Poise Commerce Bank
When life or business spans borders, the wiring should be as clear as a domestic credit
Whether you are paying an overseas supplier, repatriating income, or supporting family abroad, you need a transparent chain: what we charge, when the money leaves your account, what rate applies, and what cut-off time applies in London for same-day or next-day value in the destination. Our international service is designed around that transparency, and around compliance: sanctions screening, beneficiary name checks, and, where the amount or corridor needs it, an extra look before value date.
Currencies, corridors, and value dates
GBP is the core currency of our retail relationship in the United Kingdom, but you can order payments in a wide set of other currencies and benefit from a spot or forward rate process where you qualify, depending on the product. Value dates and SWIFT/SEPA/RTGS routing depend on the target country’s clearing rules; we will give you a commitment on when the debit to your account occurs and, where possible, when the beneficiary can expect the credit, subject to intermediary banks in the path.
FX rate and cost
You may see a reference rate (e.g. mid-market) and a spread, or a single all-in client rate, depending on the product. We are moving toward clearer disclosure of that spread so you can compare providers meaningfully, within the market structure we are given. Third-party and correspondent-bank fees may be deducted in transit, especially for exotics; the beneficiary can receive a lower amount or you may be offered an option to pay those charges in advance, depending on the instruction type.
Compliance and you
We must comply with international sanctions, anti-money-laundering rules, and, in some cases, capital controls. That may mean a delay, a request for the source of a transfer, or a hard decline where the instruction cannot lawfully be made. It is not personal. We will, where the law allows, give you a reason in generic terms, and a route to re-submit if the matter can be fixed.
