When you make an international transfer via the app, we’ll give you an estimated delivery date. This is based on the country and currency you wish to send to and the delivery method you choose.

Priority delivery via SWIFT is the quickest option, and it will take anywhere between one and three days depending on the country and currency you’ve chosen to send to. Alternatively, you can transfer via a local partner network, which may take a little longer.

We only process EUR (SEPA) payments on UK working days. If you schedule a payment for a weekend or Bank Holiday, then it will be processed the following working day. Payments generally take 1-3 working days to arrive.

If you have a business USD Account, incoming payments received by 2.30pm GMT will be processed the same day. Outgoing payment instructions will need to be received by 5pm GMT for same day processing. When there is a US bank holiday, payments can be made but will not be processed by the recipient bank until after the bank holiday.

Please note that we often rely on a number of third parties to make sure that your payment instruction is processed and that the funds reach your payee, including the bank in the country where their account is located. Starling doesn’t have control over these third parties, and we’re dependent on them to complete certain stages of your international payment. If your payment is delayed or doesn’t arrive, we’ll always try to help out by establishing what happened to the funds, but we won’t always be able to resolve the situation without cooperation from these third parties.