woody wrote:My problem is (or I'm just thick) I can, and do send money from my UK bank to my Greek bank and other peoples Greek banks.
I may be wrong, but I think SEPA is for euro only.
If you at the UK end indicate you wish to send euro, your UK bank will perform the currency conversion (at their rate, with their fee) and euros should then be sent via SEPA (because it's free).
If you were for example to send GBP, you could not use SEPA, and SWIFT would be used. You would pay the SWIFT fee (10 quid or so), and then the receipient bank, since the destination account is in euro, will convert GBP to EUR, at their rate, with their fee).
I would strongly advise you to avoid all this, get an account with Revolut. You will then have a euro denominated account in the UK, and it's MUUUUUUUUUUUUUUUCH MUUUUUUUUUUUUUUUUUUUUUUUUUUUUUCH easier and quickly and fabulously less painful to send money via their app than a bank web-site.
Also, they convert currency at the bank-to-bank rate, wiht no fees of any kind whatsoever.