International Transfers
The International Payments feature at Rauva allows users to send over 14 different currencies around the world, using either local rails or the SWIFT network. The Euros in the users’ accounts will be converted to the selected currency, and that currency will be sent to the recipient.
In this article, we'll explain everything you need to know about international payments and how they work. Looking for the fee breakdown?
ℹ️ Where can I send money to?
See here the list of Outgoing blocked countries
ℹ️ Where can I receive money from?
See here the list of Incoming allowed countries
ℹ️ What are the Transactions limits?
See here the transactions limits
How do I send International Transfers?
| APP
- Go to the Menu and click in International Transfers;
- Select the currency you’d like to send and the amount;
- Enter the required details of the recipient;
- The Euros in your account will be converted into the selected currency and transferred to the recipient. The recipient will then receive the funds in the designated currency.
| Desktop
- Go to Transfers and click in International Transfer.
- Select the currency you’d like to send and the amount;
- Enter the required details of the recipient;
- The Euros in your account will be converted into the selected currency and transferred to the recipient. The recipient will then receive the funds in the designated currency.
Can I receive money from outside the eurozone?
Yes, you can receive credit transfers initiated outside of the eurozone in euros. The funds will be converted to euros and deposited in your account.
Bank details for receiving international transfers
Swan address
- Name: Swan SAS
- Address: 95 Avenue du Président Wilson
- Postal code: 93100
- City: Montreuil
- Country: France
- Swan BIC and SWIFT code:
SWNBFR22
Intermediary information
- Name: Wise Europe SA
- Country: Belgium
- Wise BIC and SWIFT code:
TRWIBEB3
What currencies and payment rails are supported for sending international payments?
Rauva supports over 14 currencies (check list below) each with specified payment rails like SWIFT and local bank transfers. Each currency is associated with a fee group based on transfer costs.
What currencies and payment rails are supported for receiving payments?
You will be able to receive any currency on the SWIFT network, which consists of all significant currencies.
What is the rate applied when sending international payments?
Rauva has partnered with Wise to offer international payments, meaning that customers will receive the mid-market rate, which is the ‘real’ rate, with no mark ups included in it.
How does currency exchange work?
Currency exchange is necessary for international transfers. Rauva uses a mid-market rate for outgoing transfers, with rates locked for one business day post-initiation. Incoming transfers are converted to euros, with applicable fees based on the currency received.
Are there any blocked countries or currencies?
Specific countries may require a stricter review process due to regulations or risks.
What are the fees for international transfers?
Fees vary by currency and are grouped from 1 to 4, reflecting the cost of executing a transfer with that currency. Outgoing transfers may incur additional fees for certain currencies via SWIFT.
How do fees work for these transfers?
There are two fees, a fixed fee per transaction of 5€, and a variable fee based on the Fee group the currency is in, which is a percentage of the total amount of the Euro value.
Fees for international transfers are charged separately, creating two transactions in your history: one for the transfer and one for the fees. The fees will be titled "International payment fees".
- The % fee only applies for incoming transfers that have not already been converted to EUR by the sending bank.
When sending an International Credit Transfer, an additional SWIFT fee of 5€/transaction applies in the following cases:
USD sent to another country than the USA.
GBP sent to another country than the UK.
EUR sent to another country than the SEPA zone.
Fee breakdown
| Currency Tier | Sending International Payments | Receiving International Payments |
|---|---|---|
| Tier 1 | 5€ (+ 0.6%) | 5€ + 0.6% |
| Tier 2 | 5€ (+ 1%) | 5€ + 1% |
| Tier 3 | 5€ (+ 2%) | 5€ + 2% |
| Tier 4 | 5€ (+ 5%) | 5€ + 5% |
| Currency code | Available rails | Fee group |
|---|---|---|
| 🇦🇺 AUD Australian Dollar | australian, australian_bpay | 1 |
| 🇨🇦 CAD Canadian Dollar | iban | 1 |
| 🇨🇭 CHF Swiss Franc | iban | 1 |
| 🇨🇱 CLP Chilean Peso | chile | 4 |
| 🇪🇺 EUR Euro | swift_code | 1 |
| 🇬🇧 GBP Great British Pound Sterling | iban, sort_code, swift_code | 1 |
| 🇭🇰 HKD Hong Kong Dollar | hongkong, hong_kong_fps | 2 |
| 🇮🇩 IDR Indonesian Rupiah | indonesian | 2 |
| 🇮🇱 ILS Israeli New Shekel | israeli_local | 4 |
| 🇮🇳 INR Indian Rupee | indian, indian_upi | 2 |
| 🇯🇵 JPY Japanese Yen | japanese | 2 |
| 🇰🇷 KRW South Korean Won | south_korean_paygate, south_korean_paygate_business | 3 |
| 🇲🇽 MXN Mexican Peso | mexican | 2 |
| 🇳🇿 NZD New Zealand Dollar | newzealand | 1 |
| 🇸🇬 SGD Singapore Dollar | singapore, singapore_paynow | 2 |
| 🇹🇭 THB Thai Baht | thailand | 2 |
| 🇺🇸 USD United States Dollar | fedwire_local, aba, swift_code | 1 |
| 🇺🇾 UYU Uruguayan Peso | uruguay | 4 |
| 🇻🇳 VND Vietnamese Dong | vietname_earthport | 2 |
✅ swift_code + 🇺🇸 United States Dollars USD
It’s possible to send International Credit Transfers in United States Dollars USD using the swift_code rail to the listed countries below. Attempts to send United States Dollars USD using swift_code to countries not listed will be rejected.
United States Dollars USD are in fee group 1.
Countries you can send to.
| First letter | Allowed countries for outgoing Swift + USD transfers |
|---|---|
| A - B | Albania, Algeria, Andorra, Angola, Anguilla, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Barbados, Belgium, Bhutan, Bolivia, Botswana, Bosnia & Herzegovina, Brunei Darussalam, Bulgaria, Burkina Faso |
| C - E | Canada, Cambodia, Cayman Islands, Channel Islands, Chile, China, Christmas Island, Cocos (Keeling) Islands, Cook Islands, Costa Rica, Côte d'Ivoire, Croatia, Cyprus, Czech Republic, Denmark, Dominica, Dominican Republic, Ecuador, El Salvador, Estonia, Ethiopia |
| F - G | Falkland Islands (Malvinas), Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guatemala, Guernsey, Guinea, Guyana |
| H - L | Haiti, Holy See (Vatican City State), Honduras, Hong Kong (locally with the CHATS system), Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Japan, Jersey, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Liberia, Liechtenstein, Lithuania, Luxembourg |
| M - O | Macao SAR China, Macedonia (Republic of North), Malawi, Malaysia, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia (Federated States of), Monaco, Mongolia, Montenegro, Montserrat, Morocco, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Niger, Niue, Norfolk Island, Northern Mariana Islands, Norway |
| P - S | Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Reunion, Romania, Rwanda, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and Grenadines, Samoa, San Marino, Sao Tome and Principe, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, Spain, Sri Lanka, Suriname, Sweden, Switzerland |
| T - Z | Taiwan (Republic of China), Tajikistan, Tanzania, Thailand, Timor-Leste, Tonga, Trinidad and Tobago, Tunisia, Turks and Caicos Islands, Tuvalu, Uganda, Ukraine (both PrivatBank and non-PrivatBank recipients), United Arab Emirates, United Kingdom, Uruguay, Uzbekistan, Vanuatu, Vietnam, Wallis and Futuna Islands, Zambia |
✅ swift_code + 🇪🇺 Euros EUR
It is possible to send International Credit Transfers in Euros EUR using the swift_code rail to the listed countries below. Attempts to send Euros EUR using swift_code to countries not listed will be rejected.
Euros EUR are in fee group 1.
Countries you can send to.
| First letter | Allowed countries for outgoing Swift + EUR transfers |
|---|---|
| A - B | Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Benin, Bermuda, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, British Virgin Islands, Brunei Darussalam, Burkina Faso |
| C - E | Cambodia, Cape Verde, Cayman Islands, Channel Islands, Chile, China, Christmas Island, Cocos (Keeling) Islands, Cook Islands, Costa Rica, Côte d’Ivoire, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Ethiopia |
| F - G | Falkland Islands (Malvinas), Faroe Islands, Fiji, French Polynesia, Gabon, Gambia, Georgia, Ghana, Greenland, Grenada, Guatemala, Guinea-Bissau, Guyana |
| H - L | Haiti, Holy See (Vatican City State), Honduras, Hong Kong, SAR China (locally with the CHATS system), India, Indonesia, Israel, Jamaica, Japan, Kazakhstan, Kenya, Kiribati, South Korea, Kosovo, Kuwait, Kyrgyzstan, Lao PDR, Lesotho, Liberia |
| M - O | Macao, SAR China, Macedonia (Republic of North), Malawi, Malaysia, Maldives, Marshall Islands, Mauritania, Mauritius, Mexico, Micronesia (Federated States of), Moldova, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Namibia, Nauru, Nepal, New Caledonia, New Zealand, Niger, Niue, Norfolk Island, Oman |
| P - S | Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Qatar, Rwanda, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and Grenadines, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Solomon Islands, South Africa, Sri Lanka, Suriname |
| T - Z | Taiwan (Republic of China), Tajikistan, Tanzania (United Republic of), Thailand, Timor-Leste, Tonga, Trinidad and Tobago, Tunisia, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States of America, Uruguay, Uzbekistan, Vanuatu, Vietnam, Wallis and Futuna Islands, Zambia |
✅ swift_code + 🇬🇧 Great British Pounds GBP
It is possible to send International Credit Transfers in Great British Pounds GBP using the swift_code rail to the listed countries below. Attempts to send Great British Pounds GBP using swift_code to countries not listed will be rejected.
Great British Pounds GBP are in fee group 1.
| First letter | Allowed countries for outgoing Swift + GBP transfers |
|---|---|
| A - L | Albania, Aruba, Azerbaijan, Bahrain, Bangladesh, Bermuda, Bosnia and Herzegovina, British Virgin Islands, Cape Verde, Costa Rica, Dominican Republic, Egypt, Faroe Islands, Georgia, Greenland, Guatemala, Kazakhstan, Kosovo, Kuwait, Israel, Lesotho |
| M - Z | Maldives, Moldova, Montenegro, Mozambique, Mauritania, Mauritius, North Macedonia, Oman, Qatar, Saint Lucia, Serbia, Saudi Arabia, Seychelles, Sao Tome and Principe, Tunisia, Timor-Leste, Ukraine, United Arab Emirates (UAE) |
ℹ️ Where can I send money to?
See here the list of Outgoing blocked countries
ℹ️ Where can I receive money from?
See here the list of Incoming allowed countries
ℹ️ What are the Transactions limits?
See here the transactions limits