PAYMENTS & TRANSFERS

Domestic, SEPA and SWIFT – in one place.

Future Funds – B.B. Bank plc. provides a single environment for everyday domestic payments, SEPA euro transfers and international SWIFT transfers, with clear fees and processing times.

Domestic & SEPA payments International SWIFT transfers Online payments & standing orders Saved beneficiaries & templates

Payments & transfers at a glance

Use your FF account for domestic payments, SEPA euro transfers and cross-border SWIFT transfers, plus online payments with your cards.

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Domestic payments

Standard domestic transfers in your local currency, with clear cut-off times and same-day or next-day processing, depending on the scheme.

SEPA transfers

Euro payments across the SEPA area, with harmonised rules, standardised formats (IBAN/BIC) and predictable execution times.

SWIFT & FX

Cross-border payments in major currencies via SWIFT, with transparent FX spreads and information on correspondent bank fees.

Online payments

Combine account-based transfers with card payments and 3-D Secure for online purchases, subscriptions and digital services.

ACCOUNT ELIGIBILITY

To bank with Future Funds – B.B. Bank plc.

Our current accounts are designed for clients who meet clear and transparent onboarding criteria. Before you open an FF account, please make sure that the following applies to you:

Be 18 years of age or older.
Be a resident of the United Kingdom only.
Have a smartphone and a UK mobile number.
Be a tax resident of the United Kingdom.
Meet our credit history criteria – we’ll perform a soft credit search to confirm this.

You can also review our current account service information and key documents before applying, so you know exactly how we work.

Open account

Domestic & SEPA payments

Use your FF account for local payments and cross-border euro transfers within the SEPA area, with predictable fees and timings.

Domestic transfers in local currency using standard account numbers and reference fields.
SEPA Credit Transfers in EUR to banks and institutions in the SEPA zone.
Clear indication of expected execution date before submitting the payment.
Option to save frequently used accounts as beneficiaries for faster input.

SWIFT payments & foreign currencies

For payments outside the SEPA area or in non-EUR currencies, we use SWIFT and apply transparent FX conversion.

Payments in major currencies (e.g. USD, GBP, CHF) to banks worldwide.
Information on OUR/SHA/BEN fee models where applicable.
FX rate preview and estimated amount the beneficiary will receive.
Additional compliance checks for higher-risk destinations and sectors.

Standing orders & saved beneficiaries

Automate recurring payments and keep your most important counterparties just one click away.

Standing orders · Beneficiaries · Templates

Standing orders

Use standing orders for rent, subscriptions or regular transfers to your own accounts. Set start date, frequency and end date or number of instalments.

Saved beneficiaries

Store verified beneficiary details with IBAN, BIC and reference hints. This reduces manual typing errors and speeds up daily payments.

Payment templates

Create templates for recurring business partners or family members, including fixed references and fee options for faster input.

Cut-off times & fees – transparent by design

Before you confirm a payment, we show the expected execution date and applicable fees, so you can decide whether to proceed or adjust.

Domestic payments: typically same-day if submitted before cut-off.
SEPA payments: standard next business day, often earlier.
SWIFT: execution time depends on currency and destination country.
Online card payments: authorisation in real time.
Standing orders: executed automatically on the chosen schedule.
Full fee breakdown visible before final confirmation.

See detailed fees & limits

Ready to move your payments to FF bank?

Manage domestic, SEPA and international transfers in one secure,
transparent banking platform — with clear fees, multiple currencies and real-time processing updates.

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Payments & transfers – FAQ

Key information on how domestic payments, SEPA transfers, SWIFT wires and standing orders are handled in your Future Funds online depot.

Which types of payments can I make?

You can initiate domestic payments, SEPA credit transfers within the euro area and international SWIFT wires to most major banking jurisdictions. Internal transfers between your Future Funds accounts are also supported.

When are payments processed and executed?

Payments entered before the relevant cut-off time are generally processed on the same business day, subject to internal review and compliance checks. Transfers entered after cut-off or on non-business days are processed on the next banking day.

Why do some payments show as “pending”?

For risk and compliance reasons, outgoing transfers may be held in a pending state until our team has completed internal checks. Once approved, the payment is released to the clearing or SWIFT network and you see the final status.

Can I set up standing orders or templates?

Yes. You can create standing orders for recurring payments (such as rent or regular transfers) and save templates for frequently used beneficiaries, which reduces the risk of manual entry errors.

How are international fees and FX rates applied?

For cross-border payments, we apply the fee structure and FX spreads listed in your tariff and International & Online Payments overview. Estimated total costs are shown before you confirm the transaction where possible.

Can I store beneficiaries and does this affect checks?

You can store trusted beneficiaries for faster entry. However, even saved beneficiaries remain subject to standard AML, sanctions and risk screening on a per-transaction basis, in line with regulatory requirements.

International & FX details → Contact payments support