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Instant vs Standard SEPA transfer

Learn the difference between Instant and Standard SEPA transfers, including how long they take and when each option is available.

Written by Agnest
Updated over a month ago

When making a bank payment, your bank may offer two types of SEPA transfers:

Instant SEPA

  • Funds reach us in real time, usually within few minutes.

  • Available 24/7, including weekends and holidays.

Standard SEPA

  • Funds typically arrive within 1–3 business days.

  • Processed only during regular banking hours (Monday to Friday, excluding holidays).

If your bank does not allow you to choose the transfer type, it will automatically decide which option to use based on its availability and internal settings.

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