SWIFT & SEPA Payment services for easy transactions

SEPA Transfers

SEPA enables you to make cross-border payments within Europe as convenient as domestic transfers. 36 countries of the EU and the EFTA are currently members of the SEPA project.

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Lower transaction costs

Execution time in 3 – 24 hours

No hidden fees

Security and accuracy of transactions

SWIFT Transfers

The SWIFT network connects over 11,000 financial organisations around the world and handles on average over 28 million international transfers daily.

38 supported currencies

Available in over 100 countries

Transparent transaction route

Traceable payment information

Mass payments

Optimize the payment process and avoid manual periodic payment initiation.

  • Pay multiple recipients at once
  • Up to 5000 recipients per transaction
  • Available for personal and business account holders

Payouts via API calls or batch file

38 currencies, 115 countries

Dedicated customer support

Instant bank validation

24/7 availability

Integrated security and compliance


SEPA Direct Debit

With SEPA Direct Debit funds are automatically pulled from your account each time a recurring payment is due.

Automated recurring payments

Payment initiation tasks eliminated

Ability to debit both fixed and variable amounts

Completely secure


SEPA Instant Credit Transfer

Speedy transaction and higher limits for convenient operations.

Execution time of 10 seconds

Availability 24/7/365

Fully secure operations

What is the difference?

Over 200 countries
From € 10 to € 30
2-5 business days
SEPA area
From € 0 to € 5
< 1 business day
SEPA Instant
SEPA area
10 seconds
Coming soon

Streamline EU-China transactions

Transact in Chinese Yuan and Hong Kong Dollar and get direct access to the Chinese and European markets.

EU-China Payment Infrastructure

Accounts can be opened for both EU and Chinese residents


What is a SEPA transfer?

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Single Euro Payments Area is a payment integration initiative of European countries, which allows users to make simplified transfers in euro, both in terms of speed and cost-efficiency. European citizens and residents use SEPA payments for different motivations, which include but are not limited to billing for services or products, receiving salaries, pensions, and various regular payouts, sending money to friends and family, etc. Many businesses fully rely on SEPA within Europe, as the system helps them satisfy their main needs: purchasing raw materials, buying and selling ready products, sending salaries to their employees, clearing money obligations with their partners, and the list goes on.

Can I only make SEPA transfers in euros?

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Whether you’re sending money online or with a digital banking app, all SEPA transfers are executed in euros. If the sender or recipient bank accounts are in a different currency, currency exchange will be required. For more information on international transfers, please read our dedicated blog post.

How do I make a SEPA transfer?

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To send a SEPA bank transfer, you need to log in to your current account with your provider and initiate a transfer as you normally would. You will then need to add a recipient along with required details and the IBAN of the recipient’s bank account. That’s it, your SEPA transfer is good to go.

What is a SWIFT transfer?

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SWIFT is another cross-border wire transfer network, which currently connects over 10,000 banking institutions in 210 countries. Not all financial institutions are connected to SWIFT without third parties, but instead use correspondent banks that act on their behalf, following mutual agreements. Thus, one simple transaction may sometimes be subject to fees from a couple of different institutions. SWIFT transactions are executed in 38+ currencies, but the fees are higher compared to SEPA transfers. Besides, while SEPA transfers are usually executed on the same day, SWIFT transactions may take up to a few working days. To find out more about the difference between SEPA and SWIFT, please read our dedicated blog post.

How do I make a SWIFT transfer?

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To make a SWIFT transfer, you need to initiate the transaction, enter your recipient’s information (name, address, bank name and address, recipient’s bank account number, and their bank’s SWIFT/BIC code) and the transfer amount, and finalize the process by confirming your payment.

Still doubting?

Our team is always ready to answer your questions and help you to find the best solution.