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.

Faster Payments

Camila

CFO

Available in30+countriesView the full list

Supplier invoices can be paid immediately

Instant Payments

David

Employee

Get your tailored business account

Please fill out this short form and your account manager will start preparing a business account tailored to your needs.

  • 1
  • 2
* required fields
Select your monthly turnover up to*
* required fields

Thank you. Your details were submitted successfully.

A dedicated account manager will review your request and get in touch to discuss next steps. Meanwhile, to kickstart the business onboarding process, ensure that someone authorized to act on behalf of your company opens a personal account using the FINCI app (iOS or Android). Simply follow the on-screen instructions, which only take a couple of minutes.

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Which countries & territories 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.

SEPA Transfers

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 IBAN account

    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

    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
  • FINCI Mobile App

    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
  • FINCI Escrow account

    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 Payments

    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
  • Customer Support

    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).

Instant Global Money Transfer

Get your tailored business account

Please fill out this short form and your account manager will start preparing a business account tailored to your needs.

  • 1
  • 2
* required fields
Select your monthly turnover up to*
* required fields

Thank you. Your details were submitted successfully.

A dedicated account manager will review your request and get in touch to discuss next steps. Meanwhile, to kickstart the business onboarding process, ensure that someone authorized to act on behalf of your company opens a personal account using the FINCI app (iOS or Android). Simply follow the on-screen instructions, which only take a couple of minutes.

Something went wrong. Please try again.

Business account opening in 3 simple steps.

  1. STEP 1

    Create a free personal account via the app.

  2. STEP 2

    Log in to the online bank via desktop

  3. STEP 3

    Proceed with business account opening

Scan QR code
to start

Business account opening in 3 simple steps.

  1. STEP 1

    Create a free personal account via the app.

  2. STEP 2

    Log in to the online bank via desktop

  3. STEP 3

    Proceed with business account opening

Scan QR code
to start

Dear Client, due to the Easter holidays, all money transfers will not be processed from 29.03.2024 until 01.04.2024, except for SEPA Instant transfers. Recipients will receive these transfers on the next working day, April 2nd. Please arrange any necessary payments in advance. Kindly note that our support team will also be unavailable from 30.03.2024 until 01.04.2024. Your FINCI