Making international payments

Banks throughout Europe all use a standard format for International Bank Account Numbers (IBANS) and Bank Identifier Codes (BICs). So when you’re making or receiving payments across Europe, it makes the process quicker, safer and more efficient.

1. Payments to and from Europe

You’ll need to use both International Bank Account Numbers (IBANS) and Bank Identifier Codes (BICs) to make payments to and from Europe.

To receive a payment from elsewhere in Europe, you’ll need to give the payer your own BIC and IBAN. To send a payment, you’ll need to know theirs.

You can find your BIC and IBAN on your bank account statement. They both consist of numbers and letters.


A BIC is a way of identifying a bank branch.

  • Bank code (4 characters): BOFS
  • Country code (2 characters): GB
  • Location code (2 characters): XX
  • Branch code (3 characters): XXX


An IBAN is specific to a country, so character length can vary. For example, French IBANs always have 20 characters.

  • Austria: AT123456789101112131
  • France: FR123456789101112131
  • Germany: DE123456789101112131
  • Ireland: IE291234567891011121

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2. Payments outside of Europe

You may need to use an IBAN when making or receiving payments outside of Europe, but you won’t usually need a BIC.

Payment Purpose Codes are used by some banks in foreign countries to identify why payments are being made. They’re becoming more common, but are particularly required for payments to and from countries such as China and Jordan.

Read our guidance to find out more about making and receiving payments in Chinese Renminbi.

Keep your accounts protected

Only share your BIC and IBAN with someone who’s making a payment to you. Never give out any other confidential details, such as your PIN or memorable information.

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Important legal information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Telephone: 0207 626 1500.

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Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on Lloyds Banking Group can be found at