International Hints and Tips

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1 International Hints and Tips

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3 Q: What is the cut off time for processing International payments? A: International payments must be submitted and fully approved within the cut off time indicated in the table below or payment date amended to next business day for processing. Currency Payment Network Payment Normally Received Cut-Off Time Pound Sterling SWIFT Same Day Euro SWIFT Same Day US Dollar SWIFT Same Day Other SWIFT Variable dependant on Currency Euro SEPA Next Business Day Q: What information do I need from the beneficiary to make a payment? A: For payment within the European Economic Area (EEA) you will require a BIC code and an IBAN/Account number. Payment out with the EEA often require a Bank Address complete with the beneficiary bank clearing code in addition to the IBAN/Account number. A BIC code also known as a SWIFT code is a unique identification code for your beneficiaries bank. BIC codes will contain 11 characters, an 8 digit code may be extended with XXX on occasions where the payment is going within the EEA and not required to go to a specific branch, you should always check with your beneficiary in the first instance. Bank clearing code may also be referred to as Fedwire/ABA code. The Bank clearing code will be 9 digits in length and should always be obtained and verified with the beneficiary. Q: What currency can I use to make payments? A: When making an international payment from a sterling account you can select to make the transfer in sterling or the currency of the beneficiary account. When making an international payment from a currency account the payment must be sent in the currency of the account or sterling no alternative currency may be selected for sending, when the beneficiary requires to receive the funds in an alternative currency you must send in sterling and select the relevant credit currency.

4 Q: When do I need an FX rate and how do I get one? A: You must book a rate for values of 25,000 and above, or the equivalent to this value in your nominated currency. Once you have booked a rate you will be given a deal reference number to enter onto the payment screen. If you are a Direct Dealing or efx customer, follow your normal booking procedure. Otherwise, contact your Relationship Manager. FX Rate refers to the rate one currency will be exchanged for another. Q: What should I put in the reference/purpose of payment section? A: The reference/purpose of payment should include as much information as available including beneficiary where this has exceeded the character limitation within this field, any reference your beneficiary requires and a detailed description of what the payment reason is for. Q: Payment charging options explained A: There are three options available for you to select: Our You will pay all charges. This charge will be deducted from the payment amount. Shared Charges are shared between the remitter and the beneficiary. Their The beneficiary pays all of the charges. Note that within the EEA: Their Is not an available option. Our Can only be used when a cross currency payment is being made. Q: Can I make an International payment to a currency account held in the UK? A: An International payment from a Clydesdale or Yorkshire bank account to another Clydesdale or Yorkshire bank account can t be done on Business Online, in order to instruct this type of payment contact your Relationship Manager. An International payment to another banks currency account within the UK can be successfully made following the same steps as you would for an international payment out with the UK, please note fees and charges will remain in place for this international payment type.

5 Q: What countries are within the EEA? Austria Estonia Iceland Luxembourg Romania Belgium Finland Ireland Malta Slovakia Bulgaria France Italy Netherlands Slovenia Cyprus Germany Latvia Norway Spain Czech Republic Greece Liechtenstein Poland Sweden Denmark Hungary Lithuania Portugal UK Clydesdale Bank and Yorkshire Bank are trading names of Clydesdale Bank PLC which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No ). Clydesdale Bank PLC. Registered in Scotland (No. SC001111). Registered Office: 30 St. Vincent Place, Glasgow, G1 2HL. XXXXXX (XX/XX) RXXXX XXX XX

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