Services / Send
International Payments
Send and receive international business payments with £0 / €0 / $0 payment fees, on the route that actually gets it there. Same day, up to next day, with our team on the end of the phone 24/7 if a payment needs chasing.
02 / Send
How do international payments work with BLK.FX?
You tell us who you are paying, in which currency and when. We send it on the fastest rail for that country, whether that is Faster Payments, SEPA, SWIFT, ACH or local clearing, with the cost and arrival window confirmed before anything leaves your account.
Free international payments
£0 / €0 / $0 payment fees. The only cost is a very competitive FX margin.
£0 / €0 / $0 payment fees
Faster Payments, SEPA, SWIFT and ACH
Same day, up to next day
24/7 support when needed
What it costs
How much does it cost to send money internationally?
With BLK.FX the payment itself is free. If a conversion is needed, the only cost is the FX margin, typically 0.2% to 0.6%. A high street bank usually charges international bank transfer fees on every payment, on top of the margin in its rate.
High street bank
£15 / €20 / $20
Typical international payment fee, plus 1% to 3% in the rate. Same day, up to 5 working days.
Typical bank charges; varies by bank.
BLK.FX
£0 · Free
£0 / €0 / $0 payment fees. Completely free.
Same day, up to next day.
Payment rails
Which payment rail gets my money there fastest?
The route decides when a payment lands, not the fee on the invoice. We pick the fastest one for each country and currency, and use local clearing instead of SWIFT wherever a country has it.
01
Faster Payments
The UK's near-instant network. Sterling payments usually arrive within seconds to a couple of hours.
02
SEPA
Low cost across the euro zone, usually same or next working day. SEPA Instant settles in seconds where both banks support it.
03
SWIFT
Reaches almost any bank, in most currencies. The broadest coverage, but it can take one to five working days.
04
ABA / ACH
US domestic payments in dollars, low cost, typically within a couple of working days.
Who it is for
Who uses BLK.FX for international payments?
Each payment gets a route, a cost and an arrival window agreed before anything leaves the account.
Suppliers
Paying an overseas supplier
Pay overseas suppliers with the route and timing confirmed before you send, not after.
Payroll
International payroll and contractors
International payroll payments on the same route, with the same team, every cycle.
Deadlines
A payment that has to land on a date
Arrival window agreed upfront, so a completion or a contract date is never the risk.
Support
A payment that's late or sent back
Traced directly with the bank by our 24/7 team, not queued as a ticket.
Common questions
International Payments, answered.
What's the difference between SWIFT and a local payment rail?
SWIFT reaches almost any bank in the world but routes through correspondent banks that can each take a cut and add a day or more. A local rail, such as Faster Payments, SEPA or ACH, settles inside that country's own clearing system, usually faster and without the correspondent fees.
What happens if a payment is delayed or sent back?
It is usually a correspondent bank holding it in transit or a mismatch in the beneficiary's details. Our team traces the payment directly with the receiving bank and helps move it forward, rather than routing you through a support queue.
Which countries and currencies can I pay?
35+ currencies across most countries. If your route isn't listed, ask, most can still be arranged.
How quickly will the payment arrive?
Same day, up to next day on most routes. Faster Payments and SEPA Instant can land in minutes; SWIFT can take one to five working days depending on the corridor. We confirm the expected timing before you send.
Who holds and regulates the money?
BLK.FX works only with regulated execution partners across the UK, the EEA and the US. Client funds are safeguarded under those partners' e-money and payment licences.
International Payments
Find out what you are
currently paying to send.
Bring who you are paying, the currency and roughly when. You will get a straight read on the cost and the route, agreed before anything is sent.
Book a call with our team