SEPA · EUR
SEPA
A euro payment to a beneficiary in a SEPA country, sent from European account details in your own company’s name. To the recipient it is an ordinary domestic transfer. Same or next working day.
Send money
Pay suppliers, staff and partners abroad from your business account
199 destinations, 79 payout currencies. Euro payments inside the SEPA area go by SEPA; everything else goes by SWIFT, with the fee and the rate shown before you confirm.
Two routes, chosen by destination and currency
SWIFT · 79 currencies
SWIFT
Every other payment: any currency we cover, to any destination we pay outside the SEPA area. Where we support the local currency, the beneficiary is paid in it; elsewhere, in US dollars or euros. Typically 1 to 3 working days.
How SWIFT payments workEvery destination, A to Z
Grouped by region, with the Middle East and North Africa first. Each page gives the currency, the route, the account details to ask for, bank closing days and fees.
Middle East and North Africa
EgyptEGP, from a balance you holdUnited Arab EmiratesAED, from a balance you holdSaudi ArabiaUSD or EURMoroccoMAD, from a balance you holdAlgeriaDZD, converted when you payOmanOMR, from a balance you holdQatarQAR, from a balance you holdKuwaitKWD, from a balance you holdBahrainBHD, from a balance you holdJordanUSD or EURMauritaniaUSD or EURWestern SaharaMAD, from a balance you hold
Europe and Central Asia
Åland IslandsEUR, from a balance you holdSEPAAndorraEUR, from a balance you holdSEPAAustriaEUR, from a balance you holdSEPABelgiumEUR, from a balance you holdSEPABulgariaEUR, from a balance you holdSEPACroatiaEUR, from a balance you holdSEPACyprusEUR, from a balance you holdSEPACzechiaCZK, from a balance you holdSEPADenmarkDKK, from a balance you holdSEPAEstoniaEUR, from a balance you holdSEPAFaroe IslandsDKK, from a balance you holdFinlandEUR, from a balance you holdSEPAFranceEUR, from a balance you holdSEPAGeorgiaGEL, converted when you payGermanyEUR, from a balance you holdSEPAGibraltarUSD or EURSEPAGreeceEUR, from a balance you holdSEPAGuernseyGBP, from a balance you holdSEPAHungaryHUF, from a balance you holdSEPAIcelandISK, converted when you paySEPAIrelandEUR, from a balance you holdSEPAIsle of ManGBP, from a balance you holdSEPAItalyEUR, from a balance you holdSEPAJerseyGBP, from a balance you holdSEPAKazakhstanKZT, converted when you payKyrgyzstanUSD or EURLatviaEUR, from a balance you holdSEPALiechtensteinCHF, from a balance you holdSEPALithuaniaEUR, from a balance you holdSEPALuxembourgEUR, from a balance you holdSEPAMaltaEUR, from a balance you holdSEPAMonacoEUR, from a balance you holdSEPANetherlandsEUR, from a balance you holdSEPANorwayNOK, from a balance you holdSEPAPolandPLN, from a balance you holdSEPAPortugalEUR, from a balance you holdSEPARomaniaRON, from a balance you holdSEPASan MarinoEUR, from a balance you holdSEPASlovakiaEUR, from a balance you holdSEPASloveniaEUR, from a balance you holdSEPASpainEUR, from a balance you holdSEPASvalbard & Jan MayenNOK, from a balance you holdSwedenSEK, from a balance you holdSEPASwitzerlandCHF, from a balance you holdSEPATajikistanUSD or EURTurkmenistanUSD or EURUkraineUSD or EURUnited KingdomGBP, from a balance you holdSEPAUzbekistanUSD or EURVatican CityEUR, from a balance you holdSEPA
Sub-Saharan Africa
AngolaAOA, converted when you payBeninXOF, converted when you payBotswanaBWP, converted when you payBurkina FasoXOF, converted when you payCameroonXAF, converted when you payCape VerdeCVE, converted when you payChadXAF, converted when you payComorosUSD or EURCongo - BrazzavilleXAF, converted when you payCôte d’IvoireXOF, converted when you payDjiboutiUSD or EUREquatorial GuineaXAF, converted when you payEswatiniUSD or EURGabonXAF, converted when you payGambiaGMD, converted when you payGhanaGHS, from a balance you holdKenyaKES, from a balance you holdLesothoLSL, converted when you payLiberiaUSD or EURMadagascarMGA, converted when you payMalawiMWK, converted when you payMauritiusUSD or EURMayotteEUR, from a balance you holdSEPAMozambiqueMZN, converted when you payNamibiaNAD, converted when you payNigeriaNGN, converted when you payRéunionEUR, from a balance you holdSEPARwandaRWF, converted when you paySão Tomé & PríncipeUSD or EURSenegalXOF, converted when you paySeychellesUSD or EURSierra LeoneSLE, converted when you paySouth AfricaZAR, from a balance you holdSt. HelenaUSD or EURTanzaniaUSD or EURTogoXOF, converted when you payUgandaUGX, from a balance you holdZambiaUSD or EUR
Asia and the Pacific
American SamoaUSD, from a balance you holdAustraliaAUD, from a balance you holdBangladeshBDT, converted when you payBhutanUSD or EURBritish Indian Ocean TerritoryUSD, from a balance you holdBruneiUSD or EURCambodiaUSD or EURChinaUSD or EURChristmas IslandAUD, from a balance you holdCocos (Keeling) IslandsAUD, from a balance you holdCook IslandsNZD, from a balance you holdFijiFJD, converted when you payFrench PolynesiaUSD or EURGuamUSD, from a balance you holdIndiaUSD or EURIndonesiaIDR, converted when you payJapanJPY, from a balance you holdKiribatiAUD, from a balance you holdLaosUSD or EURMalaysiaMYR, converted when you payMaldivesUSD or EURMarshall IslandsUSD, from a balance you holdMicronesiaUSD, from a balance you holdMongoliaUSD or EURNauruAUD, from a balance you holdNepalNPR, converted when you payNew CaledoniaUSD or EURNew ZealandNZD, from a balance you holdNiueNZD, from a balance you holdNorfolk IslandAUD, from a balance you holdNorthern Mariana IslandsUSD, from a balance you holdPakistanUSD or EURPalauUSD, from a balance you holdPapua New GuineaPGK, converted when you payPhilippinesPHP, from a balance you holdSamoaUSD or EURSingaporeSGD, from a balance you holdSolomon IslandsUSD or EURSouth KoreaKRW, converted when you paySri LankaUSD or EURTaiwanTWD, converted when you payThailandTHB, from a balance you holdTimor-LesteUSD, from a balance you holdTokelauNZD, from a balance you holdTongaUSD or EURTuvaluAUD, from a balance you holdVanuatuUSD or EURVietnamVND, converted when you payWallis & FutunaUSD or EUR
The Americas
AnguillaUSD or EURAntigua & BarbudaUSD or EURArgentinaARS, converted when you payArubaUSD or EURBahamasUSD or EURBarbadosUSD or EURBelizeBZD, converted when you payBermudaUSD or EURBoliviaBOB, converted when you payBrazilUSD or EURBritish Virgin IslandsUSD, from a balance you holdCanadaCAD, from a balance you holdCaribbean NetherlandsUSD, from a balance you holdCayman IslandsUSD or EURChileCLP, converted when you payColombiaCOP, converted when you payCosta RicaCRC, converted when you payCuraçaoUSD or EURDominicaUSD or EURDominican RepublicDOP, converted when you payEcuadorUSD, from a balance you holdEl SalvadorUSD, from a balance you holdFalkland IslandsUSD or EURFrench GuianaEUR, from a balance you holdSEPAGreenlandDKK, from a balance you holdGrenadaUSD or EURGuadeloupeEUR, from a balance you holdSEPAGuyanaUSD or EURHondurasHNL, converted when you payJamaicaUSD or EURMartiniqueEUR, from a balance you holdSEPAMexicoMXN, from a balance you holdMontserratUSD or EURPanamaUSD, from a balance you holdParaguayUSD or EURPeruPEN, converted when you payPuerto RicoUSD, from a balance you holdSint MaartenUSD or EURSt. BarthélemyEUR, from a balance you holdSEPASt. Kitts & NevisUSD or EURSt. LuciaUSD or EURSt. MartinEUR, from a balance you holdSEPASt. Pierre & MiquelonEUR, from a balance you holdSEPASt. Vincent & GrenadinesUSD or EURSurinameUSD or EURTrinidad & TobagoUSD or EURTurks & Caicos IslandsUSD, from a balance you holdU.S. Virgin IslandsUSD, from a balance you holdUnited StatesUSD, from a balance you holdUruguayUSD or EUR
Fees
- SEPA payment out
- €0.50
- SWIFT payment out
- 0.25%, min €25.00
- Currency conversion (G10 currencies)
- 0.5%
- Other currencies: the conversion fee is confirmed before you convert.
Figures from the MENA plan. Every fee is shown before you confirm a payment, and banks in a SWIFT chain may deduct charges of their own. All plans and fees →
Questions
- How do I choose between SEPA and SWIFT?
- The destination and the currency decide it. A euro payment to a beneficiary in a SEPA country goes by SEPA from your own EUR account details. Every other payment — euros outside the SEPA area, or any other currency — goes by SWIFT. Each destination page below says which applies.
- Which currencies can I pay in?
- 79 currencies. 35 of them can also be held and converted, so you can keep a balance in them; 44 more are pay-out only, converted from your balance at the moment you pay. Where we don’t pay in the local currency, you pay in US dollars or euros and the recipient’s bank converts.
- How long does a payment take?
- SEPA: same or next working day. SWIFT: typically 1 to 3 working days. Bank weekends and public holidays at the destination add time, and a payment instructed after the daily cut-off starts on the next working day. Timings are typical, not guaranteed.
- Is there anywhere you can’t send money?
- Yes. Some destinations are closed to payments under sanctions, and a few are still being confirmed. They aren’t in the list on this page. Our sanctions policy explains how we screen payments.
- Can I start sending payments today?
- Not yet. Onboarding hasn’t opened. Join the waiting list and we’ll contact you when applications open; access is subject to KYC/KYB review.
Receiving money instead? → · Sanctions policy · Currencies and countries
Paying across borders every month?
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