    DKK/EUR/GBP

    Estonia

    X

    X

         

    EUR/GBP

    Finland

    X

    X

         

    EUR/GBP

    France

    X

    X

         

    EUR/GBP

    Germany

    X

    X

         

    EUR/GBP

    Greece

    X

    X

         

    EUR/GBP

    Hong Kong

     

    X

    X

    X

     

    HKD

    Hungary

    X

    X

         

    HUF/EUR/GBP

    Iceland

    X

     

    X

         

    EUR/GBP

    India

    X

    X

    X

       

    INR

    Ireland

    X

    X

         

    EUR/GBP

    Italy

    X

    X

         

    EUR/GBP

    Latvia

    X

    X

         

    EUR/GBP

    Liechenstein

    X

    X

         

    EUR/GBP

    Lithuania

    X

    X

         

    EUR/GBP

    Luxembourg

    X

    X

          EUR/GBP
    Malta

    X

    X

          EUR/GBP
    Mexico  

    X

       

    X

    MXN
    Netherlands

    X

    X

          EUR/GBP
    New Zealand  

    X

    X

    X

      NZD
    Norway

    X

    X

          NOK/EUR/GBP
    Philippines

    X

    X

    X

        PHP
    Poland

    X

    X

          PLN/EUR/GBP
    Portugal

    X

    X

          EUR/GBP
    Romania

    X

    X

          RON/EUR/GBP

    Singapore

     

    X

    X

    X

     

    SGD

    Slovak Republic

    X

    X

          EUR/GBP
    Slovenia

    X

    X

          EUR/GBP
    South Africa  

    X

    X

    X

      ZAR
    Spain

    X

    X

          EUR/GBP
    Sweden

    X

    X

          SEK/EUR/GBP
    Switzerland

    X

    X

          CHF/EUR/GBP
    Thailand  

    X

    X

    X

      THB
    Turkey

    X

    X

          TRY
    United Arab Emirates

    X

    X

          AED
    United States  

    X

     

    X

    X

    USD
  • What currencies are available when transferring funds to an International payee online?

    Read answer

    ROI Customers - 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 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

    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

    NI/GB Customers - The currencies available when transferring funds to an international payee are listed below:

    International Payee Countries

    Transfer currency available as an International
    payee

    Australia

    AUD

    Austria EUR / GBP

    Belgium

    EUR / GBP

    Bulgaria

    EUR / GBP

    Canada

    CAD

    Croatia

    HRK/EUR/GBP

    Cyprus

    EUR/GBP

    Czech Republic

    CZK/EUR/GBP

    Denmark

    DKK/EUR/GBP

    Estonia

    EUR/GBP

    Finland

    EUR/GBP

    France

    EUR/GBP

    Germany

    EUR/GBP

    Greece

    EUR/GBP

    Hong Kong

    HKD

    Hungary

    HUF/EUR/GBP

    Iceland

    EUR/GBP

    India

    INR

    Ireland

    EUR/GBP

    Italy

    EUR/GBP

    Latvia

    EUR/GBP

    Liechenstein

    EUR/GBP

    Lithuania

    EUR/GBP

    Luxembourg

    EUR/GBP

    Malta

    EUR/GBP

    Mexico MXN
    Netherlands EUR/GBP
    New Zealand NZD
    Norway NOK/EUR/GBP
    Philippines PHP
    Poland PLN/EUR/GBP
    Portugal EUR/GBP
    Romania RON/EUR/GBP
    Singapore SGD
    Slovak Republic EUR/GBP
    Slovenia EUR/GBP
    South Africa ZAR
    Spain EUR/GBP
    Sweden SEK/EUR/GBP
    Switzerland CHF/EUR/GBP
    Thailand THB
    Turkey TRY

    United Arab Emirates

    AED

    United States

    USD

     
  • How much can I transfer internationally online?

    Read answer

    For International 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 €/£10,000 (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 (ROI Customers only) via Tablet Banking, please see our Tablet Banking FAQs.

    Please note that International Transfers are only available for ROI customers on the Tablet Banking app.

  • How do I activate an International 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 payee, you can then make payments to this account immediately.

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

    Please note that International Transfers are only available for ROI customers on the Tablet Banking app.

  • What charges are associated with 365 online international transfers?

    Read answer

    ROI Customers - There are zero fees on Bank of Ireland international transfers 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 transfer transaction charges are contained in our brochure 'Schedule of International Transaction Charges' also available from any branch.

    NI/GB Customers - A £15 charge may apply depending on the currency that you wish to transfer:

    • International transfers sent outside the EU will attract a £15 charge (e.g. AUD to Australia).
    • International transfers to EU Member States sent in Euro will not attract a charge (e.g. EUR to Ireland)

    For full details, by country, of currency options available and the charge that will apply please view the NI/GB Charges table.

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

    Read answer

    Bank of Ireland offers competitive foreign exchange rates by sending your international transfers in the local currency which allows you to have certainty on the currency amount being sent. The local currency will depend on whether you are an ROI or NI/GB customer (i.e. Euro to Ireland or Sterling to the UK. Both ROI and NI/GB customers can send certain international transfers in the local host currency (e.g. Polish Zloty to Poland).

    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.

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

    Read answer
     

    If you give us an international  transfer instruction to pay money from your account, we treat the international 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.

    ROI Customers - 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.

    NI/GB Customers - If the payment is in Sterling or Euro and PSR-regulated we will ensure the payee’s bank is paid within one banking days of D. If it is a cross-border payment to another EEA currency (non-euro e.g Danish Kronar ) 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

  • What countries are part of the SEPA zone?

    Read answer

    The below table lists countries that are part of the SEPA zone. ROI customers wishing to transfer in euro to these countries must set the account up as a SEPA payee.

    SEPA zone countries:

    Austria

    Latvia

    Belgium

    Liechtenstein

    Bulgaria

    Lithuania

    Cyprus

    Luxembourg

    Estonia

    Malta

    Finland

    Monaco

    France

    Netherlands

    Germany

    Portugal

    Greece

    Romania

    Iceland

    Slovak Republic

    Italy

    Slovenia

      Spain
  • Which countries can be set up as both International and SEPA payees by ROI customers ?

    Read answer

    The following countries can be set up as both International 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 payee.

    Croatia

    Poland

    Czech Republic

    Sweden

    Denmark

    Switzerland

    Hungary

    United Kingdom

    Norway

     
  • Information on International Transfers

    Read answer

    What is an International Transfer?

    Republic of Ireland (ROI) Customers

    International (Non SEPA) Transfer functionality should be 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). Note: A SEPA transfer should be used where you wish to make a euro transfer to a SEPA zone country that has euro as its local currency.

    Northern Ireland & Great Britain (NI/GB) Customers

    An international transfer is used for sterling and foreign currency transfers to other currencies (e.g Sterling to Spain or AUD to Australia).

    What countries and currencies are available for international transfers?

    Countries & currencies available for international transfers can differ depending on whether you use your ROI or NI/GB account when making the transfer, details are provided in the below table.

    Note: The transferring currency is chosen by you when making the transfer (not when adding the payee).

    Countries Available

    Currencies available if using your NI/GB account

    Currencies available if using your ROI account

    Australia

    AUD

    AUD

    Austria

    EUR/GBP

    N/A – available as SEPA payee only

    Belgium

    EUR/GBP

    N/A – available as SEPA payee only

    Bulgaria

    EUR/GBP

    N/A – available as SEPA payee only

    Canada

    CAD

    CAD

    China**

    N/A – not offered to NI/GB

    EUR

    Croatia*

    HRK/EUR/GBP

    HRK

    Cyprus

    EUR/GBP

    N/A – available as SEPA payee only

    Czech Republic*

    CZK/EUR/GBP

    CZK

    Denmark*

    DKK/EUR/GBP

    DKK

    Estonia

    EUR/GBP

    N/A – available as SEPA payee only

    Finland

    EUR/GBP

    N/A – available as SEPA payee only

    France

    EUR/GBP

    N/A – available as SEPA payee only

    Germany

    EUR/GBP

    N/A – available as SEPA payee only

    Greece

    EUR/GBP

    N/A – available as SEPA payee only

    Hong Kong

    HKD

    HKD

    Hungary*

    HUF/EUR/GBP

    HUF

    Iceland

    EUR/GBP

    N/A – available as SEPA payee only

    India

    INR

    INR

    Ireland

    EUR/GBP

    N/A – available as SEPA payee only

    Italy

    EUR/GBP

    *N/A

    Latvia

    EUR/GBP

    N/A – available as SEPA payee only

    Liechtenstein

    EUR/GBP

    N/A – available as SEPA payee only

    Lithuania

    EUR/GBP

    N/A – available as SEPA payee only

    Luxembourg

    EUR/GBP

    N/A – available as SEPA payee only

    Malta

    EUR/GBP

    N/A – available as SEPA payee only

    Mexico

    MXN

    N/A - not offered to ROI

    Monaco**

    N/A not offered to NI/GB

    N/A – available as SEPA payee only

    Netherlands

    EUR/GBP

    N/A – available as SEPA payee only

    New Zealand

    NZD

    NZD

    Norway*

    NOK/EUR/GBP

    NOK

    Pakistan**

    N/A – not offered to NI/GB

    EUR

    Philippines

    PHP

    PHP

    Poland*

    PLN/EUR/GBP

    PLN

    Portugal

    EUR/GBP

    N/A – available as SEPA payee only

    Romania

    RON/EUR/GBP

    N/A – available as SEPA payee only

    Russia**

    N/A – not offered to NI/GB

    EUR

    Singapore

    SGD

    SGD

    Slovak Republic

    EUR/GBP

    N/A – available as SEPA payee only

    Slovenia

    EUR/GBP

    N/A – available as SEPA payee only

    South Africa

    ZAR

    ZAR

    Spain

    EUR/GBP

    N/A – available as SEPA payee only

    Sweden*

    SEK/EUR/GBP

    SEK

    Switzerland*

    CHF/EUR/GBP

    CHF

    Thailand

    THB

    THB

    Turkey

    TRY

    TRY/EUR

    United Arab Emirates

    AED

    AED

    United Kingdom**

    N/A – not offered to UK

    GBP

    United States

    USD

    USD

    *Indicates SEPA zone country thus ROI customers can set up as a SEPA Payee if you wish to transfer funds in EUR or an International (Non SEPA) if you wish to transfer in the countries local currency.
     

    ** Country not available if transferring from an NI/GB account.

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