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.
Choose who pays SWIFT fees
When confirming your recipient's details, you can choose how these fees are handled:
SWIFT – Fees are shared – Intermediary bank fees may be deducted along the way, so your supplier may receive slightly less than the full amount. There's no extra cost to you for this option.
SWIFT – You cover the fees – For a £/€/$20 fee (depending on the currency used), Apron covers all intermediary bank charges, so your supplier receives the full invoice amount.
Both options are available where SWIFT is supported, apart from USD payments to the US — there, Fees are shared applies automatically, in line with how US banks handle these payments.
To guarantee your recipient gets the full amount for a USD payment to the US, you can instead send it as ”ACH — Sent as a domestic transfer”, using their US account and routing number.
Skip SWIFT fees with a domestic transfer
SWIFT isn't the only way to pay. In many countries, we can pay your recipient inside their own banking system, the same way a business in that country would pay them. No intermediary banks are involved, so there are no intermediary fees, and the money usually arrives faster.
Where this is available for your recipient's currency and country, you'll see it alongside the SWIFT options, for example, “ACH — Sent as a domestic transfer” for USD payments to the US. Choose it when you can: your recipient gets the full amount, and you skip the £/€/$20 charge.
A domestic transfer needs different bank details from SWIFT. Apron shows which details are needed when you choose the option.
When you fund a payment
SWIFT fees can apply to money coming in, not just money going out. When you send us USD or EUR as an international transfer, it travels over SWIFT and passes through intermediary banks on the way to us. Those banks can deduct their own processing fees, which is why the amount reaching us is sometimes lower than the amount you sent.
You can avoid this by sending EUR via SEPA transfer and USD via ACH. Neither goes through SWIFT, so we receive the full amount you send.
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
The route depends on your recipient's currency and country:
Domestic transfers – Where we support them, we pay your recipient inside their own banking system. No intermediary banks are involved, so no intermediary fees, and the money usually arrives faster. ACH for USD payments to the US is one example.
SEPA – For EUR payments in Europe. Faster and cheaper than SWIFT, with no intermediary bank fees.
SWIFT – For everywhere else, with your choice of who pays the intermediary bank fees.
We track every payment end-to-end, and we handle sanctions screening, compliance monitoring, encryption, and 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
Certain regions of Ukraine (Crimea, Kherson, Luhansk, Donetsk, and Zaporizhzhya)
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.