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 Faster payments. Better business.



Available in30+countriesView the full list

Supplier invoices can be paid immediately



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 account

FINCI 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).