Cross-border payments

Learn how to send and receive money internationally easily and securely. Explore our convenient options for international payments and money transfers.
Log on and create a cross-border paymentOpens in a new window

Good to know about cross-border payments

To make an international payment, you must have completed an adequate customer due diligence assessment. This is where you specify the countries to which you intend to make international payments, as well as the expected number and value of those payments. You can find your customer due diligence information under your profile when you log in Opens in a new window to the online bank.

International payment to a new country

When you add a new country for international payments in your customer due diligence profile, there is a 24-hour waiting period. This is to help reduce the risk of fraud. Once the waiting period has passed, you can make your international payment as usual.

Available countries

See the list for countries open for cross-border payment.  

Have the correct information ready

Prepare by having the recipient’s name and address, IBAN, and BIC, or the relevant national bank identifier, available.

More efficient cross-border payments

Handelsbanken is connected to the SWIFT Global Payments Innovation (GPI) service. This enables more efficient processing of payment flows. As a customer, you will have greater ability to track your payment and receive confirmation when the payment has reached the recipient.

Register the payment in the online personal bank

You can make the payment through the online personal bank and send money in various currencies. Depending on the type of international payment you choose, processing times and fees may vary. Once the payment has been registered, a receipt will be sent to your secure digital mailbox.

Common standards For international payments

  • IBAN

    IBAN is an account number written according to a common European standard. You will find your account's IBAN in Online banking and in the mobile app.
    Check IBANOpens in a new window

  • BIC (SWIFT)

    BIC is an international standard for secure identification of a bank. A BIC always consists of 8 or 11 characters. The first six characters are always letters while the remaining can be either digits or letters. A BIC is not mandatory when an IBAN is used.

  • National bank-id

    A national bank ID has the same function as a BIC code to identify a bank. A national bank ID always starts with two letters followed by digits.

When will the money arrive?

Depending on the type of cross-border payment you select, the time and the cost will vary.
  • Payments:
    SEPA payment
    At beneficiary bank:
    Before 15.00 same day and after 15.00 next banking day
    Cost:
    Online SEK 0
    Branch SEK 150
    Comment:
    SEPA is a fast method to use for payment in EUR within EU/EEA and to Switzerland and Great Britain.
  • Payments:
    EUR payment in EUR
    At beneficiary bank:
    Same day, latest within 1 banking day
    Cost:
    Online SEK 0
    Branch SEK 150
    Comment:
    The cheapest and most secure payment method within the EU/EEA and to Great Britain and to Switzerland.
  • Payments:
    EU payment in SEK
    At beneficiary bank:
    Within 2 banking days
    Cost:
    Online SEK 0
    Branch SEK 150
    Comment:
    SEK payments are only regarded as EU payments in Sweden.
  • Payments:
    Normal
    At beneficiary bank:
    Within 2-3 banking days
    Cost:
    Online SEK 60
    Branch SEK 300
    Comment:
    Used mostly for payments to countries outside the EU/EEA, Great Britain and to Switzerland.
  • Payments:
    Express
    At beneficiary bank:
    Within 1 banking day
    Cost:
    Online SEK 350
    Branch SEK 550
    Comment:
    The quickest way to send money. Note that it may take a day or two extra depending on the country the money is being sent to.*
  • Payments:
    Nordic customer payment
    At beneficiary bank:
    Same day, 1 banking day at the latest
    Cost:
    Online SEK 0
    Branch SEK 40
    Comment:
    For transfers to own account in Handelsbanken in Sweden and Norway in the currencies SEK, NOK and EUR.

*Not an option for EUR payments within the EU/EEA and to Great Britain and Switzerland or for SEK payments in Sweden.

Other fees

When making Normal or Express payments, you can choose to also pay the beneficiary’s fees. In addition to the above prices, there is a fee of SEK 250 for this fee allocation, “The remitter pays all fees, including the beneficiary’s fees (OUR)”. Handelsbanken cannot guarantee that other costs will not be charged by a foreign bank and this may be deducted from the remittance amount. 

For incoming payments to an account in Handelsbanken, EU/SEPA-payment and Nordisk kundbetalning are 0 kr and Normal- and Express are 60 kr.