Need to pay suppliers overseas? Apron makes international payments simple, letting you send money to 35+ countries in their local currencies.
Supported currencies
We support 35+ currencies, including:
Major currencies – USD, EUR, AUD, CAD, CHF, JPY
European – DKK, NOK, SEK, PLN, CZK, HUF, RON
Asian – HKD, SGD, CNY, INR, THB, MYR, PHP, IDR
Middle Eastern – AED, SAR, QAR, KWD, OMR, BHD, ILS
African – ZAR, KES, UGX
Others – NZD, MXN, TRY
Using currency accounts
GBP account – Can pay any currency (conversion fees apply)
USD account – USD payments with no conversion fees (only available on the Pro subscription plan)
EUR account – EUR payments with no conversion fees (only available on the Pro subscription plan)
Delivery speed
Same day – Most European currencies, USD, CAD, and several others
Next day – AUD, JPY, HKD, and many Asian/Middle Eastern currencies
Cut-off times (UK time)
For same-day delivery, we need your payment before these times:
USD – 3:30 PM
EUR – 1:50 PM
AUD – 1:00 PM
Pricing
Payment fees – Europe (EEA): free (if within your subscription plan's limits), rest of world: £/€/$3 per payment (depending on the currency used)
Currency conversion – 0.5% FX fee when conversion is needed, real-time exchange rates used
Money-saving tip – Group multiple bills for the same supplier to pay only one international fee
Intermediary bank fees
When payments are routed through the SWIFT network, intermediary banks along the route may deduct their own processing fees. These charges come from the banks handling the transfer, not from Apron, and can apply in two ways:
When you fund a payment – If you send us funds in USD or EUR via bank transfer, your bank may route the transfer through SWIFT. Intermediary banks can deduct fees before the funds reach us, meaning we receive less than you sent.
When we pay your recipient – For international payouts sent via SWIFT, intermediary banks can deduct fees before the money reaches your recipient, meaning they receive slightly less than the invoice amount.
In both cases, the exact fees can't be calculated in advance because they depend on the currency, destination country, and which banks are involved.
How to reduce the risk of SWIFT fees: Where possible, use local payment rails instead of SWIFT. For funding, send EUR via SEPA transfer or USD via ACH rather than an international bank transfer. For payouts, providing your recipient's local bank details (such as a local account number rather than just an IBAN) can help route the payment through local rails instead of SWIFT.
When SWIFT is required, make sure all recipient bank details are accurate and complete - including their SWIFT/BIC code and full address - to avoid bounced payments and additional charges.
Understanding exchange rates and payment timing
When you create an international payrun, the GBP amount updates based on live exchange rates at key moments:
When you first create the payrun
Each time someone opens the payrun during the approval workflow
When the payer views the payrun before funding
Important: The GBP amount can change between creation and payment if exchange rates fluctuate. However, we always send the full invoice amount in the recipient's currency - the GBP cost adjusts to ensure your suppliers receive exactly what they're owed.
Example: You create a payrun to pay €500, showing ‘Send £420.00’. If approved three days later, when rates have moved, it might show ‘Send £421.05’. The supplier still receives the full €500 - only your GBP cost changes.
Why amounts show as ‘approximate’
International payruns display an ‘approximate’ banner because exchange rates change constantly throughout the day. The final GBP amount is confirmed when you fund the payment using current market rates.
Required information
Full name and address of the recipient, IBAN or local account number, BIC/SWIFT code for their bank, and name and address.
How we send payments
We use SWIFT transfers for most international payments, SEPA transfers for EUR payments in Europe (faster and cheaper), and all payments are tracked and secure.
We automatically handle sanctions screening, compliance monitoring, secure encryption, and full audit trails, so you don't need to worry about regulatory requirements.
Prohibited countries
You can send money to suppliers in most countries worldwide. We support payments to everywhere except prohibited countries, including:
Afghanistan
Belarus
Bosnia and Herzegovina
Burundi
Central African Republic
Cuba
Democratic People's Republic of Korea (DPRK)
Democratic Republic of the Congo (DRC)
Gaza Strip (Palestine)
Guinea
Guinea-Bissau, Republic of
Haiti
Iran
Iraq
Kazakhstan
Lebanon
Libya
Mali
Myanmar
Nicaragua
Russia
Somalia
South Sudan
Sudan
Syria
Ukraine
Venezuela
Yemen
Zimbabwe
Note: this list can change due to updated sanctions regulations and other factors outside our control. Some countries not on this list may also carry a restricted status — if that's the case, you'll still be able to process your payment as normal, but we may reach out to request some additional information.