Send and receive euro payments instantly

Narvi provides SEPA Instant payments 24/7 using our Smart Routing Technology.

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

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.
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.

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.FIN FSA logo
FinlandBuilt and regulated in Finland

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