Faster Payments
UK pounds to any UK sort code and account number.
- Kelvern fee
- £0.30
- Arrives
- Usually within two minutes, every day of the year
- Cut-off
- None. It runs at weekends and on bank holidays.
- Typical bank fee
- £0.00
Currencies and rails
Five currencies, three rails, one arrival date
Which rail a payment takes decides when it lands and what it costs. Here is every one we use, with the cut-off times that move the date.
The rails
SEPA
Euros to any IBAN in the 36 SEPA countries.
- Kelvern fee
- £0.30
- Arrives
- Next business day
- Cut-off
- 14:00 CET for next-day settlement
- Typical bank fee
- £15.00
SWIFT
Every other currency and country, with the correspondent fee shown up front.
- Kelvern fee
- £6.00
- Arrives
- Second business day, one correspondent bank
- Cut-off
- 15:00 UK time
- Typical bank fee
- £25.00
Which currency travels how
Hold any of these as a balance, receive them from customers, and pay suppliers in them.
| Currency | Pay by | Example mid-market |
|---|---|---|
| GBP British pound | Faster Payments, SWIFT (from a EUR balance) | 1 EUR = 0.8439 |
| EUR Euro | SEPA, SWIFT | 1 GBP = 1.1850 |
| USD US dollar | SWIFT | 1 GBP = 1.3420 |
| CNY Chinese yuan | SWIFT | 1 GBP = 9.5610 |
| PLN Polish złoty | SWIFT | 1 GBP = 5.0870 |
Example rates for illustration only, fixed at 09:00 on 24 September 2026. Not an offer.
Three things that move an arrival date
A missed cut-off
A SEPA payment approved after 14:00 CET goes a day later. The quote tells you before it happens, and the date changes on screen.
A bank holiday on either side
SEPA follows the TARGET2 calendar, SWIFT follows the holidays of both countries. Both are in the date we show.
A second correspondent bank
Some SWIFT payments pass through two banks, adding a day and a fee. We route through one wherever the receiving bank allows it.
Price a payment in your currency.
Use the calculator with your own invoice amount, or open an account and get live rates.
Or call the payments desk on 0113 496 0128, Mon–Fri, 07:30–18:00 UK time.