SEPA Instant allows you to send and receive payments instantly
SEPA stands for the Single Euro Payment Area (SEPA). SEPA is made up of 36 countries that can send and receive payments using the euro currency.In order for SEPA Instant payments to work, both the sender and the receiving bank need to have it enabled. There is a limit of €100,000 per SEPA Instant payment.If either the sender or the receiver does not have SEPA Instant enabled, the payment is sent as a normal SEPA bank transfer.
Narvi’s Smart Routing Technology is used for all SEPA payments
When one of our customers initiates a payment using our dashboard or API, our system automatically checks if the receiving bank can receive SEPA instant payments.
If the bank supports SEPA Instant
Then we send the payment to the receiving bank within seconds.
If the bank doesn’t support SEPA Instant
Then we send a payment via SEPA Credit transfers. These transfers can take up to 24 hours to be delivered.
Key features
Send SEPA InstantThe system works 24/7
Smart Routing TechnologyIf a SEPA Instant payment is not possible, we will send it as a normal bank transfer
TraceableAll incoming and outgoing payments are listed under your unique IBAN and company name and can be traced upon request.These are the countries where you can currently send and receive SEPA Instant
- Andorra
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Lithuania
- Luxembourg
- Malta
- Monaco
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- San Marino
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- United Kingdom
- Vatican City State
)
Frequently Asked Questions
Head to our blog covering euro SEPA payments and countries where it's possible to use them.
Having a SEPA-connected IBAN would be a convenient way to send and receive SEPA transfers. Find out how a SEPA euro IBAN provided by Narvi works.
Over 36 countries and over 5,000 banks currently use the Single Euro Payment Area (SEPA) system. Many of these banks have old technology or are still not connected to the SEPA Instant system.
When we send a SEPA Instant payment it takes around 10-30 seconds. Sometimes when the payment arrives at the receiving bank, they have internal processes to stop and review transactions before crediting the balance to their customers. This can take anywhere from several hours up to a full day.
No. Currently, we charge the same fee whether the transaction is instant or credit. Check Narvi's Pricing table for details.
The SEPA Instant system has an upper limit of €100,000 per transaction. If you send a payment larger than this amount it will automatically be sent as a SEPA Credit transfer which can take up to a day to reach the receiver's bank account. SEPA Credit transfers have no maximum limits.
Sign-up up now for your Business account and get access to SEPA instant payments.
What We Offer
Narvi Payments Oy Ab is an Authorized Electronic Money Institution (EMI). Narvi’s EMI license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3190214-6. Narvi’s license is Passportised to all European Union countries.
Built and regulated in Finland© 2025 Narvi. All Rights Reserved.
v1.132.1