Payments and Trade Finance

Commercial payment methods and trade finance information for contractual transactions only.

Accepted Payment Methods
 
Saniterra UK Limited supports the following payment methods for commercial transactions, subject to contract terms, buyer due diligence, and transaction size:
 
•Bank Transfer (SWIFT MT103 / T/T)
Standard bank-to-bank transfer for goods and services under contract and invoice.
•Letter of Credit (LC)
Suitable for structured international trade transactions where documentary compliance is required.
•Bank Guarantee (BG)
Used where contractual security is required (e.g., performance obligations or agreed commercial guarantees), subject to review.
 
The applicable payment method is agreed in advance and stated in the signed contract and official invoice issued by Saniterra UK Limited.
 
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Letter of Credit (LC) Requirements (Trade Finance)
 
Where a Letter of Credit is used, Saniterra UK Limited generally accepts documentary LCs aligned with international trade practice and issued through recognised banking institutions.
 
Core LC principles (unless otherwise agreed in writing):
•Irrevocable LC in favour of Saniterra UK Limited
•Transferable LC (required for back-to-back supply chain execution, where applicable)
•Partial shipments: Allowed (unless the contract specifies otherwise)
•Transshipment: As per contract and shipping route feasibility
•Currency and amount: Must match the contract and proforma invoice
•Shipment and expiry dates: Reasonable and consistent with manufacturing, logistics, and documentation timelines
•Documents required: Confirmed in the contract / LC instructions (e.g., Commercial Invoice, Packing List, Transport Document, Certificate of Origin, Insurance where applicable)
 
Issuing bank standards:
•The LC must be issued by a reputable, internationally recognised bank, typically a Tier-1 or equivalent institution acceptable to Saniterra UK Limited and its banking partners.
•LCs issued by banks in jurisdictions subject to sanctions, elevated compliance restrictions, or unusual payment controls may be rejected.
 
Back-to-back trade execution (commercial note):
Saniterra UK Limited may execute transactions using a back-to-back procurement and delivery structure, meaning the buyer’s payment instrument supports supplier-side fulfilment under aligned contractual terms. Saniterra UK Limited does not operate as a payment service provider or financial intermediary; all payments are made strictly under contractual documentation and standard bank-to-bank procedures.
 
LC draft review (important):
To avoid delays and amendment costs, LC drafts should be submitted to Saniterra UK Limited for review and alignment before issuance.
 
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Bank Guarantee (BG) Review Standards
 
Where a Bank Guarantee is required, Saniterra UK Limited considers BGs issued by recognised banks, subject to:
•Clear beneficiary and contract references
•Reasonable validity and claim conditions
•Compliance with applicable laws, sanctions screening, and standard banking practice
•Written approval of final wording prior to issuance
 
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Important Notice
 
Saniterra UK Limited does not accept informal payment arrangements or third-party fund routing. Payments must be made only in accordance with the executed contract and official invoice, and only to bank accounts nominated by Saniterra UK Limited in contractual documentation
Trade Payment Process
 
Saniterra UK Limited follows a structured, contract-led payment process designed to ensure transparency, reduce risk, and support efficient bank-to-bank settlement for international trade transactions.
 
All payments are executed strictly in accordance with signed contracts and official invoices.
 
Standard Contractual Process
1.Commercial Agreement & Contract Execution
The commercial terms are agreed in writing, including scope of goods or services, specifications, Incoterms, delivery timelines, documentation requirements, and the applicable payment method (SWIFT / LC / BG).
2.Issuance of Official Invoice
Saniterra UK Limited issues an official invoice (and proforma invoice where applicable) clearly identifying the contracting parties, transaction value, currency, and agreed payment terms.
3.Buyer Arranges Payment Through Their Bank
The buyer initiates payment directly through their own bank using the agreed method:
•Bank Transfer (SWIFT MT103 / T/T), or
•Letter of Credit (LC), or
•Bank Guarantee (BG), where contractually agreed.
4.Bank-to-Bank Settlement to the Nominated Account
Funds are settled directly between banks to the nominated Saniterra UK Limited bank account stated on the contract and official invoice.
 
Key Principles
•Contract-first approach: No payment process begins without executed contractual documentation.
•Bank-to-bank only: Payments move directly between regulated banking institutions.
•No third-party funds: Payments must originate from the buyer (or their approved financing bank) and be made strictly against contractual documentation.
 
Saniterra UK Limited does not act as a payment intermediary, escrow agent, trustee, or payment service provider, and does not receive, hold, pool, or transfer funds on behalf of third parties.
Banking Information (Reference Only)
 
The banking details below are provided for reference purposes only. Payments must be made strictly in accordance with signed contracts and official invoices issued by Saniterra UK Limited.
 
Saniterra UK Limited maintains corporate banking relationships with UK-regulated banks. The applicable bank account, currency, and payment instructions are confirmed on contractual documentation and invoices for each transaction.
 
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HSBC UK (Primary Trade Bank)
•Account Name: Saniterra UK Limited
•Bank: HSBC UK Bank plc
•Country: United Kingdom
•Currencies Supported: GBP / EUR
•SWIFT / BIC: HBUKGB4B
•IBAN: Provided on official invoice
 
HSBC UK is used as a primary banking partner for international trade transactions, including bank-to-bank transfers and trade finance instruments, subject to contract terms.
 
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NatWest (Secondary Trade Bank)
•Account Name: Saniterra UK Limited
•Bank: National Westminster Bank plc
•Country: United Kingdom
•Currencies Supported: GBP
•SWIFT / BIC: NWBKGB2L
•IBAN / Account Details: Provided on official invoice
 
NatWest is a banking partner for international trade transactions, including bank-to-bank transfers and trade finance instruments, subject to contract terms.
 
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Important Notice
 
Saniterra UK Limited does not publish full bank account numbers, customer numbers, balances, or statement information on its website.
We do not change banking details via email, messaging platforms, or third-party requests.
 
Any request to amend payment instructions must be verified using official contact details published on this website.
Letters of Credit (LC) & Bank Guarantees (BG)
 
Saniterra UK Limited supports internationally recognised trade finance instruments to facilitate secure, contract-based international transactions. Letters of Credit (LC) and Bank Guarantees (BG) are accepted subject to internal compliance checks, commercial review, and confirmation of contractual alignment.
 
These instruments are used strictly within the scope of commercial trading activities and do not constitute financial services.
 
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Letters of Credit (LC)
 
Where a Letter of Credit is agreed as the payment method, the LC must be structured to support documentary trade settlement and efficient supply-chain execution.
 
General requirements (unless otherwise agreed in writing):
•Irrevocable Letter of Credit issued in favour of Saniterra UK Limited
•Issued by a reputable, compliant banking institution acceptable to Saniterra UK Limited and its banking partners
•Issuing bank and routing must not be subject to international sanctions, embargoes, or material compliance restrictions
•LC terms must accurately reflect the agreed commercial contract, including value, currency, Incoterms, shipment timeline, and documentary requirements
•Transferable LC, where required, to support back-to-back procurement and delivery structures
 
To minimise delays, discrepancies, and amendment costs, LC drafts should be submitted for review and alignment prior to issuance.
 
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Deferred Payment Letters of Credit (Usance LCs)
 
Saniterra UK Limited may accept deferred payment Letters of Credit (e.g. 90, 120, or 180 days) for approved transactions, subject to contractual agreement, pricing adjustment, and enhanced compliance review.
 
Key conditions for deferred LCs:
•The LC must be irrevocable and issued in favour of Saniterra UK Limited
•Deferred payment terms must be clearly stated and fully aligned with the commercial contract
•The issuing bank must be a Tier-1 or otherwise acceptable Tier-2 bank; weaker institutions may require additional protection
•The LC must be transferable, where necessary, to support back-to-back supplier execution
•All LC-related bank charges (including issuance, amendment, advising, confirmation, reimbursement, and SWIFT fees) are for the applicant’s account, unless expressly agreed otherwise in writing
•For extended tenors, pricing adjustments may apply to reflect financing cost, risk exposure, and opportunity cost
 
Saniterra UK Limited reserves the right to:
•Request confirmation of the LC at the applicant’s cost, particularly for extended tenors
•Decline deferred payment structures that do not meet internal risk, pricing, or compliance criteria
 
No production, shipment, or contractual execution will commence until a fully compliant and accepted LC is received.
 
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Bank Guarantees (BG)
 
Where a Bank Guarantee is agreed (e.g. performance or contractual security), Saniterra UK Limited will review the proposed BG wording and issuing bank prior to acceptance.
 
General requirements (unless otherwise agreed in writing):
•Issued by a recognised and compliant banking institution
•Clear identification of beneficiary, underlying contract, and obligations covered
•Reasonable validity period and claim conditions consistent with the commercial contract
•Prior review and written confirmation of final wording before issuance
 
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Documentation & Instructions
 
Detailed LC and BG instructions, including acceptable structures and documentary requirements, are provided upon request and/or incorporated into the relevant contractual documentation for each transaction.
 
Saniterra UK Limited reserves the right to request reasonable amendments to LC or BG terms where required for operational feasibility, documentary compliance, or risk management.
 
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Strategic note
 
Saniterra UK Limited approaches trade finance instruments as commercial risk-management tools, not as payment conveniences. Deferred payment structures are assessed with the same discipline as credit exposure and priced accordingly.

Verification & Anti-Fraud Policy

Saniterra UK Limited operates a strict verification policy to protect clients, counterparties, and suppliers from payment fraud, impersonation attempts, and unauthorised changes to payment instructions.

Our Non-Negotiable Rules
• No bank detail changes by email or messaging platforms.
Saniterra UK Limited does not change banking coordinates or payment instructions via email, WhatsApp, Telegram, SMS, or similar channels.
• No third-party payment instruction requests.
We do not accept bank detail changes or payment routing instructions issued by third parties, intermediaries, or unauthorised representatives.
• Contract and invoice take priority.
Payments must be made only to the bank account stated on the signed contract and/or official invoice issued by Saniterra UK Limited.

Verification Requirements
Any request to amend payment instructions (including bank account details, beneficiary name, currency, or routing information) must be verified through official contact channels published on this website and confirmed in writing by an authorised representative of Saniterra UK Limited.

Where required, Saniterra UK Limited may request one or more of the following before confirming any amendment:
• Formal letter on company letterhead signed by an authorised signatory
• Re-issued invoice / contract addendum reflecting the updated instructions
• Direct verification call using official published contact details
• Additional compliance checks consistent with internal risk procedures

Client Responsibilities (Before You Pay)
Clients are strongly advised to complete the following checks before executing any transaction:
• Confirm the beneficiary name matches: Saniterra UK Limited
• Confirm the invoice number / contract reference is included in the payment reference
• If any payment instruction differs from the contract or invoice, pause and verify through official channels before sending funds

If a client receives any message claiming that Saniterra UK Limited has “changed bank details,” “updated accounts,” or “needs urgent payment to a new account,” this should be treated as a potential fraud attempt unless verified through official channels.

Regulatory & Financial Disclaimer

Saniterra UK Limited operates as a commercial trading, advisory, and consultancy company. We are not authorised or regulated by the UK Financial Conduct Authority (FCA) and do not provide regulated financial services, payment services, investment services, or custody of client funds.

Saniterra UK Limited does not act as a payment intermediary, escrow agent, trustee, or money transfer service. We do not receive, hold, pool, transmit, or manage third-party funds on behalf of clients or counterparties.

All commercial transactions are conducted strictly under executed contracts and official invoices, with settlement completed through standard bank-to-bank procedures.