{"id":2068,"date":"2021-04-30T15:47:49","date_gmt":"2021-04-30T12:47:49","guid":{"rendered":"https:\/\/satchel.eu\/?page_id=2068"},"modified":"2025-12-29T15:41:26","modified_gmt":"2025-12-29T13:41:26","slug":"sepa-the-ultimate-guide","status":"publish","type":"page","link":"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/","title":{"rendered":"SEPA: Kompletny przewodnik"},"content":{"rendered":"<section class=\"section pt-45 pt-md-70\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-lg-7 offset-lg-2 mb-lg-0 mb-40\"><a class=\"btn btn-primary d-inline-flex align-items-center mb-25\" href=\"https:\/\/satchel.eu\/pl\/faq\/\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\" class=\"mr-5\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-224 -180) translate(191.5 168) translate(32.634 11) translate(.366) matrix(-1 0 0 1 16 1)\"\/> <path fill=\"#212121\" fill-rule=\"nonzero\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-224 -180) translate(191.5 168) translate(32.634 11) translate(.366) matrix(-1 0 0 1 16 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg> Back<\/a><\/p>\n<h1 class=\"mb-25\">SEPA: The Ultimate Guide<\/h1>\n<p class=\"\">Here you will find all the necessary information for making transactions via SEPA, one of the largest global payment systems.<\/p>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">Introduction<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Since 2017, SEPA Instant Credit Transfers (SCT Inst) have been available across financial institutions in eight Eurozone countries. Currently, SEPA Instant payments are executed in all the Eurozone states and offer users an unparagoned transaction execution speed of up to 10 seconds.<\/p>\n<p class=\"mb-20\">Key benefits of  SEPA Instant Credit Transfer: <\/p>\n<ul class=\"list list--md mb-0\">\n<li>Immediate funds availability for the recipient;<\/li>\n<li>Reduced fraud risk;<\/li>\n<li>Real-time payment tracking;<\/li>\n<li>Competitive fees;<\/li>\n<li>A seamless customer experience;<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><br \/>\n            <a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">What is SEPA?<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Single Euro Payments Area is a payment integration initiative of European countries,<br \/>\n                  which simplifies the execution of transfers in euro, both in terms of speed and costefficiency<\/p>\n<p><b>What are the use cases of SEPA transfers?<\/b><\/p>\n<p>European citizens and residents use SEPA for different motivations. These include but<br \/>\n                  are not limited to billing for services or products, receiving salaries, pensions, and<br \/>\n                  various regular payouts, sending money to friends and family, etc. Many businesses<br \/>\n                  fully rely on SEPA within Europe, as the system help them satisfy their main needs:<br \/>\n                  purchasing raw materials, buying and selling ready products, sending salaries to their<br \/>\n                  employees, clearing money obligations with their partners, and the list goes on.<\/p>\n<p>Although certain banks and financial institutions may apply small commissions for the Single Euro Payments Area transactions, the system is generally completely free. Moreover, as all<br \/>\n                  payments are in Euro only, customers also save on exchange rates. Any given transfer<br \/>\n                  that amounts to less than 50,000 EUR will only require a couple of hours to reach the<br \/>\n                  beneficiary. Besides, the instant credit transfer option that takes 10 seconds at most, is<br \/>\n                  being gradually integrated all over Europe.<\/p>\n<p><b>The euro currency and its coverage<\/b><\/p>\n<p>Euro has the status of national currency in nineteen countries of the Eurozone, as well<br \/>\n                  as in nine other non-EU territories, including two states outside Europe.<\/p>\n<p>Euro is the only available currency in the SEPA system, as it covers not only the EU<br \/>\n                  member-states, but also Norway, Denmark, Poland, and other countries. Open<br \/>\n                  financial and customs borders give businesses in these countries an opportunity to<br \/>\n                  conveniently trade and operate in Euro, alongside the local currency.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">SEPA countries<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>The thirty-six territories that support SEPA greatly boost the economic capacity of the<br \/>\n                  region. At the moment, the SEPA zone consists of twenty-eight EU member-states:<br \/>\n                  Germany, France, Estonia, Belgium, Spain, Denmark, Italy, Greece, Finland, Hungary,<br \/>\n                  Austria, Slovenia, Ireland, Bulgaria, Malta, the Netherlands, Lithuania, Poland,<br \/>\n                  Croatia, Portugal, Sweden, Cyprus, Latvia, Romania, the Czech Republic,<br \/>\n                  Luxembourg, Slovakia, and the United Kingdom.<\/p>\n<p>However, SEPA is not only about the EU countries. Such territories as Norway,<br \/>\n                  Iceland, Liechtenstein, Switzerland, Andorra, San Marino, and Monaco, are also part<br \/>\n                  of the network.<\/p>\n<p>Considering the population of the above-mentioned states, almost half a billion people<br \/>\n                  reside in the SEPA area and generate more than 120 billion SEPA transactions each<br \/>\n                  year.<\/p>\n<p>This makes SEPA the primary means for Euro transactions in the EEU. All citizens and businesses residing or possessing accounts in the countries of the SEPA zone can enjoy international transactions in euros that offer the same speed and convenience as the ones executed domestically.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">SEPA and the UK<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Despite the fact that GBP is the national currency of Great Britain, SEPA transfers are<br \/>\n                  still available for its citizens and residents.<\/p>\n<p>Despite Brexit, the UK has retained its SEPA membership, as the system is an<br \/>\n                  excellent tool that currently has no analogs for private and corporate transactions in<br \/>\n                  Euro. This payment method combines a perfect set of standards for improving the<br \/>\n                  efficiency of cross-border transactions and merging separated local markets into one.<\/p>\n<p>In Europe, any customer can make a transfer Euro to a UK bank account using the<br \/>\n                  SEPA system. Moreover, such transactions won\u2019t require currency exchange or any<br \/>\n                  relevant commissions. Euro accounts in the UK come with IBANs that are no<br \/>\n                  different from the ones issued in Europe.<\/p>\n<p>A SEPA transfer can also be chosen to execute a transaction between the USA and the<br \/>\n                  United Kingdom, given that the American party has a Euro account opened in an EU<br \/>\n                  banking institution.<\/p>\n<p>In order to open a current account in Euro, the UK citizens and businesses only have<br \/>\n                  to provide the very basic personal data, which falls under European requirements.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">SEPA Instant Credit Transfer<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Since 2017, SEPA Instant Credit Transfers (SCT Inst) have been available across financial institutions in eight Eurozone countries. Currently, SEPA Instant payments are executed in all the Eurozone states and offer users an unparagoned transaction execution speed of up to 10 seconds.<\/p>\n<p class=\"mb-20\">Key benefits of  SEPA Instant Credit Transfer:<\/p>\n<ul class=\"list list--md mb-0\">\n<li>Immediate funds availability for the recipient;<\/li>\n<li>Reduced fraud risk;<\/li>\n<li>Real-time payment tracking;<\/li>\n<li>Competitive fees;<\/li>\n<li>A seamless customer experience;<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">What are the next steps to start using SEPA Instant transfers?<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>In order to start transacting, you need to open one of the following accounts with Satchel: business, merchant, freelance or personal.<\/p>\n<p>As soon as your main account is active,  you will need to apply for a separate SCT Inst account directly from your desktop Client office that can be accessed via this link<br \/>\n                  <a href=\"https:\/\/my.satchel.eu\/#\/login\">https:\/\/my.satchel.eu\/#\/login<\/a>.<\/p>\n<p>Please make sure that the recipient\u2019s bank \/ EMI supports SCT Inst transfers. Otherwise, the transaction will be declined.<\/p>\n<p>If you still do not have an account at Satchel, you can submit your application for a <a\n                    href=\"https:\/\/satchel.eu\/business\/\">corporate<\/a>, <a href=\"https:\/\/satchel.eu\/merchant-account\/\">merchant<\/a>, <a href=\"https:\/\/satchel.eu\/freelancer\/\">freelancer<\/a> or <a href=\"https:\/\/satchel.eu\/personal\/\">personal<\/a> account online. If you have any further inquiries, please contact us at support@satchel.eu or by calling +370 5214 1818.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">What are the limits on SEPA Instant payments?<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Corporate clients can make payments of up to EUR 15,000 per transaction, while private clients have a limit of EUR 5,000. If the payment amount exceeds the limits specified above, the transaction will be not executed instantly and can be rejected. We advise you to familiarize yourself with our <a href=\"https:\/\/satchel.eu\/fees\/\">tariffs<\/a> before initiating payments.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">Can I send a transfer to an account that doesn\u2019t support SEPA Instant?<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Unfortunately, it is not possible to make a SEPA Instant transfer to a bank  account that does not support the SEPA Instant scheme. Both the sender&#8217;s and recipient&#8217;s banks \/ EMIs must support SCT Inst in order for the transaction to be successful. If the recipient&#8217;s bank does not support the SCT Inst option, we recommend using a regular SEPA transfer instead.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">EUR currency account<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>So, what are the privileges of having a Euro current account? Because current<br \/>\n                  accounts in Euro allow you to transact without inquiring extra commissions and<br \/>\n                  extensive waiting times.<\/p>\n<p>You are free to open a Euro account anywhere beyond the Eurozone; the conditions will be quite similar as those relevant for the local currency in that jurisdiction. Most banks \/ EMIs also offer very competitive fees for the conversion of local currency into euros.<\/p>\n<p>No matter what EU country we are speaking about, having a private or business<br \/>\n                  account in Euro has become an essential requirement for hassle-free international<br \/>\n                  travels and smooth cross-border trade.<\/p>\n<p>Although currency exchange is very simplified within Europe, it is best to open a<br \/>\n                  Euro current account in countries that use Euro as national currency.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">SEPA Direct Debit vs SEPA Credit Transfer (CT)<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Even though the two may sound quite similar, SEPA CT and Direct Debit are two<br \/>\n                  different ways to send money and come with different requirements. Both support<br \/>\n                  transactions in Euro, but the mechanism is distinct for each.<\/p>\n<p>SEPA Credit Transfer is a simple money transfer, which only requires the recipient\u2019s<br \/>\n                  IBAN. It is most frequently used to make single payments for services or goods<br \/>\n                  within the SEPA network. For instance, if a person living in Italy purchases an item<br \/>\n                  from a supplier in the Netherlands, he can use SEPA Credit Transfer as a payment<br \/>\n                  method. In most cases, the beneficiary receives the payment in one business day after<br \/>\n                  the transaction is executed.<\/p>\n<p>Alternatively, SEPA Direct Debit is managed by the customer\u2019s bank, credit union or<br \/>\n                  another money institution, on his behalf. This process works under the conditions of<br \/>\n                  signed authorization.<\/p>\n<p>Having a much simpler option like the SEPA Credit Transfer on the other side, this<br \/>\n                  may sound too complicated, however, sending a Direct Debit payment doesn\u2019t require<br \/>\n                  immediate personal approval of every transaction by the customer.<\/p>\n<p>Most of the Direct Debit transfers are recurring payments of a certain amount that are<br \/>\n                  executed every month, or another set timeframe; they can also take the form of<br \/>\n                  conditional cashless payments, like sending a particular amount to the beneficiary<br \/>\n                  after the account balance hits an indicated threshold. Direct Debit is widely used to<br \/>\n                  subscribe for services, pay debts or rent. Businesses heavily rely on this option, as<br \/>\n                  lengthy contracts may include several predefined payments.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">What is an IBAN and a BIC?<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>Within the SEPA system, all transactions require the sender\u2019s and beneficiary\u2019s IBAN,<br \/>\n                  or International Bank Account Number, which is a unique code that serves as an<br \/>\n                  address from and to which the payment is sent. An IBAN contains the bank identifier, the country code, and the account number in the bank \/ EMI, which makes it sufficient to execute most payments, especially Instant Credit Transfers.<\/p>\n<p>An IBAN contains the bank chain number or code, a two-digit country code, a<br \/>\n                  checksum to ensure its integrity, and the account number in the financial institution<br \/>\n                  itself. A regular IBAN looks like this:<\/p>\n<p>DE89 3704 0044 0532 0130 00<\/p>\n<p>Here, DE \u2014 is the code for Germany, 89 is the control number, calculated using all other digits, 3704 0044 is the code of the bank, as well as of the bank office the account was opened at, and 0532 0130 00 is the account number. Such a precise coding system minimizes the possibility of errors and ensures that every transaction reaches its recipient.<\/p>\n<p>It is worth mentioning, that in different countries IBANs may contain extra letters<br \/>\n                  together with digits; however, the length and overall appearance is generally identical.<\/p>\n<p>Business Identifier Code, or BIC, is a unique short code that serves for the<br \/>\n                  identification of banks, their branches, credit unions, and other money institutions. For SEPA CT within the Eurozone, these are usually not needed, but sometimes a bank \/ EMI may require this information to issue Direct Debit payments.<\/p>\n<p>A BIC contains four digits that stand for the bank code, a two-digit country code, and two to five digits (letters or numbers) that indicate the exact office of the financial institution. Here\u2019s an<br \/>\n                  example:<\/p>\n<p>STUALT21XXX<\/p>\n<p>Here, STUA is the designated code for Satchel, LT is the country code of Lithuania, and 21XXX is the company\u2019s designation for the central office in Vilnius.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">SEPA vs SWIFT<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>SWIFT is another cross-border wire transfer network, which is accessible from pretty<br \/>\n                  much anywhere. Currently, over 10,000 banking institutions in 210 states are<br \/>\n                  connected to SWIFT. Its rules are practically identical to those of SEPA; however,<br \/>\n                  SWIFT transactions are executed in pretty much any currency. Businesses located in<br \/>\n                  Europe use SWIFT for their financial operations, but there are several key differences<br \/>\n                  that make SEPA much more convenient for Euro payments.<\/p>\n<p>Unlike SEPA, SWIFT is not free. Any financial institution is allowed to set and charge commissions for both incoming and outgoing transactions. Not all of them are directly connected to SWIFT, 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!<\/p>\n<p>Another difference is transaction speed. While SEPA instant credit transfers only need ten seconds to be executed, some SWIFT transactions may take up to a few working days.<\/p>\n<p>SWIFT supports any currency, and this is both an advantage and a drawback. Let\u2019s<br \/>\n                  say, the recipient and sender operate in two different currencies. In this case, the funds<br \/>\n                  will be converted automatically using exchange rates that are not beneficial to the<br \/>\n                  parties, along with institutional commissions.<\/p>\n<p>SWIFT is a fundamental worldwide payment instrument that is, however, slowly<br \/>\n                  giving up to SEPA transfers, as more and more businesses outside of Europe are<br \/>\n                  opening Euro current accounts to operate within the system.<\/p>\n<p>It is worth mentioning that since these two methods are different, SWIFT transfer<br \/>\n                  cannot be received on a SEPA account, and vice versa.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<div class=\"faq-item\" itemscope itemprop=\"mainEntity\" itemtype=\"http:\/\/schema.org\/Question\">\n<div class=\"faq-item__title h4 mb-10\" itemprop=\"name\">Conclusion<\/div>\n<div class=\"faq-item__text\" itemscope itemprop=\"acceptedAnswer\" itemtype=\"http:\/\/schema.org\/Answer\">\n<div itemprop=\"text\">\n<p>As suggested by this guide, SEPA has various advantages, which makes it one of the<br \/>\n                  most popular money transfer methods in Europe. Both individuals and businesses<br \/>\n                  continue to increasingly integrate SEPA transfers into their daily operation.\n                <\/p>\n<p class=\"mb-0\">At Satchel we are ready to become your trusted partner and guide in the world of fast<br \/>\n                  and cost-efficient Euro transfers. Apply for a European current account today, without<br \/>\n                  leaving your home or office, and enjoy all the benefits of SEPA payments!<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>            <a class=\"btn btn-link faq-item__link faq-item__link--expand\" href=\"#\">Expand<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><a class=\"btn btn-link faq-item__link faq-item__link--close\" href=\"#\">Close<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <path fill=\"#4854FF\" class=\"path\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-244 -1161) translate(192 656) translate(0 504) rotate(-90 34.5 -17.5)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a>\n          <\/div>\n<\/p><\/div>\n<div class=\"col-lg-4 offset-lg-1\">\n<div class=\"other-topics\">\n<div class=\"other-topics__title h4 mb-15\">Other topics<\/div>\n<ul>\n<li><a class=\"btn btn-link\" href=\"https:\/\/satchel.eu\/pl\/faq\/general-information\/\">General Information<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><\/li>\n<li><a class=\"btn btn-link\" href=\"https:\/\/satchel.eu\/pl\/faq\/satchel-current-account\/\">Satchel current account<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><\/li>\n<li><a class=\"btn btn-link\" href=\"https:\/\/satchel.eu\/pl\/faq\/login-and-password\/\">Login and Password<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><\/li>\n<li><a class=\"btn btn-link\" href=\"https:\/\/satchel.eu\/pl\/faq\/payments-and-transactions\/\">Payments and transactions<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><\/li>\n<li><a class=\"btn btn-link\" href=\"https:\/\/satchel.eu\/pl\/faq\/satchel-cards\/\">Satchel cards<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\"> <g fill=\"none\" fill-rule=\"evenodd\"> <g> <g> <g> <g> <path d=\"M0 0H16V16H0z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <path class=\"path\" fill=\"#4854FF\" d=\"M14.96 8.19c.05-.12.05-.26 0-.38-.03-.06-.06-.12-.11-.16l-4-4c-.2-.2-.51-.2-.71 0-.2.2-.2.51 0 .71l3.15 3.15H1.5C1.22 7.5 1 7.72 1 8s.22.5.5.5h11.79l-3.15 3.15c-.2.2-.2.51 0 .71.1.1.23.15.35.15.12 0 .26-.05.35-.15l4-4c.06-.05.1-.11.12-.17z\" transform=\"translate(-313 -1628) translate(271 1615) translate(.018 12) translate(42 1)\"\/> <\/g> <\/g> <\/g> <\/g> <\/g><\/svg><\/a><\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"row mt-95\">\n<div class=\"col-lg-12 mx-auto\">\n<div class=\"question-box\">\n<div class=\"mb-md-0 mb-20\">\n<div class=\"question-box__title h4 mb-10\">Didn\u2019t find your question?<\/div>\n<div class=\"question-box__text h6 mb-0\">Contact our Support Team via e-mail or call<\/div>\n<\/p><\/div>\n<div class=\"d-flex flex-sm-row flex-column align-items-start\">\n              <a class=\"btn btn-primary mr-sm-15 mb-sm-0 mb-20 js-customer-support-phone-faq\" href=\"tel:+37052141818\">+370 5214 1818<\/a><br \/>\n              <a class=\"btn btn-primary js-customer-support-email-faq\" href=\"mailto:support@satchel.eu\">support@satchel.eu<\/a>\n            <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Back SEPA: The Ultimate Guide Here you will find all the necessary information for making transactions via SEPA, one of the largest global payment systems. Introduction Since 2017, SEPA Instant Credit Transfers (SCT Inst) have been available across financial institutions in eight Eurozone countries. Currently, SEPA Instant payments are executed in all the Eurozone states&#8230;<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":99,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"faq-templates\/faq-sepa-the-ultimate-guide.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2068","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SEPA: Przewodnik | Satchel.eu - Twoje rozwi\u0105zanie finansowe<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, jak \u0142atwo przesy\u0142a\u0107 i odbiera\u0107 \u015brodki od bliskich i partner\u00f3w biznesowych za pomoc\u0105 popularnych w Europie p\u0142atno\u015bci SEPA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SEPA: Przewodnik | Satchel.eu - Twoje rozwi\u0105zanie finansowe\" \/>\n<meta property=\"og:description\" content=\"Dowiedz si\u0119, jak \u0142atwo przesy\u0142a\u0107 i odbiera\u0107 \u015brodki od bliskich i partner\u00f3w biznesowych za pomoc\u0105 popularnych w Europie p\u0142atno\u015bci SEPA.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/\" \/>\n<meta property=\"og:site_name\" content=\"Satchel\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-29T13:41:26+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data1\" content=\"13 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/\",\"url\":\"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/\",\"name\":\"SEPA: Przewodnik | Satchel.eu - Twoje rozwi\u0105zanie finansowe\",\"isPartOf\":{\"@id\":\"https:\/\/satchel.eu\/pl\/#website\"},\"datePublished\":\"2021-04-30T12:47:49+00:00\",\"dateModified\":\"2025-12-29T13:41:26+00:00\",\"description\":\"Dowiedz si\u0119, jak \u0142atwo przesy\u0142a\u0107 i odbiera\u0107 \u015brodki od bliskich i partner\u00f3w biznesowych za pomoc\u0105 popularnych w Europie p\u0142atno\u015bci SEPA.\",\"breadcrumb\":{\"@id\":\"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/#breadcrumb\"},\"inLanguage\":\"pl-PL\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Satchel\",\"item\":\"https:\/\/satchel.eu\/pl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FAQ\",\"item\":\"https:\/\/satchel.eu\/pl\/faq\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"SEPA: Kompletny przewodnik\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/satchel.eu\/pl\/#website\",\"url\":\"https:\/\/satchel.eu\/pl\/\",\"name\":\"Satchel\",\"description\":\"Your money management solution\",\"publisher\":{\"@id\":\"https:\/\/satchel.eu\/pl\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/satchel.eu\/pl\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"pl-PL\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/satchel.eu\/pl\/#organization\",\"name\":\"Satchel\",\"url\":\"https:\/\/satchel.eu\/pl\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pl-PL\",\"@id\":\"https:\/\/satchel.eu\/pl\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/satchel.eu\/pl\/wp-content\/uploads\/sites\/6\/2021\/05\/logo-black.jpg\",\"contentUrl\":\"https:\/\/satchel.eu\/pl\/wp-content\/uploads\/sites\/6\/2021\/05\/logo-black.jpg\",\"width\":135,\"height\":32,\"caption\":\"Satchel\"},\"image\":{\"@id\":\"https:\/\/satchel.eu\/pl\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"SEPA: Przewodnik | Satchel.eu - Twoje rozwi\u0105zanie finansowe","description":"Dowiedz si\u0119, jak \u0142atwo przesy\u0142a\u0107 i odbiera\u0107 \u015brodki od bliskich i partner\u00f3w biznesowych za pomoc\u0105 popularnych w Europie p\u0142atno\u015bci SEPA.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/","og_locale":"pl_PL","og_type":"article","og_title":"SEPA: Przewodnik | Satchel.eu - Twoje rozwi\u0105zanie finansowe","og_description":"Dowiedz si\u0119, jak \u0142atwo przesy\u0142a\u0107 i odbiera\u0107 \u015brodki od bliskich i partner\u00f3w biznesowych za pomoc\u0105 popularnych w Europie p\u0142atno\u015bci SEPA.","og_url":"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/","og_site_name":"Satchel","article_modified_time":"2025-12-29T13:41:26+00:00","twitter_card":"summary_large_image","twitter_misc":{"Szacowany czas czytania":"13 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/","url":"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/","name":"SEPA: Przewodnik | Satchel.eu - Twoje rozwi\u0105zanie finansowe","isPartOf":{"@id":"https:\/\/satchel.eu\/pl\/#website"},"datePublished":"2021-04-30T12:47:49+00:00","dateModified":"2025-12-29T13:41:26+00:00","description":"Dowiedz si\u0119, jak \u0142atwo przesy\u0142a\u0107 i odbiera\u0107 \u015brodki od bliskich i partner\u00f3w biznesowych za pomoc\u0105 popularnych w Europie p\u0142atno\u015bci SEPA.","breadcrumb":{"@id":"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/#breadcrumb"},"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/satchel.eu\/pl\/faq\/sepa-the-ultimate-guide\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Satchel","item":"https:\/\/satchel.eu\/pl\/"},{"@type":"ListItem","position":2,"name":"FAQ","item":"https:\/\/satchel.eu\/pl\/faq\/"},{"@type":"ListItem","position":3,"name":"SEPA: Kompletny przewodnik"}]},{"@type":"WebSite","@id":"https:\/\/satchel.eu\/pl\/#website","url":"https:\/\/satchel.eu\/pl\/","name":"Satchel","description":"Your money management solution","publisher":{"@id":"https:\/\/satchel.eu\/pl\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/satchel.eu\/pl\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"pl-PL"},{"@type":"Organization","@id":"https:\/\/satchel.eu\/pl\/#organization","name":"Satchel","url":"https:\/\/satchel.eu\/pl\/","logo":{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/satchel.eu\/pl\/#\/schema\/logo\/image\/","url":"https:\/\/satchel.eu\/pl\/wp-content\/uploads\/sites\/6\/2021\/05\/logo-black.jpg","contentUrl":"https:\/\/satchel.eu\/pl\/wp-content\/uploads\/sites\/6\/2021\/05\/logo-black.jpg","width":135,"height":32,"caption":"Satchel"},"image":{"@id":"https:\/\/satchel.eu\/pl\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/pages\/2068","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/comments?post=2068"}],"version-history":[{"count":11,"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/pages\/2068\/revisions"}],"predecessor-version":[{"id":6458,"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/pages\/2068\/revisions\/6458"}],"up":[{"embeddable":true,"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/pages\/99"}],"wp:attachment":[{"href":"https:\/\/satchel.eu\/pl\/wp-json\/wp\/v2\/media?parent=2068"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}