🌎 New in Holvi! You can now send and receive euros and 17 other currencies via SWIFT – to and from over 55 supported countries.

SWIFT payments are international bank transfers used when the recipient is outside the SEPA area or within the SEPA area when the currency is not euro. They are the most common method for sending money globally in a safe and reliable way.

Supported countries for SWIFT payments  

Americas
Argentina, Canada, Chile, Colombia, United States, Uruguay 

Asia-Pacific
Australia, China, Hong Kong, Japan, Malaysia, New Zealand, Singapore, South Korea, Taiwan

Europe
Albania, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Vatican City

Middle East & Africa
Bahrain, Israel, Tunisia, Saudi Arabia, United Arab Emirates

If your destination is not on the list above, the payment cannot be processed directly via Holvi and will be automatically returned to the sender.

Supported currencies for SWIFT payments

Holvi lets you send and receive SWIFT transfers in the following currencies:

• Euro (EUR)
• US Dollar (USD)
• British Pound (GBP)
• Swiss Franc (CHF)
• Norwegian Krone (NOK)
• Swedish Krona (SEK)
• Danish Krone (DKK)
• Canadian Dollar (CAD)
• Australian Dollar (AUD)
• Japanese Yen (JPY)
• Polish Zloty (PLN)
• Singapore Dollar (SGD)
• Hong Kong Dollar (HKD)
• New Zealand Dollar (NZD)
• Czech Koruna (CZK)
• Romanian Leu (RON)
• Israeli New Shekel (ILS)
• Hungarian Forint (HUF)

Fees and processing times

Costs

Service fee

• 0.5–1 € per transfer (depending on your Holvi plan).

Currency exchange fee

• To or from your standard EUR account: 
  0.5–1 % currency conversion fee (depending on your Holvi plan).
• To or from a multi-currency account: 
  No currency exchange fee when you receive or send money in the account's currency. 
  Learn more about payment accounts in multiple currencies here.

Processing time

• Typically 0–5 banking days.
• Most SWIFT transfers arrive on the same business day – many within the hour. Exact timing depends on factors like bank cut-off times, intermediary banks, and the destination country. Please allow up to 5 business days.

Keep in mind

• Payments made to unsupported countries or in unsupported currencies will be automatically returned to the sender.
• Always double-check that both the destination country and currency are supported before sending.
• SWIFT transfers require a BIC/SWIFT code, and often also the recipient bank’s address details.

Need help sending a payment?

• Step-by-step instructions: How to make a SWIFT payment in Holvi
• Want to compare SEPA and SWIFT payments? Check out this article