Future Funds – B.B. Bank plc.
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INTERNATIONAL & ONLINE PAYMENTS

Cross-border payments and foreign currencies – with clear FX and timing.

Future Funds – B.B. Bank plc. helps you move money across borders with transparent foreign exchange, clear fee structures and realistic processing times – whether you are sending EUR within SEPA or making SWIFT payments worldwide.

SEPA & SWIFT networks Multi-currency accounts Online & recurring payments
International payments
Your hub for cross-border payments
International transfers, FX conversion and online payments under one banking relationship.
Transparent FX & fees
We show indicative FX rates and fee ranges before you confirm, so you see what the beneficiary is expected to receive and what the transfer will cost.
Predictable processing times
Typical delivery times are shown already in the payment screen, based on currency, destination, cut-off times and intermediaries.
Compliance and risk control
Payments are screened against sanctions lists and risk indicators, with additional checks for higher-risk countries, sectors and counterparties.
Global payments

Global payments built for the future

Future Funds – B.B. Bank plc. provides a next-generation payments infrastructure designed for clients who operate across borders. Transfer funds faster, with lower fees, predictable execution times, and continuous access to global markets.

  • Real-time settlement and 24/7 payment execution where supported.
  • Direct access to hard-to-reach markets and multi-currency corridors.
  • Transparent FX conversion and instant preview of beneficiary amounts.
  • Built-in compliance checks and automated risk monitoring.
  • Priority support from our international payments team.
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Foreign currency accounts

Hold and use multiple currencies directly on your FF accounts. This allows you to receive and send funds without converting every transaction.

  • Multi-currency support (e.g. EUR, GBP, USD) depending on your profile.
  • Incoming SWIFT and SEPA payments credited to matching currency accounts.
  • Internal transfers between your own FF accounts at zero internal FF fees.
  • Option to separate operational, savings and investment accounts.
FX conversion & rate information

When a transfer or card payment requires currency conversion, we display a clear FX spread and estimated converted amount before you confirm.

  • Indicative FX rate shown in real time for supported currency pairs.
  • Visible FX spread and fees instead of opaque “bundled” charges.
  • Summary of the amount debited from your account and expected beneficiary amount.
  • FX history available in your online banking for later reference.
Processing times & cut-off times
Different corridors have different speeds – we show you what to expect.
SEPA PAYMENTS
Within the SEPA area
Standard SEPA Credit Transfers in EUR are usually credited within the same business day or next business day, depending on cut-off times and the receiving bank’s processing.
SWIFT – MAJOR CURRENCIES
USD, GBP, CHF and others
Payments in major currencies via SWIFT often arrive within 1–3 business days. Additional time may be needed if intermediaries or compliance checks are involved.
HIGHER-RISK / EXOTIC
Additional checks
Transfers to higher-risk jurisdictions or in less common currencies may require extended checks. In such cases, we will inform you about delays where possible.
Online payments & recurring instructions
Easily pay online, automate regular transfers and manage saved beneficiaries.
Online & card-not-present payments
Use your FF cards and accounts for online purchases and subscriptions. Where supported, 3-D Secure is used to confirm that it is really you making the payment.
Standing orders
Set up fixed-amount standing orders for rent, savings or regular transfers. You control start date, frequency and end date directly from your online banking.
Saved beneficiaries
Store frequently used accounts – both domestic and international – as verified beneficiaries, reducing the chance of input errors and saving time.
Fees & charging structure at a glance
Exact fees depend on currency, destination and product package – the examples below are indicative.
Transparent pricing · no hidden FX mark-ups
SEPA Credit Transfers (EUR within SEPA)
Typically low flat fee or included in account package
SWIFT payments in major currencies
Tiered fee based on amount and destination corridor
FX conversion spread
Visible FX spread on top of reference market rate
Incoming international transfers
May be free or charged at a reduced incoming fee
OUR / SHA / BEN charging options
Clear indication who pays which part of the fees
Online & standing order payments
Often priced like domestic transfers, depending on package
For a personalised overview of fees and supported currencies, please contact us or start your onboarding.
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International & FX – FAQ

How cross-border payments, currencies and FX are handled when you use Future Funds – B.B. Bank plc for international transfers and online payments.

Which currencies and regions are supported?
We support EUR and other major currencies (such as USD and GBP) for international transfers to a wide range of jurisdictions. The exact list of supported currencies and countries is defined in your tariff and may change as our network expands.
What is the difference between SEPA and SWIFT transfers?
SEPA transfers are euro payments within the SEPA area, usually processed faster and at lower cost. SWIFT transfers are used for cross-border payments outside SEPA or in non-euro currencies and may involve intermediary banks and additional fees.
How are exchange rates and FX spreads determined?
FX rates are based on market data plus a transparent spread defined in your tariff. Where possible, we show an indicative rate and estimated total costs before you confirm an international transfer or currency conversion.
When will my international transfer arrive?
The value date and arrival time depend on the currency, destination country, cut-off time and correspondent banks involved. In general, SEPA transfers arrive within one business day, while SWIFT wires can take 1–3 business days under normal conditions.
How are incoming international transfers handled?
Incoming SEPA and SWIFT transfers are credited to your account after standard checks have been completed. Where applicable, FX conversion is carried out using the rate valid at the time of processing and shown in your transaction details.
Why are some international payments delayed or queried?
Cross-border transfers are subject to AML, sanctions and regulatory screening. In certain cases we may request additional information or documentation before executing a payment. This is required to comply with legal and supervisory obligations and helps protect both you and the bank.
View Payments & Transfers overview → Contact International Desk