From 2520ac37b9e7ff62d9bb7a2c68619d25297d082d Mon Sep 17 00:00:00 2001 From: ntombing Date: Wed, 11 Mar 2026 11:33:24 +0100 Subject: [PATCH 1/4] Note about local transfer fees --- docs/topics/payments/credit-transfers/international/index.mdx | 4 ++++ 1 file changed, 4 insertions(+) diff --git a/docs/topics/payments/credit-transfers/international/index.mdx b/docs/topics/payments/credit-transfers/international/index.mdx index 1f68d322782..ce053f40b3e 100644 --- a/docs/topics/payments/credit-transfers/international/index.mdx +++ b/docs/topics/payments/credit-transfers/international/index.mdx @@ -169,6 +169,10 @@ The fees listed on this page are always paid by the **Swan user**. ∗ For outgoing transfers, an **additional** 5€ fee is charged when sending **USD**, **GBP**, and **EUR** through SWIFT. For these currencies, the total fee is 10€ + the percentage % indicated in the table.
∗∗ For incoming transfers, the additional fee percentage (in parentheses) only applies to transfers not already converted into euros. +:::note Local transfer fees +Users may see a €5 fee when receiving euros from another account in the same country. This happens when the sending bank uses the SWIFT network instead of SEPA. +::: + **Fees are charged in their own transaction**. Therefore, each International Credit Transfer **creates two transactions** on your transaction history: one for the transfer and one for fees. Fees and transfer transactions are created, booked, and rejected simultaneously. From 5a20989611bd5add8fe06e68998c89a6d210406a Mon Sep 17 00:00:00 2001 From: ntombing Date: Wed, 11 Mar 2026 16:45:41 +0100 Subject: [PATCH 2/4] Add link to Support article --- docs/topics/payments/credit-transfers/international/index.mdx | 2 +- 1 file changed, 1 insertion(+), 1 deletion(-) diff --git a/docs/topics/payments/credit-transfers/international/index.mdx b/docs/topics/payments/credit-transfers/international/index.mdx index ce053f40b3e..55cbf441cea 100644 --- a/docs/topics/payments/credit-transfers/international/index.mdx +++ b/docs/topics/payments/credit-transfers/international/index.mdx @@ -170,7 +170,7 @@ The fees listed on this page are always paid by the **Swan user**. ∗∗ For incoming transfers, the additional fee percentage (in parentheses) only applies to transfers not already converted into euros. :::note Local transfer fees -Users may see a €5 fee when receiving euros from another account in the same country. This happens when the sending bank uses the SWIFT network instead of SEPA. +Users may see a €5 fee when receiving euros from another account in the same country. This happens when the sending bank uses the SWIFT network instead of SEPA. Share this [Swan Support Center article](https://support.swan.io/hc/en-150/articles/20983746712861-Currency-exchange-and-fees-for-International-Credit-Transfers) with your users to help them understand these fees. ::: **Fees are charged in their own transaction**. From ad947b574fe034b964566b0394ade53cc0b28e53 Mon Sep 17 00:00:00 2001 From: ntombing Date: Wed, 11 Mar 2026 16:51:30 +0100 Subject: [PATCH 3/4] Update callout --- docs/topics/payments/credit-transfers/international/index.mdx | 4 ++-- 1 file changed, 2 insertions(+), 2 deletions(-) diff --git a/docs/topics/payments/credit-transfers/international/index.mdx b/docs/topics/payments/credit-transfers/international/index.mdx index 55cbf441cea..eee38a6bd93 100644 --- a/docs/topics/payments/credit-transfers/international/index.mdx +++ b/docs/topics/payments/credit-transfers/international/index.mdx @@ -169,8 +169,8 @@ The fees listed on this page are always paid by the **Swan user**. ∗ For outgoing transfers, an **additional** 5€ fee is charged when sending **USD**, **GBP**, and **EUR** through SWIFT. For these currencies, the total fee is 10€ + the percentage % indicated in the table.
∗∗ For incoming transfers, the additional fee percentage (in parentheses) only applies to transfers not already converted into euros. -:::note Local transfer fees -Users may see a €5 fee when receiving euros from another account in the same country. This happens when the sending bank uses the SWIFT network instead of SEPA. Share this [Swan Support Center article](https://support.swan.io/hc/en-150/articles/20983746712861-Currency-exchange-and-fees-for-International-Credit-Transfers) with your users to help them understand these fees. +:::note ICT fees for same-country transfers +Users will see a €5 fee if they receive euros from the same country and the sending bank uses SWIFT instead of SEPA. For example, this can happen with a treasury transfer (virement de trésorerie) between French accounts. Share this [Swan Support Center article](https://support.swan.io/hc/en-150/articles/20983746712861-Currency-exchange-and-fees-for-International-Credit-Transfers) with your users to help them understand these fees. ::: **Fees are charged in their own transaction**. From f192bd73277832d5eb4f289b549ac763e1d0e5c2 Mon Sep 17 00:00:00 2001 From: ntombing Date: Fri, 13 Mar 2026 15:47:49 +0100 Subject: [PATCH 4/4] Simplified the callout --- docs/topics/payments/credit-transfers/international/index.mdx | 4 ++-- 1 file changed, 2 insertions(+), 2 deletions(-) diff --git a/docs/topics/payments/credit-transfers/international/index.mdx b/docs/topics/payments/credit-transfers/international/index.mdx index eee38a6bd93..b5d01977df8 100644 --- a/docs/topics/payments/credit-transfers/international/index.mdx +++ b/docs/topics/payments/credit-transfers/international/index.mdx @@ -170,8 +170,8 @@ The fees listed on this page are always paid by the **Swan user**. ∗∗ For incoming transfers, the additional fee percentage (in parentheses) only applies to transfers not already converted into euros. :::note ICT fees for same-country transfers -Users will see a €5 fee if they receive euros from the same country and the sending bank uses SWIFT instead of SEPA. For example, this can happen with a treasury transfer (virement de trésorerie) between French accounts. Share this [Swan Support Center article](https://support.swan.io/hc/en-150/articles/20983746712861-Currency-exchange-and-fees-for-International-Credit-Transfers) with your users to help them understand these fees. -::: +In specific cases, users may see a €5 fee for receiving euros from within the same country. This occurs if the sending bank uses SWIFT instead of [SEPA](/topics/payments/credit-transfers/sepa) (e.g., a French virement de trésorerie). Share this [Swan Support Center article](https://support.swan.io/hc/en-150/articles/20983746712861-Currency-exchange-and-fees-for-International-Credit-Transfers) with your users to help them understand these fees. +::: **Fees are charged in their own transaction**. Therefore, each International Credit Transfer **creates two transactions** on your transaction history: one for the transfer and one for fees.