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How to receive international payments

How to get your account ready to accept international payments.

This guide shows you how to:

🔗 Receive money from abroad into your Tide account

🔗 Understand our fees and FX markup rates

Get your account ready for SWIFT payments

Get your account ready for SWIFT payments

What you need for sending international payments

You'll need your SWIFT (Society for Worldwide Interbank Financial Telecommunications) details.

+30 currencies you can collect with SWIFT

Australian Dollar (AUD), Bahrain Dinar (BHD), Canadian Dollar (CAD), Chinese Yuan (CNY), Czech Koruna (CZK), Danish Krone (DKK), Euro (EUR), Hong Kong Dollar (HKD), Hungarian Forint (HUF), Israeli Shekel (ILS), Japanese Yen (JPY), Kenyan Shilling (KES), Kuwait Dinar (KWD), Mexican Peso (MXN), New Zealand Dollar (NZD), Norwegian Krone (NOK), Omani Rial (OMR), Polish Zloty (PLN), Qatar Rial (QAR), Romanian Leu (RON), Saudi Riyal (SAR), Singapore Dollar (SGD), South African Rand (ZAR), Swedish Krona (SEK), Swiss Franc (CHF), Thai Baht (THB), Turkish Lira (TRY), Ugandan Shilling (UGX), UK Sterling (GBP), United Arab Emirates Dirham (AED), and US Dollar (USD).

Get your SWIFT details

  1. Tap Pay > select your account from stacked accounts

  2. Tap International account details > > wait for them to be enabled

  3. Select your currency

You'll only get one set of SWIFT account details. If you have more than one Tide account, these details will be linked to your primary Tide account.

Receive international payments into your account

Receive international payments into your account

Share your details with the person paying you

  1. Tap Pay > select your account from stacked accounts

  2. Tap International account details > select your currency

  3. Tap Share details to send your IBAN, Bank Identifier Code (BIC), and bank address

  4. The person paying you can then use these details to send you money from abroad

Processing the international payments you receive

If you’re receiving a payment sent to you via SWIFT, it will usually take a few minutes to arrive in your account.

Sometimes this may take up to 5 business days, as any money sent to you will need to pass our security checks.

The money will be automatically converted to GBP and will appear in your main account's balance.

Amounts you can receive

This depends on your Tide account limits. To view yours:

  1. Tap Pay > select your account from stacked accounts

  2. Tap Limits to see the limit on what you can receive

Not receiving your international payment?

This could be because:

  • They'll need to select the currency before sending the payment. If they send it in GBP, their bank may charge them additional fees

  • If a payment takes longer to arrive, you should request a Proof of Payment from the sender. They can get this from their bank. When they share the Proof of Payment with you, tap the Support icon in the top-right of your app so our team can look into it for you

  • All international payments are subject to eligibility criteria. The eligibility criteria is set internally between ourselves and our partner, and we’re not able to disclose this for security reasons

See your statements

See your statements

Your SWIFT payments are processed through a separate license to your GBP payments.

You'll be able to see them on your monthly statement.

International fees

Your SWIFT transactions are subject to a fee (based on your Tide plan), the interbank exchange rate on the day, and a FX markup.

We collect the fees during payment processing. You'll see them listed in the confirmation screen (when making a payment) and under the transaction details (when receiving a payment).

 
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Free
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Smart
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Pro
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Max

SWIFT payment

£10 each

£10 each

£7.50 each

£7.50 each

£5 each

£5 each

£3 each

£3 each

SWIFT FX fee

1.50%

1.50%

1.25%

1.25%

0.75%

0.75%

0.50%

0.50%

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