Personal Finance Money transfer

International transfer with Belfius from France: rates and fees

Soufiane Baba

23.09.25

Read time 2 minutes

With Belfius Bank, you can send money abroad in different currencies. But how much does an international transfer really cost with Belfius? What are the fees, and how long does it take? And are there cheaper alternatives when sending money from France? Let’s break it down.

If you want to send money abroad more affordably, you could also consider opening a Wise account. This lets you transfer money to 140+ countries worldwide at the mid-market exchange rate, with no hidden markups.

Discover the Wise account

Belfius vs Wise: comparison of transfer fees

Example: fees for sending €1,000 from France to a USD account.

Provider	Transfer Fee	Exchange Rate Commission	Total Cost
Belfius¹	€4.54 for transfers up to €25 + €6.05 for the OUR option	0.121% of the amount (min €9.68, max €121) + 1.50% exchange rate margin	€1.21 + €15 exchange rate margin = €16.21
Wise	0.62%	Mid-market exchange rate (no markup)	€6.21

The Belfius rates above are from the 2025 tariff schedule¹ and compared to Wise rates on May 11, 2025. This is an example only. Actual fees depend on your bank contract and destination country.

How to make an international transfer with Belfius

Online transfers

Only SEPA transfers in EUR within Europe are free when made online.

For other international transfers, you can use Belfius Direct Net or the Belfius Mobile App.

Belfius Direct Net

Log in > My Products > My Transactions > Introduce a Transfer > International Transfer
Enter BIC/SWIFT + IBAN (or Fedwire, Routing, ABA code if required)
Specify amount, currency, and payment reason

Belfius Mobile App

Go to Overview > click the red + button > Transfer
Select your account > choose BIC/SWIFT and IBAN option
Enter amount, currency, and payment reason

In-branch transfers

You must go to a Belfius branch if:

The transfer currency is not listed online
The account number does not follow the IBAN format

At the branch, you’ll need the beneficiary’s details (name, IBAN, BIC/SWIFT) and transfer amount.

Required details for Belfius transfers

To make an international transfer, you need:

Your IBAN (BE…)
Beneficiary’s IBAN and BIC/SWIFT
Beneficiary’s name
Transfer amount and reason (if required)

Transfers can be made:

In EUR to non-SEPA countries
In foreign currencies to countries inside or outside SEPA

Processing times with Belfius

SEPA transfers: 1–2 business days (same day if ordered before 5:00 p.m.)
Urgent SEPA transfers: same day if ordered before 4:30 p.m.
International transfers: several days depending on destination and currency

Fees for Belfius international transfers

SEPA zone transfers¹

Urgent SEPA transfers online: €3–5
Urgent SEPA transfers on paper or in branch: €6.05
Urgent surcharge for international transfer: €7.26

Conditions for fee-free SEPA transfers:

Made in EUR (€)
Destination in SEPA zone
Correct IBAN and BIC provided
SHA (shared fee) option selected

If conditions are not met, fees apply. Transfers done at a branch may add €0.35¹.

Transfers in EUR outside SEPA

€9.68 if IBAN/BIC are correct
Up to €30 if details are incorrect

Other foreign currency transfers

0.121% of amount (min €9.68, max €121)
- +1.50% exchange rate margin¹
Additional fees may include:
- Correspondent bank fees (min €6.05)
- Cancellation fee: €5
- Bank intervention: €0.35
- Correction fee: €20

Fee sharing options

For transfers outside the EEA (EU + Liechtenstein, Iceland, Norway):

SHA: shared fees between sender and recipient
OUR: sender pays all fees
BEN: recipient pays all fees

Save on international transfers with Wise

It’s possible to make international transfers via Belfius, but as shown, costs can add up due to fees and exchange rate margins.

The Wise account could be a more economical alternative:

Transfers to 140+ countries with no hidden fees
Uses the mid-market exchange rate (no markup)
Hold and convert 40+ currencies in one account
No monthly maintenance fees
Fast processing times

Open your Wise account

Source:

1 – Belfius price brochure

Last verified on May 11, 2025.
This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.