Your Accountable Banking account can receive credit transfers from abroad, regardless of the currency the sender uses. Swan's BIC is connected to the SWIFT network, so your IBAN is all the sender needs — no separate account required.
Ask the sender to provide the following details to their bank when initiating the transfer:
Beneficiary IBAN | Your IBAN (visible in the Accountable app under Banking) |
Beneficiary name | Your full name as registered on your account |
Swan BIC For SEPA transfers | Germany: SWNBDEBB |
Intermediary SWIFT For international SWIFT transfers only | TRWIGB2B — Wise, United Kingdom |
⚠️ A currency being listed here does not mean transfers from that country are accepted. Always check the allowed countries list before sharing your IBAN with a sender abroad.
Yes. Accountable Banking accounts are euro-based. If the sender transfers in another currency (e.g. GBP or USD), the amount is converted to euros before it reaches your account. The conversion is handled by the intermediary banks along the route.
If Swan performs the final currency conversion, an additional fee applies on top of the standard €5 processing fee (e.g. 0.6% for USD). If the transfer arrives already converted to euros, only the flat €5 fee applies.
Two types of fees can apply to incoming international transfers:
Intermediary bank fees: Charged by the banks that route the transfer. These are deducted directly from the transfer amount before it reaches your account. The exact amount depends on the banks involved and how the sender set up the fee arrangement.
Swan processing fee: A flat €5 fee charged separately by Swan once the transfer is booked to your account. This appears as a separate transaction in your history.
💡 Fee arrangement (set by the sender): • SHA — fees split: sender pays their bank's fees, you pay intermediary fees deducted from the amount • BEN — all fees paid by you, deducted from the transfer amount • OUR — all fees paid by the sender (though some banks may still pass on intermediary fees) |
The diagram below shows a real example of a £1,000 GBP transfer and what gets deducted at each step:
Once Swan receives the transfer, it is booked to your account immediately. The total time depends on how long the transfer spends passing through the sending bank and any intermediary banks — this can range from a few hours to several business days, depending on the origin country and currency.
The transfer originates from a country not on the allowed list.
Your account is in Limited status (i.e. not yet fully verified). Any incoming international transfer on a limited account is automatically rejected, regardless of the amount. This restriction is lifted once your account verification is complete.
👉 See the full list of allowed countries for incoming international transfers
Feel free to contact our support team. We'll be happy to help.
Author - Valesca Wilms
As content marketing lead at Accountable Belgium, Valesca writes about freelancing, self-employment, and taxes based on her own experience as a freelancer.
Who is Valesca ?Thank you for your feedback!
Useful
As a self-employed individual with a sole proprietorship, your income is taxed under the personal in...
Read moreStarting from 2026, all self-employed individuals will need to send their invoices electronically in...
Read moreThe VAT reverse charge is a complicated word for a simple concept. It helps you purchase and sell sm...
Read moreThey always answer right away to any question I have, they provide clear answers, and they are very patient even when I struggle to understand. They try to explain in different ways. They are very helpful, responsive and friendly.
Chiara Marradi
01/05/2026
Everything was great! All my questions were answered quickly and in a friendly manner.
Wenzeslawa Wegener
04/05/2026
In the world where everyone seems to be out to get small entrepreneurs and overwhelm them with new rules, more taxes and reporting obligations, Accountable often feels like the one steady partner that actually wants you to succeed, providing quick, clear and personalised support. Thank you!
Janina Arsenjeva
10/04/2026
This is an amazing application with great support on issues. In short as in day I am addicted to it (in a positive way). I myself is from IT project management and the way they have captured the user requirement, it’s phenomenal.
Sumit Tewary
01/12/2024
UI is great. Feature packed and very easy to use. The team at Accountable were VERY quick to respond and their team of technicians soon had a fix in place. Very happy with the level of service so far. Thumbs up from me!
Dean Osborne
14/06/2023
This program is a lifesaver, and it is always improving. Plus, it has an AI chat feature that is actually useful.
Jeffrey Humble
14/01/2026
The coaching session on tax management was excellent, good material, excellent explanations and very insightful. Combined with the AI I never feel alone with Accountable.
Sergio Barbarino
23/04/2026
The availability of your team to help and guide people to understand their finances better is what really makes Accountable valuable. While the AI is able to give answers to most basic questions, specific scenarios need counsel from a human which your team performs beautifully.
Sofiya Bogdan Neves
18/04/2026
Fast and careful answers from Alina. Top service. Thank you.
Anonymous
15/04/2023
They always answer for questions wherever is via direct e-mail or through app. If they can’t answer fully they will forward you to the right place. Documents were always prepared well and ready to send further to government. Everything is intuitive in the app and easy to sort out even for someone completely green in this field.
Anonymous
22/03/2026
