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International payments

Pay anyone, anywhere.
In seconds, not days.

International payments through SummitFX route funds via local banking partners rather than costly correspondent chains — meaning faster arrivals, lower receiving-end fees, and real-time tracking. Add beneficiaries in WhatsApp, pay in a tap.

Get started on WhatsApp See how it works
Same day
Most corridors
140+
Currencies
200+
Countries covered
Zero
SWIFT fees
What makes it different

Built for real-world business

Paying suppliers, employees, and partners shouldn't cost three fees and take three days. It doesn't have to.

Local rails, not SWIFT

We use in-country banking partners wherever possible — so payments land directly in local accounts without correspondent banks skimming fees en route.

Beneficiaries via WhatsApp

Add new beneficiaries via a simple WhatsApp Flow — IBAN, SWIFT, or local account details. Saved for next time and retrievable in a tap.

Real-time status

You get a WhatsApp notification when funds are sent, when they land with our banking partner, and when they arrive in the beneficiary's account.

FCA-authorised

Every payment is safeguarded and processed through FCA-authorised partners. Funds are segregated from SummitFX's own accounts at all times.

How it works

From quote to paid in four steps

The payment process is tied to a quote — so you always know what's being sent and what it'll cost before anything moves.

1
Get a quote
Message us with the amount, currency, and beneficiary. Within seconds you'll have a live rate and all-in cost.
2
Confirm the payment
Reply CONFIRM to book. We send payment instructions for your sterling (or source currency) funds.
3
Send us the funds
You fund by bank transfer. Faster Payments in the UK usually clears within 2–4 hours.
4
Funds arrive
As soon as your funds clear, we execute the FX and send payment to your beneficiary via the fastest local rail available.
Who sends with SummitFX

Real scenarios

B2B
Paying overseas suppliers

Your logistics provider in China bills you in USD monthly. Send in seconds via WhatsApp, funds arrive same day, all costs known upfront.

B2B
Payroll for remote staff

Five contractors in three countries, paid monthly. Save them as beneficiaries once, pay them in a batch via WhatsApp forever.

Personal
Property purchase

Completion day for a villa in Portugal. Tight deadline. We route via local EUR rails so funds land in the seller's account within hours, not days.

Personal
Family support

Monthly transfers to support family overseas. No per-transfer fees, competitive rate every time, five-second WhatsApp booking.

Common questions

What most people ask

How long do payments actually take?
Most major corridors (GBP, EUR, USD, CAD, AUD, etc.) settle same day. Emerging markets take longer — we'll tell you the expected arrival time before you book, and track it to the minute.
What fees does the receiving bank charge?
Because we route through local rails wherever possible, most payments arrive with no receiving-bank fee. For corridors where SWIFT is unavoidable, we'll flag any expected deductions before you book.
What information do I need to add a beneficiary?
Usually just IBAN and beneficiary name (for SEPA regions), or SWIFT/BIC and account number for others. Our WhatsApp Flow walks you through exactly what's needed for that corridor.
Is there a maximum payment size?
Not for regular clients — we routinely handle payments from £500 to £5m+. Very large payments may require additional documentation for regulatory purposes, which we'll explain upfront.
How is my money safeguarded?
Client funds are held in fully segregated accounts with our FCA-authorised banking partners. At no point are your funds mixed with SummitFX's own operational funds.

Ready to send a payment?

Message us the amount and destination — we'll quote the rate and arrival time before you commit.

Get a quote