Global banking
International Banking
Send money worldwide, spend abroad, and manage multiple currencies — all in one place.
40+
Currencies
180+
Countries
Mid-market
Exchange rate
Transfer fees
Popular corridors
From
To
Fee
Speed
GBP
EUR
Free
Instant
GBP
USD
£1.99
Same day
GBP
CHF
£1.99
Same day
GBP
JPY
£2.99
1 – 2 days
GBP
AUD
£2.99
1 – 2 days
GBP
CAD
£1.99
Same day
Mid-market exchange rate applied. Additional local bank fees may apply at the recipient end. All rates subject to change.
Features
International features
Multi-currency wallet
Hold, exchange, and spend in over 40 currencies. Lock in exchange rates in advance.
Real-time transfers
SEPA and Faster Payments transfers are instant. SWIFT transfers in 1 to 5 business days.
Mid-market rates
We use the mid-market exchange rate with no hidden markup — the same rate you see on Google.
Spend abroad for free
Use your Lumina card in 180+ countries with no foreign transaction fees on standard purchases.
Sending limits up to £1m
Verified customers can send up to £1,000,000 per transaction via SWIFT international wire.
Everything included
What's included
IBAN and BIC for receiving international payments
SWIFT and SEPA transfers
Real-time currency exchange in the app
Forward contracts to lock in exchange rates
Instant currency conversion at checkout
Dedicated international support team
Bank without borders
Open an account today and start sending money worldwide in minutes.
Open an account