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Banking Without Borders

At Service Credit Union, we make international banking services seamless with secure transactions, competitive exchange rates and zero hidden fees.
Contact Us About International Services

Your Global Banking Partner

Managing finances while living, working, or traveling abroad can be complex. Service Credit Union’s international services are designed to make global banking simpler and more reliable. From international bill pay and SEPA transfers to foreign currency solutions, we help members manage payments, access funds, and stay financially connected across borders.

With trusted support and flexible tools, you can bank with confidence wherever life takes you.

International Bill Pay - globe

Essential International Banking Services

Explore our key international banking services, designed to help you manage your finances across borders with ease.

Pay bills worldwide, effortlessly.*

International Bill Pay

Easily schedule payments in local currency.
  • Pay bills in 16 currencies
  • Available to over 40 countries
  • Secure online and mobile access
Pay Now

Fast and secure Euro transactions.

SEPA Transfers

Send and receive Euro payments across Europe effortlessly with our participation in the Single Euro Payments Area (SEPA).
  • Seamless Euro transactions
  • No hidden fees for transfers
  • Works with your IBAN and our BIC
Learn More

Shop across Europe without extra fees.**

V PAY Card

Use your V PAY card anywhere in Europe like a debit card—without international transaction fees.
  • Widely accepted
  • No foreign transaction fees
  • Secure and convenient
Get Card

Get the currency you need before you travel.

Foreign Currency Banknotes

Skip the hassle of airport exchanges by ordering your foreign currency*** in advance for pickup at a U.S. Service Credit Union branch.*
  • Real-time exchange rates
  • Convenient branch pickup
  • Avoid last-minute exchange fees
Get Foreign Currency

Exchange Rate Information at Your Fingertips

Exchange Rates

Whether you're traveling, making international payments, or managing overseas finances, knowing the latest exchange rates is essential, so you can plan with confidence.
  • Updated daily
  • More than a dozen currencies
  • Convenient access
See Exchange Rates
Bank Globally, Pay Seamlessly
Wherever you go, manage your money with confidence. With International Bill Pay, you can send payments in 16 different currencies to over 40 countries*—right from your phone or online banking. 
Learn More

International Banking Services FAQs

How do I access International Bill Pay?
Log in to online banking or your mobile app and go to “Pay an International Bill” under “Move Money.” Select the currency and recipient, and your payment is processed securely*. Learn more here.
What is SEPA, and how does it work?
The Single Euro Payments Area (SEPA) allows easy and secure Euro transfers between European banks. Simply provide your IBAN and our BIC to complete a transaction.
Does V PAY work everywhere?
V PAY is accepted across much of the European Union and works like a debit card**, without foreign transaction fees.
Can I order foreign currency in advance?
Yes! You can request foreign currency*** for pickup at any U.S. branch. Simply call us at 800-936-7730 to order ahead, or make the request while at your local branch.
What is Service Credit Union's BIC?
Service Credit Union’s BIC is SCRUDE51XXX. Only used for Euro Transfers.
*One-Time and Recurring Payment Orders are available from any share or share draft account with an available balance that is eligible to make transfers. If the account selected for payment does not have sufficient available funds at the time the transaction is processed, an overdraft charge will be debited from the account, and the associated payment may not be executed. Automatic debits are available only to merchants in Europe, in Euros. Select any day of the week to make recurring payments weekly, biweekly, monthly, or quarterly. International Bill Pay incurs a $1.00 fee per online or mobile transaction and for recurring payments. One-time International Bill Pay transactions initiated in a branch, over the phone, or through chat incur a $2.00 fee per transaction. Service CU is not liable for and has no influence over the conversion rate applied to the conversion of the funds. All payments are transferred in the selected currency. If the beneficiary accounts to which the funds are ultimately credited are not denominated in the selected currency, the amount will be converted to the appropriate currency (i.e., British Sterling, Swiss Franc, Swedish Kroner, etc.) or returned by the receiving financial institution. Any funds returned to Service CU will be converted using the reconversion rate in effect on the date of credit.

**A fee will be assessed for the initial card issuance and the funds must be available in the checking account at the time the card is ordered. Other fees may apply. See the V PAY Fee Schedule and V PAY Card Disclosure, Terms and Conditions for more information. The V PAY card is tied to your checking account and allows you to access your available balance. Automatic weekly limit of 1,000.00 Euros. Contactless payment transactions may only be completed for individual transactions under €50. Upon accumulating €150 of contactless payment transactions, a PIN entry will be required to reset the contactless limit cycle. V PAY is a registered trademark of the Visa International Service Association. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

***Any orders or currency exchanges under $500 will incur a $15 processing fee. Orders not picked up within 2 business days will be returned subject to any applicable processing fees and exchange rates. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.