SEPA instant payments in seconds
With SEPA Instant you can securely and instantly send and receive euros across
36 European countries – all from your FINCI account.
Everything you need for your global business needs With FINCI real-time SEPA Instant service you can pay suppliers and employees on time, every time.
FINCI: Instant, Low-Cost Payments Across Europe
At FINCI, we provide businesses in Europe with direct access to SEPA Instant, enabling fast, low-cost payments across borders. With remote teams and partners in multiple countries, our direct connection ensures transactions reach employees and vendors in seconds—24/7, with minimal fees.
Seamless Payments, Stronger Business
SEPA Instant isn’t just about speed—it’s about giving businesses greater financial control and flexibility. With a maximum transaction limit of €25,000 at FINCI, you can quickly pay employees, settle supplier invoices, and manage unexpected expenses without delays.
Which countries are a part of SEPA?
- Andorra
- Austria
- Belgium
- Cyprus
- Estonia
-
Finland
Including Aland Islands
-
France
Including French Guiana, Guadeloupe, Martinique, Mayotte, Saint Barthélemy, Saint Martin (French part), Réunion and Saint Pierre and Miquelon
- Germany
- Greece
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
-
Monaco
Monaco and San Marino have bilateral agreements with the EU to use the euro as their official currency
- Netherlands
-
Portugal
Including Azores and Madeira
-
San Marino
Monaco and San Marino have bilateral agreements with the EU to use the euro as their official currency
- Slovakia
- Slovenia
-
Spain
Including Canary Islands and Ceuta en Melilla
- Vatican City State
- Bulgaria
- Croatia
- Czech Republic
- Denmark
- Hungary
- Iceland
- Liechtenstein
- Norway
- Poland
- Romania
- Sweden
- Switzerland
-
United Kingdom
Including Gibraltar
- Guernsey
Transfer up to €25,000 to
36 European countries within just 10 seconds.
Faster funds
SEPA Instant payments will become available in the beneficiary’s account faster than the time it took you to read this sentence.
Everyday needs
Not only is SEPA fast, you can make payments up to €25,000 at time. Which is useful for those everyday personal and business transactions.
Europe-wide
Send payments throughout Europe, 24-hours a day, 7-days a week – as easily and securely as a domestic payment.
SEPA payments
are quick and safe.
Standard SEPA transfers are processed within two business days. But at FINCI, we make real-time a reality for our customers. So if you live, work, or run a business in Europe, SEPA Instant lets you make secure payments in seconds, not hours or days.
Open an accountFINCI offers you payment flexibility.
Your business is unique. And trade doesn't stop at the edges of Europe. So we don’t limit you to SEPA/ SEPA Instant only. As you gain new suppliers, employees and customers around the world, we offer a range of payment networks to best fit your specific operational needs.
F.A.Q. Common Questions
What is SEPA Instant?
Are all banks connected to SEPA Instant?
What does “SEPA” mean?
What’s the maximum amount I can send via SEPA Instant?
What’s the difference between SEPA and SEPA instant?
Can I open a FINCI account in my country?
Can I open a FINCI Personal account if I live outside the Eurozone?
Can I open a FINCI Business account if I live outside the Eurozone?
More FINCI business services
Multi-currency business account.
Easily trade with the world with a multi-currency business account. Transact in GBP, PLN, USD and EUR from one dashboard to avoid painful conversion fees, improve cash flow and make global trade more efficient.
Learn more
FINCI debit cards.
We offer a range of Mastercard-powered physical and digital debit cards when you open any FINCI account. Quickly connect to Apple and Google Pay for fast and secure payments. And easily manage your cards from within the Android or iOS app.
Learn more
Android and iOS mobile app.
With the FINCI mobile app available to Android and iOS users you can quickly manage your money and get on with your day. Send money to friends, pay bills, track spending, and freeze cards all with a few taps.
Learn more
Escrow account protection.
Open a temporary escrow account to securely and efficiently complete one-off high-value transactions – it’s the smart way to reduce risk and protect both parties. Open an escrow account online in less than 24 hours with our express service.
Learn more
SWIFT global payments.
Securely send payments anywhere on the planet with SWIFT. You’ll enjoy reliable, transparent and traceable payments in a network that covers 11,000 member institutions in over 200 regions. It’s the payment network the world relies on.
Learn more
Helpful human service.
With FINCI you can expect fast and effective human support, not just chatbots and help centres. You’ll get all the benefits of modern payments technology but also the personalised service usually found in private banking.
Learn more
Get instant B2B Global Pay-outs to MXN, INR, GBP
Data travels at the speed of light, so why don't your payments? By using blockchain technology for cross-border payments, you can now make secure, instant payments from EURO to MXN, INR and GBP (with more markets opening every month).
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