2–5 business days
Timing
SWIFTSEPAInvoicesBank transfers
How to send a SWIFT transfer abroad in 2026
Send a SWIFT transfer to an overseas bank account through the UAE or Hong Kong. Before payment, we check the bank details, currency and purpose and confirm the final terms and estimated timing. Average transfer time: 2–5 business days. Minimum transfer: USD 100.
- SWIFT transfers in euros, dollars, dirhams and other currencies
- Payment method agreed with your quote
- We help check bank details and payment purpose before sending
Service at a glance
Transfer / SBP
Payment by agreement
Invoice / contract
Business documentation
Which SWIFT transfers you can send
We check SWIFT availability for personal transfers, tuition, medical care, rent, invoices and company payments.
SWIFT transfer to a personal account abroad
Transfer to a personal bank account
- IBAN/SWIFT
- IBAN or account number
- SWIFT code and full name
- 2–5 business days
SWIFT invoice payment to a supplier
Pay a company for goods and services
- invoice
- invoice and bank details
- payment purpose
- support through completion
SWIFT transfers in euros, dollars and other currencies
Transfer in the recipient account's currency
- EUR/USD
- EUR, USD, AED or CNY
- bank detail checks
- terms confirmed before payment
SWIFT transfer for a company
International business transfer
- documents
- contract and invoice
- company bank details
- individual quote
Options, timing and cost
We confirm the final terms before payment.
| Option | Timing | Cost | What we need from you |
|---|---|---|---|
| To a personal account | 2–5 business days | quoted individually | Recipient's full name, bank, IBAN/account, SWIFT/BIC, recipient address and payment purpose |
| To a company account | 2–5 business days | quoted individually | invoice, contract and company bank details |
| Tuition or medical payment | 2–5 business days | quoted individually | invoice and institution bank details |
| Invoice payment | 2–5 business days | quoted individually | invoice, bank details and payment purpose |
What you need
Prepare the basic details to quote and send your SWIFT transfer.
- Recipient's full name or company name
- Bank name, IBAN / account number and SWIFT/BIC
- Amount, currency and payment purpose
- Recipient email, phone number and address
- Invoice or contract, if required
How to send a SWIFT transfer
How it works
STEP Send bank details
Specify the amount, currency, recipient details and payment purpose.
STEP Receive a quote
We check the bank details and confirm the total, fee and timing.
STEP Pay for your request
Pay using the agreed method.
STEP We send the transfer
We process the SWIFT transfer through the UAE or Hong Kong.
STEP Receive confirmation
After sending, we provide a SWIFT receipt with a tracking reference.
How you can pay
Choose a convenient method once your quote is confirmed.
- / QR code
- bank card
- Bank transfer
- Cash
- USDT
- Individual route
What reduces the risk of errors
Bank transfers require accurate details, so we check payment information and terms in advance.
Bank detail checks
We check the IBAN, SWIFT/BIC, recipient's full name and payment purpose.
Terms before payment
We confirm the fee, rate and estimated timing before payment.
Support through completion
We help with documentation and transfer status questions.
Confirmation
After sending, we provide a SWIFT receipt and tracking details.
Alternatives
If SWIFT does not suit the task, we suggest another available transfer method.
When you need a SWIFT transfer
We select a SWIFT transfer method for personal payments, tuition, medical care, rent, invoices or company settlements.
For personal and business payments
SWIFT is suitable when money needs to reach an overseas bank account held by an individual, educational institution, clinic, supplier or company.
What you need
Recipient details, amount, currency and payment purpose. Attach an invoice or contract if you have one.
SWIFT or another transfer method
The choice depends on the country, currency, amount and whether the funds must reach the recipient's bank account.
How to choose the right option
Compare the total, timing, required documents and confirmation method as well as the fee. ATM24 confirms the terms before payment, and your manager supports the request through completion.
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What a SWIFT transfer is and who needs it
A SWIFT transfer is used when funds must reach a bank account held by an individual, company, educational institution, clinic or supplier. It supports personal and business payments where the recipient accepts international bank transfers.
To send SWIFT from first check the country, currency, recipient bank and payment purpose. Your ATM24 manager selects a route and confirms the terms before payment.
Why international transfers have become more complex
SWIFT availability depends on the specific bank, currency and destination. A bank list alone does not guarantee that a payment will reach the required account.
ATM24 checks the route for each request. You do not need to open an account yourself at a bank sending SWIFT transfers: the method is agreed after checking the bank details.
Which details are needed for SWIFT
Provide the recipient's name, IBAN or account number, bank SWIFT/BIC, bank address and payment purpose. Company payments may also require an invoice or contract.
Send the details before payment. Your manager checks the format and clarifies the documents required for the chosen country and payment type.
Countries, currencies and timing
SWIFT transfers can be sent in euros, US dollars, dirhams and yuan. Currency availability depends on the recipient account and available bank route.
SWIFT transfers usually take from 40 minutes to 1–2 banking days. Timing depends on the currency, country, bank schedules and additional checks.
What makes up the rate and fee
The SWIFT fee depends on the amount, currency, destination and intermediary banks. Before payment, your manager confirms the request cost and expected credited amount.
After sending, you receive the available confirmation, such as an MT103. If the bank returns the payment, your manager helps check the reason and agree on next steps.
Customer reviews
Real stories from real people
Ольга Гаврилова
I was assisted by manager Sofa. Thanks to her for being in touch. Overall everything is great, I received the money in Nha Trang via ATM, but there was one nuance (I didn't remove a star because of it). After I transferred the money to the details there followed a long wait (a check) I probably stood by the ATM for about 40 minutes and worried that I had sent money to scammers. But they reassured me and said that such long checks happen very rarely. The main thing is the result, in the end I received the money. Overall a very convenient service when you have roubles on your card and need to get cash dong.
Read full reviewАнастасия
Fast, safe, clear. We exchanged money in Bali. Transferred from a Russian card — received cash in the local currency. Thanks to manager Stanislav!)
Read full reviewПётр Михайленко
Great company! Helped promptly, quickly and in a language I understand! Thanks to manager Egor) I will use it again.
Read full reviewЕвгений Кузяев
A very convenient service if you need local currency. They respond quickly, I transferred the money and received instructions on how to withdraw from an ATM. Thanks for the service
Read full reviewАрина Левина
Extremely friendly manager Alisa helped me exchange money in 10 minutes. You couldn't do better!
Read full reviewАлександра Макарова
Guys, you're awesome! Special thanks to manager Egor, I was left in Bali without cash, sent rubles, withdrew rupees from an ATM. Everything super clear! Huge thanks
Read full reviewRuslan
Thank you very much! The exchange was done precisely and promptly👌 operator Ekaterina was in touch throughout the whole process🤝
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Frequently asked questions
Answers to help you understand the terms before submitting a request.
How can I send a SWIFT transfer?
Send the country, amount, currency and recipient details. Your manager checks an available route, calculates the fee and confirms the terms before payment.
How can I transfer money via SWIFT?
You need the bank account details and payment purpose. After checking, you pay for the request and ATM24 sends the funds through the agreed route.
SWIFT transfers: banks and availability
Banks, currencies and destinations are checked separately for each SWIFT transfer. ATM24 selects a workable route for your request, so you do not need to find a sending bank yourself.
SWIFT transfer currencies and restrictions
Euros, US dollars, dirhams and yuan are commonly available. Currency support varies by destination; your manager checks the country and recipient account.
How long does a SWIFT transfer take?
Estimated timing is from 40 minutes to 1–2 banking days. Exact timing depends on the currency, country, recipient bank and bank checks.
SWIFT fees and transfer costs
The fee depends on the amount, currency, destination and possible intermediary banks. Your manager confirms the total payable and amount receivable in advance.
Which details are needed and what is a SWIFT account?
A SWIFT account generally means a bank account that can receive international transfers. You need the recipient name, IBAN or account number, bank SWIFT/BIC, bank address and payment purpose. Company payments may require an invoice or contract.
What are MT103 and T/T transfers?
MT103 is a bank message confirming that an international payment was sent. T/T means telegraphic transfer and is often used as a general term for bank transfers. Your manager provides the available confirmation after sending.