Send money across Europe via SEPA Instant

No more delays — get your Euros where they need to go, with low fees and instant transfers across 41 countries.

* Transactions ineligible for SEPA Instant will be processed within one business day (usually 1-3 hours).

Benefits of SEPA & SEPA Instant Transfers
  • Lightning-Fast Transfers
    SEPA Instant: Funds arrive within seconds, 24/7/365, including holidays.
    Standard SEPA: Delivered within one business day.
  • Free Upgrade
    No additional fee charged to upgrade to SEPA Instant. Enjoy lower fees compared to traditional international transfers, making SEPA Instant a cost-effective solution for euro payments.
  • Wide Reach
    Send and receive payments in euros to 41 SEPA countries, including all EU members, UK, Switzerland, and more.
  • Secure Transactions
    SEPA Instant transactions are protected by stringent security measures, ensuring your money is safe.
  • Seamless User Experience
    No changes to user interface — just follow the usual steps when making a EUR transfer, and our system will intelligently select the fastest available option.
What is SEPA Instant?

SEPA Instant is a service that allows for instant transfers of money in euros within the SEPA (Single Euro Payments Area). Unlike traditional SEPA transfers, which takes one business day, SEPA Instant ensures that funds arrive in the recipient's account within seconds, 24 hours a day, 365 days a year — including weekends and holidays.

How to Make a SEPA Instant Transfer
  • Log in to Your Main Account
    Access your account through our app or ibank.
  • Go to Transfer
    Select your preferred transfer option in EUR.
  • Enter Transfer Details
    Provide the recipient’s name, IBAN, and the amount to be transferred.
  • Complete the Transfer
    The system will intelligently select the fastest available option to process your transaction.
    If it’s eligible for SEPA Instant transfer, funds will arrive in recipient’s account in a second.
FAQ

Got Questions? We Have Answers!

You’ll need the recipient’s name and IBAN (International Bank Account Number).

SEPA Instant transfer usually takes only one second to complete. If your transfer is not eligible for SEPA Instant, our system will automatically process it via SEPA, which takes few hours to one business day to complete.

SEPA Instant & SEPA transfers have low fees compared to other international transfers. Check out pricing page for details.

SEPA Instant transfers must be in euros. If your account is in a different currency, convert it to euros before transferring.

To be eligible for SEPA Instant transfer, recipient's bank must support SEPA Instant, and transaction per time cannot be over €100,000.

Our customer support team is here to help with any questions or issues. Email us at [email protected] for prompt assistance. We're committed to making your SEPA Instant transfer experience as smooth as possible.
Join IPU Today

Connecting you to fast and easy euro transfers.