Business foreign exchange
A live rate, a visible margin, and hedging when you need it
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Ways to bank
International payments
Track it end to end, and see what each bank took
Overview
Send and receive money internationally in 38 currencies through SWIFT, with gpi tracking that shows where the payment is, what has been deducted and when it will arrive.
Correspondent banks in the chain deduct their own charges. We show you the likely deductions before you send, and the actual ones afterwards.
Why HBI
Every channel does the same job
Whichever way you reach us, you see the same balance and can do the same things. The app, online banking, the ATM network and the branch are four doors into one account.
We build for ordinary conditions: older phones, slow connections and people in a hurry. If something is quicker in the app than at a counter, we will tell you.
What you get
Everything that is included
The full list, not the highlights. If something is not here, it is not included.
Features
- Outgoing and incoming wires in 38 currencies
- SWIFT gpi tracking with a unique reference per payment
- OUR, SHA and BEN charge options explained when you enter the payment
- Sanctions screening completed before the payment is released
- Recurring international payments for tuition, rent and family support
- Same-day value for major currencies submitted before 2 p.m. Eastern
What you need to qualify
- An HBI account with online banking
- The purpose of the payment, for larger or unusual transfers
- The beneficiary’s full name, address, account number or IBAN and SWIFT code
- Source of funds verification for large transfers
Not sure you qualify?Speak to a banker before applying. A conversation costs nothing and does not touch your credit report.
Pricing
Pricing
Published here, and the same figure you will see in your quotation.
| Service | Fee | Value date |
|---|---|---|
| Outgoing wire, online | $35 | Same day before 2 p.m. ET |
| Outgoing wire, branch | $50 | Same day before noon ET |
| Charges paid in full (OUR) | + $25 | Recipient gets the full amount |
| Incoming wire | $15 | On receipt |
| Payment investigation | $30 | Within five business days |
Fees and rates are reviewed annually and published at least 30 days before any change takes effect. Terms and conditions apply.
Good to know
How we look after you
Three commitments that apply to every ways to bank product, this one included.
We never ask for your PIN
No one from HBI will ask for your password or one-time passcode by phone, email or message. Anyone who does is not us.
Changes apply immediately
Card freezes, limits and payee changes take effect the moment you confirm them, on every channel at once.
Help at any hour
The fraud and lost-card lines are answered at any hour, every day. Everything else has a published opening time and a call-back option.
Questions
Questions clients actually ask
If yours is not here, a banker will answer it directly.
Correspondent banks deduct their own charges unless you select OUR, which makes you liable for all charges so the recipient receives the full amount.
Major currencies usually arrive within one business day. Less common corridors can take three to five, and gpi tracking shows where it is.
An international account number used across Europe and much of the Middle East. Where the destination country uses IBANs, the payment will fail without one.
To most countries. Every payment is screened against US sanctions lists, and payments to some countries, entities and individuals are prohibited. We flag this when you enter the payment, before any fee is charged.
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Ready to take this further?
Apply online in about ten minutes, or ask a banker to call you at a time that suits.