How to Receive International Payments Into a Cyprus Bank Account (2026)

Receiving international payments into your Cyprus bank account is straightforward once you understand the difference between SEPA transfers (within the EU) and SWIFT transfers (from outside the EU). The details you share with senders depend on where they are sending from.

Receiving Money from Within the EU (SEPA Transfer)

For payments from any EU or EEA country (Germany, France, Netherlands, etc.), use your IBAN only:

• Revolut: Your LT-prefix IBAN (find it in the app under Account → EUR Account)
• Local bank: Your CY-prefix IBAN (on your bank card, bank letter, or in the app)

SEPA transfers are fast (usually same business day or next day), low-cost (often free), and widely used across Europe. No SWIFT code needed.

Receiving Money from Outside the EU (SWIFT Transfer)

For payments from the UK, US, UAE, Israel, or any non-EU country, you typically need:

1. Your IBAN (LT or CY prefix)
2. Your bank’s SWIFT/BIC code
3. Your bank’s name and address
4. Sometimes: Intermediary bank details (for some currencies)

SWIFT codes for Cyprus banks:

The Best Way to Receive International Payments

From the UK: Use Wise. Open a Wise account and you get a UK bank account number and sort code. Your UK clients or pension provider pay into a UK account; Wise converts to EUR at the mid-market rate. Far cheaper than SWIFT transfer from a UK bank.

From the US: Use Wise. You get a US routing number and account number — clients pay as if you have a US bank account.

From Israel: SWIFT transfer to your Cyprus IBAN + SWIFT code. Alternatively, Wise accepts Israeli bank transfers.

From within the EU: SEPA transfer to your IBAN. Fast and free.

Fees on Incoming SWIFT Transfers

Incoming SWIFT transfers at traditional Cypriot banks typically carry fees:

• Bank of Cyprus: €10–€15 incoming SWIFT fee
• Hellenic Bank: similar
• Revolut: free (no incoming transfer fees)
• Wise: free for incoming transfers to your Wise account

This is another reason to use Wise or Revolut as the receiving end of international transfers, then move money to your local account if needed.

What to Tell Someone Sending You Money

Create a simple payment details document to share:

For EU senders:

Bank: [Bank Name] IBAN: [Your IBAN] Account holder: [Your Name]

For non-EU senders:

Bank: [Bank Name] Bank address: [Bank main address] SWIFT/BIC: [Code from table above] IBAN: [Your IBAN] Account holder: [Your Name]

For Wise specifically, you can share a “payment details” PDF from within the Wise app — it automatically formats the correct information for different source countries.

Receiving Salary from a Foreign Employer

If your employer is based outside Cyprus:

• Share your Revolut or Wise IBAN for simplest setup
• Most payroll systems handle EU IBANs without issue
• For US-based employers using ACH: use Wise’s US account details
• For UK employers: use Wise’s UK sort code and account number

Full guide to transferring money to Cyprus →

Compare all 8 Cyprus banks →