Can I make international payments?

Yes, you can make international payments in EUR via SEPA (The Single Euro Payments Area) now. To do this, you’d have to request your account’s EURO SEPA details and accept the SEPA T&Cs available here. 

You can also receive international payments in EUR via SEPA.

• Balance adjustments due to chargebacks, disputes or banking recalls (i.e. if someone paid into your account by mistake and asked their bank to recall the payment)

• Offline card transactions (i.e. purchases placed on a plane)

• Pre-authorised card transactions (when you have enough money in your account at the moment you authorised a payment, but you spend that money before it’s actually cleared)

• A refund reversal (when you have received a refund, but the merchant has reversed it after)

You can see your SEPA details in the app, by going to Accounts > Details next to your main account > EUR SEPA.

Tap Share to share them with your customers in SEPA countries and receive payments from them.

We’ll convert any euros you receive into pounds and credit them to your primary GBP Tide bank account, minus a 1.50% FX markup.

To learn more about SEPA, and how to use it to send or receive international payments, visit the dedicated FAQ page.

You can receive international payments in GBP via SWIFT (Society for Worldwide Interbank Financial Telecommunication) too. To do this, you’ll need your SWIFT account details. 

You can find these in the app by tapping the Accounts > Details next to your main account > SWIFT. Then tap Share to send your details to payors.

We will charge you 20p per payment. If you’re using one of our paid plans, we’ll start charging the 20p fee after you’ve gone over your monthly free transactions limit. 

You can’t send payments via SWIFT but we will let you know if we make this possible in the future.