SEPA, SWIFT & local routes
Select from supported networks for the currency, country and beneficiary involved.
Payments across borders
The right route for money in motion.
Move funds for suppliers, customers, family or personal commitments. Bring beneficiary details, currency conversion, fees and transfer tracking into one clear workflow.
Capabilities
What this service supports.
Saved beneficiaries
Keep approved recipient details available for repeat transfers, subject to account controls.
Scheduled & recurring payments
Arrange supported future-dated or repeat payments around regular commitments.
Status & cost visibility
Review the quoted charges and available transfer status, including any intermediary-bank conditions.
Benefits in practice
Practical benefits. Connected clearly.
A more repeatable way to handle the payments that cross borders and currencies.
Less repetitive setup
Reuse approved beneficiary details instead of rebuilding each repeat payment.
Payment timing around commitments
Use supported scheduling for regular suppliers, household commitments or business activity.
A clearer cost decision
Understand exchange costs, service charges and possible recipient deductions before proceeding.
Track the movement
Follow the information available from the selected payment network through the account view.
In practice
Make the recipient and the route part of the plan.
A successful transfer starts with the correct details and a realistic understanding of processing, charges and required checks.
A repeat supplier payment
Use approved saved beneficiary details for a regular overseas commitment, where supported. Check the invoice reference, amount, available route and any intermediary charges before authorising each payment or schedule.
A personal international commitment
A payment to family or for an overseas household expense may use a different route from a business transfer. Confirm the recipient, supported destination, purpose and expected timing for that specific transaction.
How it works
From enquiry to eligible setup.
Add the recipient
Provide the beneficiary and account details required by the selected route.
Choose currency & route
Confirm the available transfer currency and destination.
Review & authorise
Check rates, charges, reference and payment details before approval.
Follow the status
Use the available tracking and account record to follow the transfer.
Transfers depend on account approval and route availability. Destination restrictions, checks, fees and processing times apply.
Common questions
Understanding international transfers.
How long does a transfer take?+
Timing depends on the network, countries, currencies, cut-off times and compliance checks. Instant or same-day arrival is not promised for every transfer.
Can I schedule repeat payments?+
Scheduled and recurring transfers are supported where available within your account arrangement. Account funding and approval conditions still apply.
Can I transfer to any country?+
No. Supported destinations and counterparties are determined by the provider, route and required checks.
Are there additional bank charges?+
SWIFT or other routes may involve intermediary and recipient-bank deductions. The applicable charge model is reviewed with the payment terms.
Discuss international transfers with Snowflow.
Tell us how you operate and what you need from your accounts, payments or international financial activity.