{"id":48148,"date":"2025-03-05T08:04:33","date_gmt":"2025-03-05T08:04:33","guid":{"rendered":"https:\/\/www.worldfirst.com\/uk\/?p=48148"},"modified":"2025-03-05T08:06:31","modified_gmt":"2025-03-05T08:06:31","slug":"sepa-payments-explained","status":"publish","type":"post","link":"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/sepa-payments-explained\/","title":{"rendered":"SEPA banks and SEPA bank transfers: all you need to know"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"48148\" class=\"elementor elementor-48148\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3efb49ac e-flex e-con-boxed e-con e-parent\" data-id=\"3efb49ac\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-647b46a8 elementor-widget elementor-widget-text-editor\" data-id=\"647b46a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><a href=\"https:\/\/www.worldfirst.com\/uk\/\">Home<\/a>\u00a0 &gt;\u00a0\u00a0 <a href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/\">Blogs<\/a>\u00a0 &gt;\u00a0 <a href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/\">Business Tips<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a2113c7 e-flex e-con-boxed e-con e-parent\" data-id=\"1a2113c7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8574144 elementor-widget elementor-widget-heading\" data-id=\"8574144\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">SEPA banks and SEPA bank transfers: all you need to know<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70d99c6d elementor-widget elementor-widget-text-editor\" data-id=\"70d99c6d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>SEPA banks are banks that operate within the Single Euro Payments Area (SEPA). Read on to find out more about how SEPA bank transfers work, which countries are part of SEPA and more.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3168521f e-flex e-con-boxed e-con e-parent\" data-id=\"3168521f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53f6aa83 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"53f6aa83\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"473\" src=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2025\/03\/251419948.jpg\" class=\"attachment-large size-large wp-image-48149\" alt=\"\" srcset=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2025\/03\/251419948.jpg 900w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2025\/03\/251419948-300x177.jpg 300w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2025\/03\/251419948-768x454.jpg 768w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2025\/03\/251419948-360x213.jpg 360w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40cc9079 e-flex e-con-boxed e-con e-parent\" data-id=\"40cc9079\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74bf1b98 elementor-widget elementor-widget-text-editor\" data-id=\"74bf1b98\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The SEPA scheme was set up by the European Union in conjunction with the European Payments Council to simplify making international payments in euros. The SEPA banking rules agreed to by EU member states and other European countries ensure that all cross-border electronic payments in euros have the same fixed fee across SEPA countries. This initiative by the European Payments Council has helped unify European banking and create consistent costs for national and cross-border payments in euros, even between non-eurozone countries.\u00a0<a href=\"https:\/\/ec.europa.eu\/info\/business-economy-euro\/banking-and-finance\/consumer-finance-and-payments\/payment-services\/single-euro-payments-area-sepa_en\" target=\"_blank\" rel=\"noopener\">Find out more about the Single Euro Payments Area including a list of SEPA countries<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55418afc elementor-widget elementor-widget-heading\" data-id=\"55418afc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a SEPA bank account?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a767db elementor-widget elementor-widget-text-editor\" data-id=\"7a767db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A SEPA bank account can be a traditional bank account or an online-only bank account. You can use it for the transfer of funds by SEPA Direct Debit or to make a SEPA instant payment.\u00a0<\/p><p>You don\u2019t necessarily need a specific &#8220;SEPA bank account&#8221; because\u00a0<a href=\"https:\/\/www.worldfirst.com\/uk\/support\/payments-transfers\/sepa-payments\/\">SEPA payments<\/a>\u00a0and SEPA credit transfers are usually a standard payment service offered by high street banks within the SEPA zone. This is because SEPA banking rules require that electronic international payments in euros are the same as national payments from any type of bank account.<\/p><p>That said, if you\u2019re opening an online-only bank account, it\u2019s worth double checking that it covers SEPA payments and SEPA credit transfers or is labelled as a SEPA bank account. This is to avoid accidentally opening an online account with payment service providers or financial institutions that aren\u2019t based in one of the SEPA countries.<\/p><p>If you have a UK business bank account, or are thinking of opening one, then this will fall within the SEPA banking rules too. So like with a personal account, you don\u2019t need a specific SEPA business bank account to make SEPA payments, SEPA credit transfers or set up SEPA Direct Debits. SEPA compliant banks will automatically charge the same fees for domestic payments and international payments in euros between businesses.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c58b8e8 elementor-widget elementor-widget-heading\" data-id=\"c58b8e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who can get a SEPA bank account?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2665790e elementor-widget elementor-widget-text-editor\" data-id=\"2665790e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Not all European banks are SEPA members \u2013 there is a list of direct members, some may have indirect membership, some won\u2019t have any at all. If you live in a country in the SEPA zone and your bank is a SEPA member, then your bank account is automatically a SEPA bank account in that all electronic payments in euros will fall under the SEPA scheme.<\/p><p>If you\u2019re not a resident of a SEPA country, then you might still be able to open a UK SEPA bank account.<\/p><p>If you\u2019re looking to open a bank account to make SEPA payments, it\u2019s worth noting that a SEPA money transfer from a bank is often slower and more expensive than using a foreign exchange specialist like\u00a0<a href=\"https:\/\/www.worldfirst.com\/uk\/international-payments\/\">WorldFirst<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a2bcd2 elementor-widget elementor-widget-heading\" data-id=\"9a2bcd2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SEPA bank transfers<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2c2aa7 elementor-widget elementor-widget-text-editor\" data-id=\"f2c2aa7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>SEPA bank transfers are a way to make cross-border payments in euros between banks that accept SEPA payments.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c52c319 e-flex e-con-boxed e-con e-parent\" data-id=\"3c52c319\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f51983b elementor-widget elementor-widget-template\" data-id=\"4f51983b\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"45097\" class=\"elementor elementor-45097\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c252ce e-con-full e-flex e-con e-parent\" data-id=\"c252ce\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3d0dfaa8 e-flex e-con-boxed e-con e-child\" data-id=\"3d0dfaa8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c260cf4 elementor-widget elementor-widget-heading\" data-id=\"c260cf4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Open a World Account for free<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cfe13b9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4cfe13b9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Open 20+ local currency accounts and get paid like a local<\/li><li>Pay suppliers, partners and staff worldwide in 100+ currencies<\/li><li>Collect payments for free from 130+ marketplaces and payment gateways, including Amazon, Etsy, PayPal and Shopify<\/li><li>Save with competitive exchange rates on currency conversions and transfers<\/li><li>Lock in exchange rates for up to 24 months for cash flow certainty<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bf1e215 elementor-widget elementor-widget-button\" data-id=\"4bf1e215\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/portal.worldfirst.com\/register?region=GB&#038;lang=en-GB\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3630a357 e-flex e-con-boxed e-con e-parent\" data-id=\"3630a357\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73a7bc42 elementor-widget elementor-widget-spacer\" data-id=\"73a7bc42\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 15-07-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19e2d63 elementor-widget elementor-widget-heading\" data-id=\"19e2d63\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SEPA credit transfer vs SEPA direct debit<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1164e6b4 elementor-widget elementor-widget-text-editor\" data-id=\"1164e6b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Whether you need to set up a SEPA credit transfer or a SEPA direct debit depends on if you\u2019re making a one-off purchase or a regular payment.<\/p><p>A SEPA credit transfer is a single transfer of euros from one person or organisation to another. For example, this could be to settle an invoice. A SEPA direct debit is a recurring payment, for example to pay monthly rent on an office space or for a service like a business mobile phone contract.<\/p><p>As a SEPA direct debit involves regularly withdrawing euros from your account to credit another account, you need to give explicit consent for this arrangement. You have to give signed authorisation (called a mandate \u2013 usually supplied by the payee) for this payment scheme and the payee has to retain this proof of your authorisation in either electronic or paper form.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c54a27 elementor-widget elementor-widget-heading\" data-id=\"2c54a27\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to make a SEPA bank transfer<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f027179 elementor-widget elementor-widget-text-editor\" data-id=\"4f027179\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You can make a SEPA bank transfer in a bank branch or by using online banking. Alternatively, you can send a SEPA credit transfer through payment service providers, such as a foreign exchange specialist like WorldFirst.<\/p><p>Most cross-border payments are made using the SWIFT network. Each financial institution has its own unique swift code, so banks and other financial services can make a quick and secure SEPA money transfer through the SWIFT network.\u00a0<a href=\"https:\/\/www.worldfirst.com\/uk\/support\/payments-transfers\/iban-versus-swift-code\/\">Find out more about SWIFT codes<\/a>.<\/p><p>For a SEPA SWIFT transfer you\u2019ll need the:<\/p><ul><li>Name of the person or company you\u2019re paying<\/li><li>International bank account number (<a href=\"https:\/\/www.worldfirst.com\/uk\/support\/payments-transfers\/iban-versus-swift-code\/\">IBAN<\/a>) of the account you want to credit<\/li><li>Country you\u2019re sending the money to<\/li><li>Currency you want to pay in \u2013 euros in this case<\/li><li>Business identifier code (BIC) \u2013 also known as a\u00a0<a href=\"https:\/\/www.worldfirst.com\/uk\/support\/payments-transfers\/iban-versus-swift-code\/\">SWIFT code<\/a><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d8db98 elementor-widget elementor-widget-heading\" data-id=\"7d8db98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How long does a SEPA bank transfer take?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed8164a elementor-widget elementor-widget-text-editor\" data-id=\"ed8164a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>An international bank transfer can take up to 5 business days. As SEPA bank transfers are in euros and between SEPA countries, you\u2019re not dealing with extreme time differences or rare currencies so they may be quicker. However, it still depends on how many intermediary banks are involved in the transfer as this can slow the process.<\/p><p>The SEPA Instant Credit Transfer (SCT Inst) scheme enables payment service providers to inform each other if a payment has been received or not within 10 seconds. However, to make a SEPA instant transfer, both payment institutions need to participate in the scheme.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10026b6 elementor-widget elementor-widget-heading\" data-id=\"10026b6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much does a SEPA transfer cost?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4636026 elementor-widget elementor-widget-text-editor\" data-id=\"4636026\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>As the SEPA system was set up to standardise fees across SEPA countries, SEPA cross-border electronic payments should cost the same as domestic transfers. This means, for example, payments in euros between France and Germany, France and Italy, and France and Spain would incur the same fees, making it simpler to make payments to neighbouring countries.<\/p><p>If you\u2019re making a one-off international payment or setting up regular transfers in euros, it\u2019s worth checking the exact cost with your bank. While cashless euro payments from some banks might be free, if that payment involves first converting pounds to euros there\u2019ll likely be a charge for that currency conversion.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd47ea3 elementor-widget elementor-widget-image\" data-id=\"bd47ea3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"160\" height=\"160\" src=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240327031331810.png\" class=\"attachment-large size-large wp-image-32122\" alt=\"\" srcset=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240327031331810.png 160w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240327031331810-150x150.png 150w\" sizes=\"(max-width: 160px) 100vw, 160px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66d709d4 elementor-widget elementor-widget-heading\" data-id=\"66d709d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">WorldFirst<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-464f36e9 e-flex e-con-boxed e-con e-parent\" data-id=\"464f36e9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-725ac3a e-flex e-con-boxed e-con e-child\" data-id=\"725ac3a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7073b21d Last3Articles elementor-widget elementor-widget-shortcode\" data-id=\"7073b21d\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\"><div class=\"blogs_container\">\n                    <div class=\"blogs_item\">\n            <a href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/sepa-payments-explained\/\" class=\"blog_img_box\">\n                <img decoding=\"async\" src=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2025\/03\/251419948.jpg\"\n                     alt=\"cover_img\" class=\"cover_img\" loading=\"lazy\">\n            <\/a>\n            <div class=\"blog_abstract\">\n                <h1>\n                    <a href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/sepa-payments-explained\/\">SEPA banks and SEPA bank transfers: all you need to know<\/a>\n                <\/h1>\n                <p><\/p>\n                <span>Mar \/ 2025<\/span>\n            <\/div>\n        <\/div>\n                    <div class=\"blogs_item\">\n            <a href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/hedge-accounting-explained\/\" class=\"blog_img_box\">\n                <img decoding=\"async\" src=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2025\/03\/238180949-1.jpg\"\n                     alt=\"cover_img\" class=\"cover_img\" loading=\"lazy\">\n            <\/a>\n            <div class=\"blog_abstract\">\n                <h1>\n                    <a href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/hedge-accounting-explained\/\">What is hedge accounting?<\/a>\n                <\/h1>\n                <p>Hedge accounting is a practice of accountancy that attempts to reduce any volatility created by the repeated adjustment of a financial instrument\u2019s value. Find out how hedge accounting could be important for your business.<\/p>\n                <span>Mar \/ 2025<\/span>\n            <\/div>\n        <\/div>\n                    <div class=\"blogs_item\">\n            <a href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/what-is-a-routing-number\/\" class=\"blog_img_box\">\n                <img decoding=\"async\" src=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2025\/03\/71272910.jpg\"\n                     alt=\"cover_img\" class=\"cover_img\" loading=\"lazy\">\n            <\/a>\n            <div class=\"blog_abstract\">\n                <h1>\n                    <a href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/what-is-a-routing-number\/\">What is an ABA routing number?<\/a>\n                <\/h1>\n                <p>An ABA routing number is a nine-digit code that identifies financial institutions in the USA. Read on to learn how they work and where you can find them.<\/p>\n                <span>Mar \/ 2025<\/span>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd3706a e-grid e-con-boxed e-con e-child\" data-id=\"fd3706a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-122b1c22 e-flex e-con-boxed e-con e-parent\" data-id=\"122b1c22\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-705c3d95 elementor-widget elementor-widget-template\" data-id=\"705c3d95\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"45101\" class=\"elementor elementor-45101\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d900fac e-flex e-con-boxed e-con e-parent\" data-id=\"6d900fac\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-36c1eca9 e-flex e-con-boxed e-con e-parent\" data-id=\"36c1eca9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c238113 elementor-widget elementor-widget-heading\" data-id=\"4c238113\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">You might also like<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7f9ec2 elementor-widget elementor-widget-text-editor\" data-id=\"b7f9ec2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>WorldFirst articles cover strategies to mitigate risk, the latest FX insights, steps towards global expansion and key industry trends. Choose a category, product or service below to find out more.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6457b31 e-grid e-con-boxed e-con e-parent\" data-id=\"6457b31\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27fa6f1 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"27fa6f1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.worldfirst.com\/uk\/for-online-sellers\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Accounts for online sellers<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6712d69 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"6712d69\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.worldfirst.com\/uk\/for-importers\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Accounts for importers<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0d3516 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"e0d3516\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Exploring new markets<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5c09e4 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"a5c09e4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-with-china\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Doing business with China<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cea8463 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"cea8463\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/global-insights\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Global insights<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cacb43 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"6cacb43\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/international-transactions\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">International transactions<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77e016d elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"77e016d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.worldfirst.com\/uk\/marketplaces\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Marketplace partnerships<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10d4375 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"10d4375\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/e-commerce-guides\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">E-commerce guides<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a127843 e-flex e-con-boxed e-con e-parent\" data-id=\"5a127843\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e1ae504 elementor-widget elementor-widget-template\" data-id=\"2e1ae504\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"45104\" class=\"elementor elementor-45104\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cfb4cdd e-flex e-con-boxed e-con e-parent\" data-id=\"2cfb4cdd\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4194f9d elementor-widget elementor-widget-heading\" data-id=\"4194f9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Businesses trust WorldFirst<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5db8d328 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5db8d328\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Almost 1,000,000 businesses have sent USD$300B around the world with WorldFirst and its partner brands since 2004<\/li><li>Your money is safeguarded with leading financial institutions<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-658bb0a0 elementor-widget elementor-widget-image\" data-id=\"658bb0a0\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"271\" src=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240326104849999-1024x347.png\" class=\"attachment-large size-large wp-image-32123\" alt=\"\" srcset=\"https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240326104849999-1024x347.png 1024w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240326104849999-300x102.png 300w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240326104849999-768x260.png 768w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240326104849999-1536x520.png 1536w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240326104849999-360x122.png 360w, https:\/\/cdn.marmot-cloud.com\/worldfirst\/sites\/15\/2024\/05\/20240326104849999.png 1920w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home\u00a0 &gt;\u00a0\u00a0 Blogs\u00a0 &gt;\u00a0 Business Tips SEPA banks and SEPA bank transfers: all you need to know SEPA banks are banks that operate within the Single Euro Payments Area (SEPA). Read on to find out more about how SEPA bank transfers work, which countries are part of SEPA and more. The SEPA scheme was set [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":48149,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[66],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SEPA banks and SEPA bank transfers: all you need to know | WorldFirst UK<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.worldfirst.com\/uk\/blogs\/business-tips\/sepa-payments-explained\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SEPA banks and SEPA bank transfers: all you need to know\" \/>\n<meta property=\"og:description\" content=\"Home\u00a0 &gt;\u00a0\u00a0 Blogs\u00a0 &gt;\u00a0 Business Tips SEPA banks and SEPA bank transfers: all you need to know SEPA banks are banks that operate within the Single Euro Payments Area (SEPA). Read on to find out more about how SEPA bank transfers work, which countries are part of SEPA and more. 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