The amount you pay when you send a foreign exchange payment will vary depending on the amount you want to send and the delivery method you choose.

When you make an international money transfer through our app, you choose the amount you want to send, or that you want the recipient to receive. A payment fee is applied based on the delivery method you choose and taken from the GBP amount you want to send from your Starling account. We’re always upfront about rates and we’ll never add hidden charges or markups to any of our fees.

We’ll then apply a 0.4% fee on the currency conversion. You’ll always know exactly how much a foreign exchange payment will cost you before choosing to go ahead.

If you need a payment to get there quickly, you can pay a flat rate of £5.50 to make a straightforward bank-to-bank payment via SWIFT, which is taken from the full amount you’re sending. Alternatively, can send your payment via a local network of partner banks, which can take a little longer for some currencies, but prices start at just 30p per transfer.

But while we won’t charge you any extra fees, you might be charged some by the bank you’re sending money to or one that’s helping to process the transfer. Unfortunately that’s out of our control, but if your payee receives slightly less than you see on your app’s International Payments page, that’s why.